Looking for cheaper auto insurance rates for your Dodge Caravan? No one likes having to buy auto insurance, especially when the cost is way too high. Drivers have multiple auto insurance companies to purchase coverage from, and even though it’s nice to have a selection, it makes it harder to locate the cheapest rates.
Car insurance companies don’t list all their discounts in a way that’s easy to find, so we break down some of the best known and the more hidden savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
It’s important to note that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.
To see a list of insurance companies with the best insurance discounts, follow this link.
Lowering your 1999 Dodge Caravan car insurance rates is not rocket science. The only requirement is to spend a few minutes comparing rates online from several insurance companies. This can be done using a couple different methods.
For a handy list of car insurance company links in your area, click here.
It’s your choice how you get your quotes, but make absolute certain that you use identical deductibles and coverage limits on every quote. If you are comparing higher or lower deductibles it will be impossible to determine the best price for your Dodge Caravan.
When it comes to choosing coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. These are some specific questions might point out whether your personal situation might need an agent’s assistance.
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Understanding the coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.
This will pay to fix damage to your Caravan from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a building, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.
This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Comprehensive or Other Than Collision
This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as a broken windshield, a tree branch falling on your vehicle and falling objects. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability insurance will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability coverage protects against claims like attorney fees, pain and suffering, bail bonds, repair costs for stationary objects and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Medical costs insurance
Med pay and PIP coverage kick in for bills such as X-ray expenses, pain medications, funeral costs, surgery and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where someone dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.
We covered many tips how you can save on 1999 Dodge Caravan insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even find the most savings is with some of the lesser-known companies. These companies can often provide lower rates in certain areas compared to the large companies like GEICO and State Farm.
Additional auto insurance information is located at these links: