Compare 2002 Dodge Grand Caravan Insurance Rates

Are you confused by the sheer number of auto insurance options? You’re not alone. People have so many choices that it can turn into a real hassle to find the best price.

Free Quotes for Auto Insurance

There are a lot of ways to compare auto insurance quotes, but some are less time-consuming than others. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use the internet to get pricing more quickly.

Many popular insurance companies take part in a program where prospective buyers submit their information once, and each company then returns a price quote based on that data. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To compare 2002 Dodge Grand Caravan rates using this form now click here (opens in new window).

The one downside to using this type of system is you are unable to specify which insurance companies you want to price. So if you prefer to pick specific insurance companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click here to view list.

Whichever method you choose, make darn sure you compare exactly the same coverages and limits for every company. If you compare different deductibles you can’t possibly determine the lowest rate for your Dodge Grand Caravan. Having just a slight variation in limits can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Discounts mean cheaper 2002 Dodge Grand Caravan insurance rates

Car insurance is not cheap, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but less common discounts must be asked for prior to getting the savings.

  • Military Rewards – Having a deployed family member can result in better rates.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Low Mileage – Keeping the miles down on your Dodge could qualify for lower rates on the low mileage vehicles.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • 55 and Retired – Older drivers may be able to get better auto insurance rates on Grand Caravan insurance.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when buying auto insurance on Grand Caravan insurance.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up over the internet.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.

A partial list of companies who might offer these money-saving discounts are:

Check with every prospective company how you can save money. Some discounts may not be available in your state.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions can help discover if you will benefit from professional help.

  • Can I afford to pay high deductible claims out of pocket?
  • What is UM/UIM insurance?
  • What is high-risk coverage and where do I buy it?
  • Do all my vehicles need collision coverage?
  • Is my state a no-fault state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I remove comp and collision on my 2002 Dodge Grand Caravan?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage considerations

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like bail bonds, attorney fees, medical expenses, funeral expenses and medical services. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane, fire damage, theft and falling objects. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage will pay to fix damage to your Grand Caravan caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like dental work, funeral costs, EMT expenses, ambulance fees and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Make a quick buck

People switch companies for a variety of reasons including policy cancellation, high rates after DUI convictions, poor customer service and an unsatisfactory settlement offer. Whatever your reason, switching car insurance companies is actually quite simple.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.

You just learned many ways to shop for 2002 Dodge Grand Caravan insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a small mutual company.

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