Cheap 1992 Dodge Caravan Car Insurance Quotes

Finding the lowest price for insurance can be a challenge if you’ve never compared online quotes. Don’t let that stop you because there is an easy way to compare rates.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. This information will teach you how to effectively get price quotes and some tricks to saving. Although vehicle owners do need to know the way insurance companies sell insurance online.

Fast and Easy Car Insurance Quotes

When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The recommended way to find competitive 1992 Dodge Caravan insurance rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate forms to each individual car insurance company. One form submission will return price quotes from multiple companies. Recommended for those who want to invest the least amount of time.

Another way to analyze rates is going to each company website and fill out their own quote form. For examples sake, we’ll pretend you want to compare USAA, Geico and Farmers. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but compare apples-to-apples quote information for each price quote. If each company quotes different deductibles you will not be able to determine the best price for your Dodge Caravan. Having just a slight variation in insurance coverages may result in a large different in cost. And when comparing car insurance rates, know that getting more free quotes helps you find better pricing.

Don’t pay full price with these discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but some must be asked about prior to receiving the credit.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Clubs and Organizations – Affiliation with a professional or civic organization is a good way to get lower rates on insurance coverage on Caravan insurance.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • No Charge for an Accident – A few companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free insurance coverage policy, it doesn’t quite work that way. Any qualifying discounts will cut your premiums.

Companies who might offer these money-saving discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Discounts might not apply in your area.

Your personal situation dictates your coverage

When it comes to choosing coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions may help highlight if you might need professional guidance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Does my personal policy cover me when driving out-of-state?
  • Should I buy full coverage?
  • What is roadside assistance coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving a rental car?
  • Where can I find DUI or SR-22 insurance?
  • Is a fancy paint job covered?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Insurance coverage basics

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices and pain medications. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, bail bonds, attorney fees and medical services. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Caravan.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Take this to the bank

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your strategy should be to get the best coverage possible at an affordable rate.

Consumers leave their current company for many reasons like delays in paying claims, policy cancellation, policy non-renewal or extreme rates for teen drivers. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

We just showed you a lot of ways to lower your 1992 Dodge Caravan insurance rates. It’s most important to understand that the more you quote, the higher the chance of saving money. Drivers may discover the most savings is with the smaller companies.

To learn more, feel free to browse the resources below: