Looking for lower auto insurance rates for your Dodge Grand Caravan? Are you a victim of overpriced auto insurance? Trust us when we tell you you’re not the only one. Insurance companies such as Geico, Progressive and Allstate increase brand awareness with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.
Lowering your 1992 Dodge Grand Caravan car insurance rates is surprisingly easy. Drivers just need to take the time comparing rates from different insurance companies. This can be accomplished in just a few minutes using one of these methods.
The recommended way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This form saves time by eliminating boring form submissions for each company. One form will get you rate comparisons from multiple companies.
A different way to get quotes online consists of visiting each company website and complete a new quote form. For examples sake, let’s say you want rates from Farmers, 21st Century and GMAC. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.
For a list of links to insurance companies in your area, click here.
The most time-consuming method of comparing rate quotes is driving around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the professional advice of a local agent. However, consumers can price shop your coverage online and still use a local agent and you’ll learn how to do that later.
Whichever method you choose, make darn sure you compare exactly the same information for each comparison quote. If you use mixed coverages it will be next to impossible to determine the lowest rate for your Dodge Grand Caravan.
When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions could help you determine whether you will benefit from professional help.
If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.
Collision protection
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like rolling your car, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Grand Caravan.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability auto insurance
This will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers claims like legal defense fees, bail bonds, court costs and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for immediate expenses like dental work, chiropractic care, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance
This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like damage from getting keyed, vandalism, a tree branch falling on your vehicle, falling objects and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.