Cheap 1996 Dodge Caravan Insurance Rates

Trying to find better insurance rates for your Dodge Caravan? Expensive insurance can overdraw your bank account and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to help make ends meet. With so many insurance providers from which to choose, it is very difficult to find the best car insurance company.

It’s a great practice to compare prices quite often because insurance rates are constantly changing. Even if you think you had the best price on Caravan coverage a few years ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.

Compare the Market for Auto Insurance

Performing a rate comparison can be a daunting task if you don’t utilize the most efficient way to do it. You could spend the better part of a day talking to insurance companies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many companies belong to an insurance system where insurance shoppers enter their coverage request one time, and at least one company returns a competitive quote based on that information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To use this form to compare 1996 Dodge Caravan insurance rates click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly which companies you want to price. So if you want to choose from a list of companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

Whichever way you use, make absolute certain that you use identical information on every quote. If you compare different values for each quote you will not be able to determine the best price for your Dodge Caravan.

Do drivers who switch really save?

Consumers constantly see and hear ads for cheaper car insurance from companies such as Allstate, Geico and Progressive. All the ads make an identical promise of big savings after switching your policy.

How can each company make almost identical claims?

All companies are able to cherry pick for the driver they prefer to insure. An example of a desirable insured could possibly be over the age of 50, has no driving citations, and has excellent credit. A customer that hits that “sweet spot” will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential customers who are not a match for the “perfect” profile will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can confidently make those claims.

Because of the profiling, it’s extremely important to compare as many rates as you can. It’s not possible to predict the company that will give you the biggest savings on Dodge Caravan insurance.

Parts of the Dodge Caravan rate equation

It’s important that you understand the factors that come into play when calculating the price you pay for insurance coverage. Understanding what determines base rates helps enable you to make changes that may reward you with big savings.

  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Both sexes have accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as reckless driving.
  • Rural vs Urban Areas – Living in a small town can save you money when buying insurance coverage. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers tend to have traffic congestion and longer commute times. Longer commute distances translates into higher accident risk.
  • Your credit rating is important – Credit history is a huge factor in determining what you pay for insurance coverage. Therefore, if your credit is not that good, you could save money insuring your 1996 Dodge Caravan by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Lower rates come with age – More mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to be less responsible when driving and because of this, their insurance coverage rates are much higher.
  • Do you qualify for a multi-policy discount? – Some insurers provide better rates to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by buying insurance coverage from a different company.
  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as judges, architects and accountants tend to pay higher rates than average in part from job stress and long work hours. On the flip side, jobs such as scientists, athletes and performers have the lowest average rates on Caravan coverage.
  • Don’t skimp on liability – Liability coverage provides coverage if you are found liable for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.

Take discounts and save

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but a few need to be specially asked for before they will apply. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Defensive Driver – Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Good Student – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy may reduce the rate for each vehicle.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Distant Student – Children who live away from home and don’t have a car may be able to be covered for less.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Caravan coverage than their less cautious counterparts.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free insurance policy, it just doesn’t work that way. But all discounts will help reduce your premiums.

For a list of companies with the best insurance discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Is my camper covered by my car insurance policy?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need roadside assistance coverage?
  • Where can I find DUI or SR-22 insurance?
  • Can I drive in Mexico and have coverage?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Learn about auto insurance coverages for a Dodge Caravan

Having a good grasp of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Auto liability insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as bail bonds, pain and suffering, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as pain medications, dental work and chiropractic care. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1996 Dodge Caravan.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

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

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Get your money’s worth

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Cost effective 1996 Dodge Caravan insurance is attainable online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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