Save on 1997 Dodge Grand Caravan Insurance Quotes

Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other consumers. Since consumers have many different company options, it can be hard to pick the right insurance company.

It’s important to price shop coverage on a regular basis because rates change quite often. Even if you got the best deal on Grand Caravan coverage on your last policy the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance on the internet, so with this article, you’re going to get a lot of great tips on how to buy insurance cheaper.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Vehicle owners just need to learn the most efficient way to compare rates online.

How to Compare Insurance Coverage

There are multiple methods to compare 1997 Dodge Grand Caravan insurance coverage prices but some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the larger companies take part in a program that allows shoppers to complete one form, and each company provides a quote based on that data. This system prevents you from having to do quote requests for each company.

To access this free quoting program, click to open in new window.

The one downside to comparing rates this way is you can’t choose the companies you want to price. If you wish to select specific providers to receive pricing from, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using identical quote information for every quote you compare. If you compare different liability limits it’s impossible to determine the lowest rate for your Dodge Grand Caravan.

Discounts are great for lower rates

Auto insurance companies don’t necessarily list every discount very well, so we took the time to find some of the best known as well as the least known savings tricks you should be using. If you don’t get every credit you deserve, you are paying more than you should be.

  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Paperwork-free – A few companies may give you up to $50 simply for signing digitally online.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could qualify for discounted rates on garaged vehicles.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Car insurance companies who might offer these benefits are:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts may not apply in your area.

You may need specialized coverage

When it comes to choosing coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • What are the best liability limits?
  • Is business property covered if stolen from my car?
  • Is my dog or cat covered if injured in an accident?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need motorclub coverage?
  • Why do I need rental car insurance?
  • What is covered by UM/UIM coverage?
  • Why does it cost so much to insure a teen driver?
  • What discounts do I qualify for?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Parts of your car insurance policy

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, hail damage, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage pay for expenses such as rehabilitation expenses, hospital visits, doctor visits, X-ray expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as structural damage, attorney fees, bail bonds and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage protection

This coverage pays for damage to your Grand Caravan caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, backing into a parked car, damaging your car on a curb, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Grand Caravan.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.