Cheaper 1998 Dodge Grand Caravan Insurance Quotes

Finding lower premiums on car insurance is difficult for beginners to buying insurance online. Consumers have so many options available that it can be a lot of work to compare prices.

It’s a good idea to shop coverage around yearly because rates are adjusted regularly by insurance companies. Even if you got the best rates for Grand Caravan insurance six months ago there is a good chance you can find better rates now. So ignore everything you know about car insurance because we’re going to show you the best methods to remove unneeded coverages and save money.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Finding cheaper coverage is simple if you know the tricks. But vehicle owners do need to learn the way companies market on the web and take advantage of how the system works.

Dodge Grand Caravan insurance premiums are calculated by many factors

An important part of buying insurance is that you know the different types of things that help determine your insurance coverage rates. Understanding what controls the rates you pay enables informed choices that will entitle you to big savings.

  • Too many insurance coverage claims drive up costs – If you file claims often, you can expect either a policy non-renewal or much higher rates. Companies provide lower rates to people who are claim-free. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Where you live can impact rates – Being located in less populated areas has it’s advantages when talking about insurance coverage. Less people living in that area means fewer accidents and a lower car theft rate. Drivers who live in large cities have congested traffic and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Marriage brings a discount – Having a spouse can get you a discount on insurance coverage. Having a significant other translates into being more mature and it’s proven that married couples file fewer claims.
  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, executives and financial analysts are shown to have higher average rates because of job stress and lengthy work days. Conversely, professions such as pilots, engineers and performers pay the least for Grand Caravan insurance.

Comparison of Insurance Coverage

Comparing insurance coverage rates can be challenging if you don’t know the fastest way to get free quotes. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the internet to get rates in a matter of minutes.

The majority of car insurance companies belong to an insurance system where insurance shoppers submit their information once, and at least one company then gives them pricing based on that information. This saves time by eliminating form submissions for each company.

To find out what other companies charge for 1998 Dodge Grand Caravan insurance click here to start a free quote.

One minor caviat to using this type of system is that consumers can’t choose which insurance companies you want pricing from. So if you want to select from a list of companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you use the exact same coverage limits for every company. If your comparisons have unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Dodge Grand Caravan. Quoting even small variations in insurance coverages may result in a large different in cost. Just keep in mind that getting more free quotes will improve the odds of getting lower pricing.

Do you qualify for discounts?

Companies don’t always publicize all their discounts very clearly, so we researched both well-publicized and the harder-to-find car insurance savings.

  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
  • Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates when buying car insurance for Grand Caravan insurance.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

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

Before buying, ask each company how you can save money. All car insurance discounts might not apply everywhere.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • Why does it cost so much to insure a teen driver?
  • When should I remove comp and collision on my 1998 Dodge Grand Caravan?
  • What exactly is covered by my policy?
  • What vehicles should carry emergency assistance coverage?
  • What if I total my 1998 Dodge Grand Caravan and owe more than it’s worth?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is business equipment covered while in my vehicle?
  • Is extra glass coverage worth it?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Parts of your insurance policy

Understanding the coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Grand Caravan.

Due to the fact that many drivers 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 a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses such as dental work, doctor visits, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto liability

This coverage will cover damage that occurs to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like emergency aid, repair costs for stationary objects, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, hitting a bird, a tree branch falling on your vehicle, falling objects and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage covers damage to your Grand Caravan resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

A fool and his money are soon parted

We just covered a lot of tips how to save on 1998 Dodge Grand Caravan insurance. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may even discover the lowest priced insurance comes from some of the lesser-known companies.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. Too many times, an insured cut uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the best price while still protecting your assets.

Affordable insurance can be sourced both online and with local insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Much more information about insurance is available at these links: