View 2001 Dodge Grand Caravan Insurance Quotes

Looking for lower insurance coverage rates for your Dodge Grand Caravan? Are you overwhelmed by the number of insurance coverage options? You have a lot of company. Consumers have so many options that it can turn into a lot of work to compare prices.

Compare Car Insurance Today

Most major insurance companies like Geico, State Farm and Progressive allow you to get insurance quotes on the web. Obtaining pricing doesn’t take much effort as you just enter the coverage amounts you desire into the quote form. Upon sending the form, the system sends out for your driving and credit reports and returns a price.

This streamlines rate comparisons, but the work required to visit a lot of sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you are searching for the lowest possible prices on car insurance.

An easier way to lower your car insurance bill makes use of a single form that gets prices from several companies at one time. The form is fast, eliminates form submissions, and makes rate comparisons a little more enjoyable. After sending your information, it is rated and you are able to buy any of the resulting price quotes. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes 15 minutes at the most and could lower your rates considerably.

To compare rates now, click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you input the coverage information as shown on your current policy. This helps ensure you will have an apples-to-apples comparison based on similar coverages.

Discounts to lower Dodge Grand Caravan insurance rates

Companies don’t always publicize every available discount very clearly, so we break down some of the best known and the more hidden insurance savings.

  • Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Grand Caravan insurance than their less cautious counterparts.
  • Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Military Rewards – Being deployed with a military unit could mean lower rates.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.

For a list of companies with discount insurance rates, follow this link.

Tailor your coverage to you

When buying adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if your insurance needs might need professional guidance.

  • Is a fancy paint job covered?
  • Am I covered if I hit a deer?
  • Is rental equipment covered for theft or damage?
  • How many claims can I have before being cancelled?
  • What companies insure drivers after a DUI or DWI?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to 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, complete this form.

Coverages available on your policy

Having a good grasp of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, fire damage and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as court costs, pain and suffering, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Grand Caravan.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage protection

Collision insurance will pay to fix damage to your Grand Caravan from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, colliding with another moving vehicle, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like dental work, ambulance fees and funeral costs. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Make a quick buck

In this article, we presented a lot of information how to save on 2001 Dodge Grand Caravan insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company.

People switch companies for any number of reasons including poor customer service, an unsatisfactory settlement offer, questionable increases in premium and even unfair underwriting practices. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

Affordable insurance can be purchased online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Additional detailed information can be read by following these links: