2002 Dodge Caravan Insurance Quotes

Want the cheapest insurance rates for your Dodge Caravan? Finding better rates for insurance is difficult for consumers new to comparison shopping online. There are so many companies to choose from that it can be a challenge to locate the lowest price.

If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. The purpose of this article is to help you learn how to effectively get price quotes. Although consumers do need to learn the way companies determine prices because it can help you find the best coverage.

The method we recommend to compare insurance rates from multiple companies is to take advantage of the fact auto insurance companies pay for the opportunity to provide you with a free rate quote. All consumers are required to do is give them rating details including which vehicles you own, types of safety features, whether you are single or married, and whether you have decent credit. The rating information gets transmitted to many different companies and they return quotes with very little delay.

To check rates for your 2002 Dodge Caravan, click here and complete the form.

These discounts can slash car insurance rates

Car insurance can cost a lot, but you can get discounts to help bring down the price. Most are applied when you purchase, but a few need to be requested specifically before being credited.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • No Accidents – Good drivers with no accidents pay less as compared to bad drivers.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.

Drivers should understand that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. But any discount will reduce the amount you have to pay.

Car insurance companies that may have these discounts are:

Check with each insurance company which discounts you may be entitled to. Savings may not apply everywhere.

When might I need the advice of an agent?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help you determine if your insurance needs may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Am I getting all the discounts available?
  • Where can I get insurance after a DUI in my state?
  • Will my rates increase for filing one claim?
  • Is my camper covered by my car insurance policy?
  • Does medical payments coverage apply to all occupants?
  • What if I owe more than I can insure my car for?
  • What is the rate difference between pleasure use and commuting?
  • Can I make deliveries for my home business?
  • Should I sign the liability waiver when renting a car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance 101

Learning about specific coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision protection

Collision coverage covers damage to your Caravan resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, crashing into a ditch and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like pain medications, funeral costs, nursing services, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, funeral expenses, medical services, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Caravan.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Feed the piggy bank

Cheaper 2002 Dodge Caravan insurance can be purchased online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not provide online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, never buy less coverage just to save a little money. In many instances, consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big mistake. Your aim should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Throughout this article, we presented a lot of information how to shop for insurance online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the lesser-known companies.

Additional information can be read at these links: