Compare 2004 Dodge Grand Caravan Insurance Quotes

Overpriced Dodge Grand Caravan insurance can empty your bank account and force you to make sacrifices. Doing a price comparison is a smart way to help make ends meet. With so many companies and agents to choose from, it can be impossible to locate the right provider.

Free Insurance Quotes

There are a lot of ways to shop for insurance, but one way is more efficient than others. You can waste hours talking about coverages with agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Many popular insurance companies participate in an industry program that allows shoppers to send in one quote, and every company returns a competitive quote determined by their information. This saves time by eliminating quote forms to every company.

To get comparison pricing now click to open in new window.

The only downside to doing it this way is buyers cannot specifically choose which providers you want pricing from. If you wish to select individual companies to request quotes from, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare identical coverage limits with every price quote. If each company quotes different values for each quote you can’t possibly determine the lowest rate for your Dodge Grand Caravan.

Pieces of the Dodge Grand Caravan insurance rate puzzle

It’s important that you understand the different types of things that play a part in calculating your insurance coverage rates. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

Shown below are some of the items companies use to determine rates.

  • One company can mean more discounts – Most companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to shop around to verify if the discount is saving money.
  • Where you live is a factor – Residing in a small town can be a good thing when it comes to insurance coverage. Drivers in populated areas tend to have much more traffic and longer commute times. Fewer drivers means reduced accidents and a lower car theft rate.
  • Don’t buy coverages you don’t need – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and motor club memberships may be wasting your money. They may seem good initially, but if you don’t need them eliminate them to save money.
  • Rate your vehicle for proper use – The more miles you rack up on your Dodge in a year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based upon how you use the vehicle. Autos not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage policy properly reflects how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Grand Caravan may be wasting your money.
  • Older drivers pay less – Older drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Teenage drivers tend to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.
  • Do you know you’re credit rating? – Having a bad credit history is a large factor in determining your rates. If your credit history is not that good, you could save money insuring your 2004 Dodge Grand Caravan by improving your rating. People with excellent credit tend to be more responsible than drivers with lower credit scores.
  • Are you male or female? – Statistics demonstrate that women are safer drivers than men. However, don’t assume that men are worse drivers. Women and men cause accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • Traffic citations inflate rates – Your driving record has a huge affect on how much you pay. Even a single ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to drive a vehicle legally.

Pay less by taking advantage of discounts

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but less common discounts must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Student in College – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Sign Online – Some insurance companies will give a small break for buying your policy online.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Memberships – Being a member of a qualifying organization could trigger savings on car insurance for Grand Caravan insurance.
  • Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Homeowners Discount – Owning a home can help you save on car insurance because owning a home demonstrates responsibility.
  • Sign Early and Save – A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will help reduce the amount you have to pay.

To see a list of insurers offering car insurance discounts, click here.

Your coverage should be tailored to you

When it comes to buying coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Are rental cars covered under my policy?
  • What if I owe more than I can insure my car for?
  • What is the difference between comprehensive and collision coverage?
  • Do I need replacement cost coverage on my 2004 Dodge Grand Caravan?
  • Am I covered if I crash into my own garage door?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I benefit by insuring my home with the same company?
  • Does car insurance cover theft of personal property?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most auto insurance policies.

Auto collision coverage

This coverage will pay to fix damage to your Grand Caravan resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with a tree, scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Grand 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. So UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Coverage for liability

This can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, medical services and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for dental work, rehabilitation expenses, hospital visits, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from flooding, hail damage, a broken windshield and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In the end, you save

We’ve covered a lot of information how to get a better price on 2004 Dodge Grand Caravan insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest rates come from a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

Cost effective insurance is attainable on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer online price quotes and these small insurance companies work with independent agents.

Much more information about insurance coverage can be read below: