2005 Dodge Grand Caravan Insurance Rates – 6 Ways to Save

Consumers have a choice when looking for the best price on Dodge Grand Caravan insurance. You can either spend your time driving around to compare prices or use the internet to compare rates.

There is a better way to compare insurance coverage rates so you’re going to learn the absolute fastest way to quote coverages on a Dodge and find the lowest possible price from local insurance agents and online providers.

If you have insurance now or need a new policy, you can use this information to find the best rates while maintaining coverages. The purpose of this article is to introduce you to how to effectively get price quotes. Drivers just need to learn how to shop for car insurance online.

Auto Insurance Comparison Rates

Reducing your 2005 Dodge Grand Caravan insurance rates is actually quite simple. Consumers just need to invest a few minutes to compare rate quotes online from several insurance companies. This is very easy and can be done in several different ways.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating separate quotation requests for every auto insurance company. Just one form gets rate comparisons from multiple companies. Just one form and you’re done.

A less efficient way to obtain and compare quotes online consists of visiting the website for each individual company and request a quote. For instance, let’s assume you want comparison quotes from Liberty Mutual, 21st Century and Progressive. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The least efficient method of getting rate comparisons is to waste gas driving to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the personal advice only provided by licensed agents. However, consumers can price shop your coverage online but buy from a local insurance agent and we’ll cover that in a bit.

However you get your quotes, make sure you use the exact same coverage information with every price quote. If you enter different liability limits it will be impossible to make an equal comparison.

Don’t pay full price with these six discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Certain discounts will be applied at quote time, but lesser-known reductions have to be specifically requested in order for you to get them. If you’re not getting every credit available, you are paying more than you should be.

Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
Drive Less and Save – Keeping the miles down on your Dodge could qualify for lower rates on the low mileage vehicles.
Defensive Driver – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way. Any qualifying discounts will bring down the amount you have to pay.

Insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each company which discounts you may be entitled to. Savings might not apply in your area.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.

These are some specific questions may help highlight if you would benefit from professional advice.

Do I really need UM/UIM coverage?
Is my teenager covered with friends in the car?
Am I covered if I break a side mirror?
Do I have coverage when pulling a U-Haul trailer?
Should I buy more coverage than the required minimum liability coverage?
Am I covered when driving in Canada or Mexico?
When would I need rental car insurance?
Does my insurance cover a custom paint job?
When should I buy a commercial auto policy?
Is my state a no-fault state?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy specifics

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, damage from flooding and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like funeral costs, ambulance fees, EMT expenses, X-ray expenses and nursing services. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage – This coverage covers damage to your Grand Caravan from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Liability insurance – This can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, medical expenses, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

And the best car insurance company is…

Cost effective 2005 Dodge Grand Caravan insurance can be sourced from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and these small insurance companies work with independent agents.

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, delays in paying claims, an unsatisfactory settlement offer or high prices. No matter why you want to switch, finding a new company is not as difficult as it may seem.

As you prepare to switch companies, never reduce coverage to reduce premium. In many cases, someone sacrificed liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.