1992 Dodge Caravan Car Insurance Rates – 10 Discounts for Best Quotes

Searching for better insurance prices for a new or used Dodge Caravan can be an all-consuming task, but you can use our auto insurance buying tips and make it easy.

There is a better way to find auto insurance online so we’re going to tell you the quickest way to get price quotes for your Dodge and locate the best price possible from local insurance agents and online providers.

You should take the time to price shop coverage periodically because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for Caravan insurance a year ago there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to find out one of the best ways to get good coverage at a lower rate.

Free Quotes for Insurance Coverage

Performing a rate comparison is a ton of work if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon driving to insurance companies in your area, or you could use the internet to accomplish the same thing much quicker.

Many of the larger companies participate in a marketplace that enables customers to send in one quote, and each participating company then gives them pricing. This system prevents you from having to do quotation requests for every insurance coverage company.

To submit your quote information now, click here to open in new window.

The single downside to pricing coverage this way is that you can’t choose the providers you want to price. So if you prefer to pick specific providers for rate comparison, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare identical information on every quote. If you use differing limits you will not be able to determine the best price for your Dodge Caravan.

Discounts can save BIG

Insuring your vehicles can cost a lot, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but a few must be requested specifically in order for you to get them. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of up to 25% or more.
  • Senior Discount – Older drivers may be able to get reduced rates for Caravan insurance.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • No Charge for an Accident – Certain 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.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to accident-prone drivers.
  • Low Mileage – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

It’s important to note that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of companies who offer insurance discounts, click here.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • What is an SR-22 filing?
  • Am I missing any policy discounts?
  • Is pleasure use cheaper than using my 1992 Dodge Caravan to commute?
  • Do I need replacement cost coverage on my 1992 Dodge Caravan?
  • Why does it cost so much to insure a teen driver?
  • Is there coverage for injuries to my pets?
  • Is upholstery damage covered by car insurance?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Auto insurance policy specifics

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Caravan.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, hitting a deer, damage from flooding and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage – This provides protection from damages or injuries you inflict on a person or their property 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 liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL 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, attorney fees, loss of income, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like X-ray expenses, dental work, pain medications, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance covers damage to your Caravan resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door, scraping a guard rail, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Save for a rainy day

Insureds switch companies for many reasons like delays in paying claims, denial of a claim, being labeled a high risk driver and high prices. It doesn’t matter what your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

The cheapest 1992 Dodge Caravan insurance is definitely available both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

We just presented a lot of tips how to lower your insurance rates. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the biggest savings come from the smaller companies.

Additional resources