1993 Dodge Caravan Insurance Rates

Sick and tired of not being able to afford to pay your car insurance bill each month? You are in the same boat as most other car owners.

Multiple car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every company and get the best coverage at the lowest rate

If you have car insurance now, you should be able to save some money using these tips. Finding affordable coverage is not that difficult. Although consumers need to learn how big insurance companies market insurance on the web and take advantage of how the system works.

Dodge Caravan insurance rates have many determining factors

It’s important that you understand some of the elements that help determine the price you pay for insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get better insurance rates.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Marriage brings a discount – Being married helps lower the price on insurance. It is viewed as being more mature than a single person and statistics show drivers who are married are more cautious.
  • Drive less and save money – The more miles you rack up on your Dodge each year the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your insurance policy shows how each vehicle is driven. If your policy improperly rates your Caravan can cost quite a bit.
  • Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If your Dodge Caravan scored better than four stars on Safercar.gov you may qualify for a discount.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage when a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Extra coverages can waste money – There are quite a few extra bells and whistles that you can buy on your insurance policy. Coverages for vanishing deductibles, towing coverage and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so eliminate them to save money.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance? Careers like doctors, social workers and financial analysts tend to have higher average rates because of job stress and long work hours. Conversely, professions such as actors, engineers and performers receive lower rates on Caravan insurance.

Don’t miss these discounts

Car insurance companies do not list every discount in a way that’s easy to find, so we break down both well-publicized and also the lesser-known discounts you could be receiving.

  • Senior Discount – If you’re over the age of 55, you may receive better auto insurance rates on Caravan insurance.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last until age 25.
  • Paperwork-free – A few companies may give you up to $50 simply for signing digitally online.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way.

To see a list of companies offering auto insurance discounts, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Insurance providers like State Farm, Geico and Progressive consistently run ads in print and on television. They all make the same claim that you can save if you change to them. But how can every company say the same thing?

All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a driver they prefer could be over the age of 40, has no tickets, and has a short commute. Any driver who fits that profile will get very good rates and as a result will probably save a lot of money.

Potential customers who don’t measure up to the requirements will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. This is how companies can truthfully make those claims. That is why you absolutely need to get as many comparisons as possible. You cannot predict which insurance company will give you the biggest savings on Dodge Caravan insurance.

When might I need help?

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

  • Will my rates increase for filing one claim?
  • Am I covered if my car is in a flood?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is pleasure use cheaper than using my 1993 Dodge Caravan to commute?
  • What if I don’t agree with a claim settlement offer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I afford to buy a different vehicle if my 1993 Dodge Caravan is totaled?
  • Do I benefit by insuring my home with the same company?
  • Can I drive in Mexico and have coverage?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, a broken windshield, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim 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.

Liability car insurance – This coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, loss of income, medical services, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverages – This coverage will pay to fix damage to your Caravan from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like funeral costs, chiropractic care, X-ray expenses, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Keep this in mind

Budget-conscious 1993 Dodge Caravan insurance is available online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

You just read many ideas to save on insurance. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the smallest insurance companies. They may only write in your state and offer lower rates compared to the large companies like Progressive and Geico.

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