How Much Does 1996 Dodge Caravan Car Insurance Cost?

Looking for better insurance coverage rates? Shoppers have options when shopping for the lowest priced Dodge Caravan insurance. You can either spend your time calling around to compare prices or leverage the internet to get rate quotes.

There is a better way to buy insurance coverage and we’ll show you the proper way to get price quotes for a Dodge and get the lowest possible price from local insurance agents and online providers.

If you have a policy now or need a new policy, you can use these techniques to find the best rates and still get good coverage. The purpose of this article is to introduce you to the best way to quote coverages and some tips to save money. Consumers only need an understanding of the most efficient way to buy insurance over the internet.

Dodge Caravan insurance rates are influenced by…

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that could result in lower car insurance prices.

Listed below are a partial list of the pieces car insurance companies consider when setting premiums.

  • Liability coverage is cheap – Liability coverage provides coverage if a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Multiple policies with one company can save – The majority of companies provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.
  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Dodge Caravan earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Extra coverages can waste money – There are a ton of additional coverages that you can buy on your Caravan policy. Insurance for rental car reimbursement, towing coverage and motor club memberships are some examples. They may seem like a good idea initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Where do you drive? – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage. Incorrect usage on your Caravan may be wasting your money.
  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Men and women tend to get into accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Poor driving leads to higher costs – Your driving citation history has a lot to do with how much you pay for insurance. Just one moving violation may increase your cost forty percent or more. Drivers with clean records have lower premiums than their less careful counterparts. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a guaranteed way to trigger a rate increase. Not only will you pay more, getting caught without coverage will get you a license revocation or jail time.

Car Insurance Prices Online

All major car insurance companies allow you to get prices for coverage directly from their websites. This process doesn’t take a lot of time as you simply type in your coverage information into the quote form. After the form is submitted, the company’s rating system makes automated requests for your credit score and driving record and provides a quote based on these and other factors.

Online quotes makes it a lot easier to compare rates but the process of having to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s very important to compare as many rates as possible in order to find better car insurance pricing.

A more efficient way to locate the lowest prices is to use a quote form to obtain quotes from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes online price comparison much easier. After sending your information, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the policy. This process takes just a few minutes to complete and can result in significant savings.

To get comparison pricing now, click here and fill out the form. To compare your current rates, we recommend you enter the limits and deductibles identical to your current policy. This way, you will have an apples-to-apples comparison for similar coverage.

Is there deception in advertising?

Consumers get pounded daily by advertisements that promise big savings by State Farm and Allstate. All the companies say the same thing of big savings if you move to their company.

But how can every company claim to save you money?

Different companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a profitable customer might be a mature driver, insures multiple vehicles, and chooses high deductibles. Any new insured that hits that “sweet spot” will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who are not a match for the requirements must pay higher premiums which leads to the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that much. That’s why insurance companies can claim big savings.

This illustrates why drivers should compare many company’s rates. It’s just too difficult to predict which insurance companies will give you the biggest savings on Dodge Caravan insurance.

Discounts are available to cut your rates

The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply when you quote, but some may not be applied and must be asked for prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Caravan insurance with select insurance companies.
  • No Accidents – Good drivers with no accidents pay less as compared to bad drivers.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • 55 and Retired – Older drivers may receive reduced rates on Caravan insurance.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.

Consumers should know that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free car insurance policy, you’re out of luck. But any discount will bring down the amount you have to pay.

A partial list of companies that may have these benefits may include but are not limited to:

Check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Everyone needs different coverages

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • Do I have coverage when using my vehicle for my home business?
  • Where can I find high-risk insurance?
  • Am I covered by my spouse’s policy after a separation?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving a rental car?
  • Who is covered by my policy?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

The coverage is in the details

Having a good grasp of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like rehabilitation expenses, doctor visits, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your Caravan resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, sustaining damage from a pot hole, backing into a parked car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage

This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people. It does not 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. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have 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 can pay for claims such as medical services, medical expenses, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Caravan.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are set the same as your liablity limits.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, hitting a deer, falling objects and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Best coverage at the best price

We just covered quite a bit of information on how to get a better price on 1996 Dodge Caravan insurance. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the best prices are with a small local company.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Affordable insurance is available from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

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