Save on 1998 Dodge Caravan Car Insurance Quotes

Are you a victim of an overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Big companies like Geico, Progressive and Allstate increase brand awareness with TV and radio ads and consumers find it hard to ignore the propoganda and find the best price available.

Smart consumers take time to do rate comparisons occasionally due to the fact that insurance rates change regularly. Just because you had the lowest rates for Caravan insurance a couple years back the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because I’m going to teach you the easiest way to remove unneeded coverages and save money.

The best way to compare car insurance company rates is to know the trick most of the larger companies actually pay money for the chance to provide you with free rate quotes. All consumers are required to do is give them rating details such as whether your vehicle is owned or leased, what you do for a living, your credit rating estimate, and how you use your vehicles. The rating information is submitted instantly to many of the top insurers and they respond with quotes instantly to find the best rate.

To start a rate quote now, click here and complete the quick form.

Dodge Caravan insurance rates are influenced by…

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for insurance. Having a good understanding of what influences your rates enables informed choices that can help you get lower insurance prices.

  • Rural vs Urban Areas – Being located in small towns and rural areas is a positive aspect when talking about insurance. City drivers tend to have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Bad driving skills means higher rates – A bad driving record has a huge affect on how much you pay. Even one speeding ticket can increase rates forty percent or more. Good drivers receive lower rates than their less careful counterparts. If you have dangerous violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Never go without insurance – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • How credit affects insurance rates – Having a bad credit history is a important factor in determining your rates. If your credit history is not that good, you could be paying less to insure your 1998 Dodge Caravan by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Do you need the policy add-ons? – There are a lot of add-on coverages that you can get tricked into buying on your Caravan policy. Insurance for rental car reimbursement, accidental death and membership fees may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Discounts for multiple policies – Most insurance companies give discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for insurance? Occupations like lawyers, architects and dentists tend to have the highest average rates in part from job stress and lots of time spent at work. Other jobs such as scientists, historians and homemakers receive lower rates for Caravan insurance.

Save with discounts on 1998 Dodge Caravan insurance

The cost of insuring your cars can be expensive, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specifically requested prior to getting the savings.

  • Multi-car Discount – Having more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up over the internet.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount for Caravan insurance with select insurance companies.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better car insurance rates for Caravan insurance.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Caravan insurance than their less cautious counterparts.

Keep in mind that most discounts do not apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will reduce the amount you have to pay.

A partial list of companies that possibly offer these discounts are:

It’s a good idea to ask each insurance company how you can save money. Savings might not be offered in your area.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • Should I carry comprehensive and collision coverage?
  • When should my teen driver be added to my policy?
  • Is business equipment covered while in my vehicle?
  • Who is covered when they drive my 1998 Dodge Caravan?
  • Does medical payments coverage apply to all occupants?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverage considerations

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are identical to your policy’s liability coverage.

Collision coverages – Collision 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 the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverage – This can cover damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as pain and suffering, bail bonds and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, falling objects, hitting a deer and damage from flooding. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like chiropractic care, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

At the end of the day…

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate while still protecting your assets.

Cheap 1998 Dodge Caravan insurance is available on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Helpful articles