1999 Dodge Caravan Car Insurance Quotes – 6 Tips to Save

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and get the definite best rate

If you have car insurance now, you will be able to save some money using these techniques. Finding affordable coverage is quite easy. But vehicle owners need to have an understanding of how companies price insurance differently and apply this information to your search.

Compare the Market for Auto Insurance

Most companies like Progressive, Allstate and Geico quote price estimates directly from their websites. Getting online quotes is pretty easy as you just type in the coverages you want as requested by the quote form. Once entered, their rating system orders your driving record and credit report and gives you a price quote based on these factors. Quoting online makes it a lot easier to compare rates but the process of having to visit different websites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

The quickest way to compare auto insurance pricing is to use a quote form that gets price quotes from a lot of companies. The form is fast, reduces the work, and makes online price comparison a lot less work. After sending the form, it is rated and you can select any of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and can result in significant savings.

To find out how much you’re overpaying now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in deductibles and limits just like they are on your policy. This way, you will have rate comparison quotes based on similar coverages.

Don’t overlook these six discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but some must be asked for before they will apply.

  • Club Memberships – Participating in a qualifying organization could qualify you for a break on your policy for Caravan insurance.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for a substantially lower rate.
  • Own a Home – Owning a home may trigger a insurance coverage policy discount because owning a home requires personal responsibility.
  • Safety Course Discount – Taking a driver safety course could cut 5% off your bill depending on where you live.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • Resident Student – Children living away from home attending college and do not have a car can be insured at a reduced rate.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance coverage policy, you’re out of luck. But all discounts will cut your premiums.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts might not apply everywhere.

Is my situation unique?

When choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if you will benefit from professional help.

  • Will my rates increase for filing one claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my medical payments coverage pay my health insurance deductible?
  • How do I buy GAP insurance?
  • How can I get my company to pay me more for my totalled car?
  • Am I getting all the discounts available?
  • Is my dog or cat covered if injured in an accident?
  • Is motorclub coverage worth it?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Don’t believe everything you hear

Companies like Progressive, Allstate and Geico consistently run ads in print and on television. All the ads make an identical promise that you’ll save big if you change your policy. How does each company make the same claim?

Different companies have a certain “appetite” for the driver that makes them money. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no prior claims, and has a short commute. Any new insured who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.

Potential insureds who are not a match for these standards must pay a more expensive rate which leads to business not being written. The ads say “customers who switch” but not “drivers who get quotes” save money. That’s why companies can truthfully make the claims of big savings.

This illustrates why you need to get as many comparisons as possible. You cannot predict which company will have the lowest Dodge Caravan insurance rates.

Coverage specifics

Learning about specific coverages of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like hospital visits, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as legal defense fees, emergency aid, loss of income and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, hail damage, damage from a tornado or hurricane, fire damage and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Caravan caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists 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 only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

In the end, you save

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured dropped liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

We’ve covered a lot of ways to shop for 1999 Dodge Caravan insurance online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with a smaller regional carrier. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

Much more information about car insurance can be read below: