2000 Dodge Caravan Insurance Rates

Searching for lower auto insurance rates? Consumers have a choice when looking for the best price on Dodge Caravan insurance. You can either spend your time calling around getting price quotes or use the internet to get rate quotes.

There is a better way to compare auto insurance rates so you’re going to learn the proper way to compare rates for a Dodge and find the lowest possible price from local insurance agents and online providers.

Verify you’re getting all your discounts

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but some may not be applied and must be specially asked for prior to getting the savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Homeowners Discount – Owning a house can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Multiple Cars – Insuring all your vehicles with the same company may reduce the rate for each vehicle.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Save with a New Car – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Senior Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums for Caravan coverage.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

A partial list of companies who might offer these benefits include:

Double check with every prospective company which discounts they offer. Some discounts may not apply everywhere.

When should I talk to an agent?

When it comes to buying the best insurance coverage coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your situation will benefit from professional help.

  • Is my teenager covered with friends in the car?
  • How much liability coverage do I need in my state?
  • Do I benefit by insuring my home with the same company?
  • Does my personal policy cover me when driving out-of-state?
  • What is an SR-22 filing?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is no-fault insurance?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Specific coverage details

Understanding the coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverages – Collision insurance pays for damage to your Caravan resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, backing into a parked car, hitting a parking meter, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses like rehabilitation expenses, funeral costs, hospital visits, EMT expenses 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 you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, falling objects, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Caravan.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Auto liability – This coverage can cover damage or injury you incur to other’s property or people 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. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, loss of income and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Be a penny pincher

We just presented many tips how you can save on 2000 Dodge Caravan insurance. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a small mutual company.

Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, high prices, high rates after DUI convictions and policy non-renewal. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

Cost effective insurance can be sourced from both online companies and with local insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Additional insurance coverage information is available on the following sites: