How Much Does 1999 Dodge Grand Caravan Car Insurance Cost?

Want cheaper insurance rates for your Dodge Grand Caravan? I doubt anyone gets a kick out of paying for insurance, especially when they know the cost is too high. There is such a variety of insurance companies to choose from, and even though it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

Compare auto insurance rates

Performing a rate comparison can be exhausting if you don’t utilize the easiest way. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use the web to get pricing more quickly.

The majority of car insurance companies enroll in a system where insurance shoppers submit one quote, and at least one company returns a rated price based on that data. This eliminates the need for quote forms to each individual auto insurance company. To access this free quoting program, click here to start a free quote.

The only drawback to pricing coverage this way is buyers cannot specifically choose which providers to get pricing from. So if you want to select specific providers for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the exact same coverage information on every quote you get. If you use different deductibles it will be nearly impossible to find the best deal for your Dodge Grand Caravan.

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Discounts for cheaper auto insurance rates

Auto insurance is not inexpensive, but discounts can save money and there are some available that you may not know about. Certain reductions will be credited when you quote, but less common discounts must be manually applied before you get the savings.

• No Claims – Drivers who don’t have accidents can save substantially when compared with policyholders that have many claims.
• Onboard Data Collection – Insureds who allow their insurance company to scrutinize where and when they drive by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they are good drivers.
• Pay Early and Save – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
• Buy New and Save – Buying a new car instead of a used car is cheaper because new vehicles have to meet stringent safety requirements.
• Distant Student Discount – Youth drivers who attend college more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
• Military Deployment Discount – Being deployed in the military can result in better prices.
• Multiple Policy Discount – If you have multiple policies and insure them with the same company you could get a discount of as much as 10 to 15 percent.
• Discount for Life Insurance – Auto insurance companies who offer life insurance give better premium rates if you take out a life policy as well.

Keep in mind that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, you aren’t that lucky. But all discounts will definitely lower your policy cost.

For a list of companies with discount rates, click this link.

Five things that affect your insurance prices

It’s important that you understand the different types of things that help determine your policy premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that may result in better insurance coverage rates.

Listed below are a few of the “ingredients” used by insurance companies to determine prices.

• Single drivers take more risk – Having a significant other may save some money on your insurance coverage policy. Having a spouse usually means you are more stable financially and insurance companies like that married drivers tend to file fewer claims.
• Buy a safe car and pay less – Safer cars cost less to insure. Vehicles built for safety reduce occupant injuries and lower injury rates means less money paid by your insurance company which can mean better rates for you. If the Dodge Grand Caravan scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Mature drivers pay less – Youthful drivers are statistically proven to be inattentive and easily distracted when driving and because of this, their insurance coverage rates are much higher. Older insureds are viewed as being more responsible, statistically cause fewer accidents , and are generally more financially stable.
• Is your vehicle theft-ready? – Selecting a car model with an alarm system can save you some money. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.
• If you don’t need it don’t buy it – There are a lot of extra bells and whistles you can purchase if you aren’t diligent. Coverages for roadside assistance, better glass coverage, and membership fees could be just wasting money. These coverages may sound good when you first buy your policy, but if they’re wasting money consider taking them off your policy.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

• When should my teen driver be added to my policy?
• Does car insurance cover theft of personal property?
• Am I covered if I hit my neighbor’s mailbox?
• Is my trailer covered?
• How can I get high-risk coverage after a DUI?
• Is my ex-spouse still covered by my policy?
• Does my policy cover my teen driver if they drive my company car?
• What exactly is covered by my policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

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Buyer beware of car insurance advertising tricks

Drivers can’t get away from ads for the lowest price car insurance by Geico, State Farm and Progressive. All the companies convey the message that drivers will save a bundle just by switching your car insurance coverage to their company.

But how can every company cost less than your current company? This is the trick they use.

Car insurance companies have a preferred profile for the right customer that will add to their bottom line. One example of this type of insured might be described as over the age of 45, has a clean driving record, and drives newer vehicles. A propective insured who matches those parameters will get the preferred auto insurance rates and as a result will probably save a lot if they switch.

Potential insureds who fall short of those criteria may be forced to pay more expensive rates with the end result being business going elsewhere. The ads say “customers who switch” not “everybody who quotes” save that much. That is how insurance companies can make claims like that.

Because of the profiling, you should compare as many free insurance coverage quotes as you can. It’s impossible to know which car insurance company will have the best rates at this point in time.

Car insurance coverages explained

Knowing the specifics of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages available from car insurance companies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, ambulance fees, surgery and doctor visits. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision – This pays for damage to your Grand Caravan resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail, crashing into a building, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverage – Liability coverage can cover damage that occurs to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, medical services, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, falling objects, theft and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

A penny saved is a penny earned

In this article, we covered many tips how you can lower your 1999 Dodge Grand Caravan insurance car insurance rates. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding cheap insurance coverage. Consumers could even find that the biggest savings come from an unexpected company. These companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive and Geico.

When you buy insurance coverage online, don’t be tempted to skimp on coverage in order to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The goal is to buy enough coverage at the best possible price while not skimping on critical coverages.

Cheaper insurance can be bought online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not offer rates over the internet and usually these smaller companies work with independent insurance agencies.

Even more information can be read at these sites:

• A Tree Fell on Your Car: Now What? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Liability Insurance Coverage (Nationwide)
• Auto Crash Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Determing Auto Insurance Rates (Geico)

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