1997 Dodge Caravan Insurance Cost

Want the cheapest insurance coverage rates? Drivers have many options when trying to find low-cost Dodge Caravan insurance. They can either waste time calling around getting price quotes or utilize the internet to find the lowest rates. There are both good and bad ways to compare insurance coverage rates and you need to know the proper way to price shop coverage for your Dodge and obtain the best price possible either online or from local insurance agents.

It’s a great practice to get comparison quotes on a regular basis because insurance coverage rates are adjusted regularly by insurance companies. Just because you found the best premium rates for Caravan insurance on your last policy there may be better deals available now. There is a lot of wrong information about insurance coverage online, but in just a couple of minutes you can learn some excellent ideas to lower your insurance coverage bill.

Get affordable insurance with discounts

Companies don’t always list all possible discounts very well, so the list below contains some of the best known and the more hidden credits that you can use to lower your rates.

• E-sign – A handful of insurance companies give back up to $50 simply for signing online.
• Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on medical payment and PIP coverage.
• Early Switch Discount – A few companies offer discounts for switching companies before your current coverage expires. It’s a savings of about 10%.
• Accident Forgiveness Coverage – but some insurance companies will turn a blind eye to one accident without the usual rate increase if you have no claims for a specific time period.
• Organization Discounts – Joining specific professional or occupational memberships or organizations can get you a small discount on your policy.
• Accident-Free Discounts – Drivers who stay claim-free pay less when compared to accident-prone drivers.
• Drivers Education – Teen drivers should take driver’s ed class in school or through a local driver safety program.
• Safe Driver Discount – Accident-free drivers can pay as much as 50% less for Caravan insurance than drivers with accident claims.

Don’t be shocked that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, insurance companies aren’t that generous.

A few companies who might offer many of the previously listed discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When quoting, ask each insurance company which credits you are entitled to. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of insurance companies who offer discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

• Does my 1997 Dodge Caravan qualify for pleasure use?
• Are my tools covered if they get stolen from my vehicle?
• Do I need special endorsements for business use of my vehicle?
• Does my insurance cover my expensive audio equipment?
• I don’t drive much so do I pay less?
• How do I insure my teen driver?
• Do I need higher collision deductibles?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

What insurance coverages do you need?

Having a good grasp of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Caravan.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision protection

Collision coverage covers damage to your Caravan resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for funeral costs, surgery, chiropractic care and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, falling objects, hitting a bird and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage will cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things like bail bonds, funeral expenses and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Get your money’s worth

Drivers leave their current company for many reasons like policy non-renewal, extreme rates for teen drivers, poor customer service or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right insurance provider can be pretty painless.

We covered a lot of ways to reduce 1997 Dodge Caravan insurance premium rates online. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

Cheap 1997 Dodge Caravan insurance can be purchased from both online companies in addition to many insurance agents, so get free insurance coverage quotes from both of them to have the best selection. There are still a few companies who may not have the ability to get quotes online and these small insurance companies sell through independent agents.

Additional detailed information can be found at these sites:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)