Buy Dodge Caravan Insurance for Less Money while Keeping Important Coverages

Shoppers have many options when shopping for affordable Dodge Caravan insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to make rate comparisons.

There is a better way to shop for auto insurance and we’ll show you the quickest way to get price quotes for a new or used Dodge and obtain the lowest price from local insurance agents and online providers.

It’s a good habit to do rate comparisons periodically since rates trend upward over time. Even if you think you had the lowest rates for Caravan insurance six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the best methods to find better coverage at a better price.

How to Compare Auto Insurance

Most companies give prices online. Getting quotes doesn’t take much effort as you simply enter your coverage information into the quote form. Once entered, their system orders your driving and credit reports and gives you a price quote.

Being able to quote online simplifies rate comparisons, but the time required to go to a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to find the lowest possible prices on auto insurance.

A quicker way to find cheaper rates utilizes a single form that gets price quotes from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. After sending your information, it gets priced and you can select any or none of the returned quotes. insurance banner

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The entire process only takes a few minutes and may save quite a bit of money.

If you want to find out how much you’re overpaying now, click here and submit the form. To compare your current rates, we recommend you enter deductibles and limits exactly as shown on your declarations page. This way, you will be getting a price comparison for the exact same coverage.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but some must be asked about before you will receive the discount.

  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Caravan insurance.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

It’s important to note that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will reduce the cost of coverage.

To choose insurers with discount auto insurance rates, click here.

Dodge Caravan insurance rates are influenced by…

Smart consumers have a good feel for the rating factors that help determine your auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

The following are some of the factors that factor into prices.

insurance for Caravan

  • Bad driving skills means higher rates – A bad driving record impacts your car insurance rates tremendously. Good drivers get better rates than bad drivers. Even one ticket can increase rates by twenty percent. If you have serious 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 to the state department of motor vehicles in order to continue driving.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Do you need the policy add-ons? – There are many extra bells and whistles that can waste your money when buying auto insurance. Coverages like rental car reimbursement, accident forgiveness and additional equipment coverage may be costing you every month. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Marriage brings a discount – Having a wife or husband can get you a discount on auto insurance. Having a significant other means you’re more mature it has been statistically shown that married drivers get in fewer accidents.
  • High credit ratings translate to low rates – Credit score is a important factor in determining your rates. So if your credit is lower than you’d like, you could save money insuring your Dodge Caravan by repairing your credit. People with high credit scores tend to be more responsible than drivers who have poor credit.
  • Never allow your policy to lapse – Having an insurance coverage lapse is a sure-fire way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance will get you a license revocation or jail time.

Cheaper insurance is a realistic goal

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, policy cancellation, denial of a claim or even not issuing a premium refund. It doesn’t matter why you want to switch finding the right auto insurance provider can be easier than you think.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.

We just covered many tips how you can compare Dodge Caravan insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Drivers may discover the most savings is with the smaller companies.