2006 Dodge Caravan Car Insurance Cost

Searching for better insurance rates for your Dodge Caravan? Locating better insurance prices for a new or used Dodge Caravan could be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to shop for insurance so you’re going to learn the proper way to get price quotes for a new or used Dodge and locate the lowest price from both online companies and local agents.

Consumers need to check insurance prices at least once a year since insurance prices change frequently. If you had the lowest price for Caravan coverage on your last policy you may be paying too much now. There is a lot of bad advice regarding insurance online but you can learn some good information on how to lower your insurance rates.

If you have insurance now or need a new policy, you will benefit by learning to reduce the price you pay while maintaining coverages. Buying the cheapest coverage is easy if you know what you’re doing. Drivers only need an understanding of the best way to shop online.

Quote auto insurance online

Getting more affordable 2006 Dodge Caravan auto insurance pricing isn’t really that difficult. Drivers just need to spend a little time comparing price quotes to find the company with the cheapest car insurance quotes. Price comparisons can be done using one of these methods.

1. Experts agree that the best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This quick form keeps you from doing separate quote forms for every company. One form gets insurance cost estimates from auto insurance companies with the best prices. This is by far the quickest method.
2. A slightly less efficient method to analyze rates is spending the time to visit the website for every company you want to comare to request a price quote. For examples sake, we’ll assume you want to see prices from Progressive, Farmers and Travelers. To get each rate you have to navigate to each company’s site and repeatedly enter your information, which can get old fast. For a handy list of car insurance company links in your area, click here.
3. The most difficult way to comparison shop rate quotes is driving around to local insurance agencies. Quoting online eliminates the middleman unless you have a need for the guidance that you can only get from talking to an agent. It is possible with some companies comparison shop your insurance online but buy from a local insurance agent.

The method you choose is up to you, but be sure you’re using the same coverage data for each comparison quote. If you enter different liability limits it’s impossible to decipher which rate is best.

Car insurance can be complex

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation might need professional guidance.

• What is the ISO rating for a 2006 Dodge Caravan?
• Is my Dodge Caravan covered if I use it for business?
• How do I insure my teen driver?
• What if I don’t agree with a claim settlement offer?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Coverages available on your auto insurance policy

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability – This coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as structural damage, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, fire damage and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for rehabilitation expenses, dental work, chiropractic care, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance covers damage to your Caravan resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Caravan.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.