Car Insurance Quotes for a Dodge Caravan

Drivers can benefit from a variety of auto insurance policies, including state minimum liability and full coverage.

Full Coverage 

Full coverage offers substantially greater protections than a state minimum liability policy, typically inclusive of a combination of liability, collision and comprehensive. 

You may choose to include optional selections such as medical payments (MedPay), roadside assistance, rental car reimbursement, gap insurance, personal injury protection (PIP) and uninsured/underinsured motorist.

Although not required, these extra options typically cost several more dollars a year and can provide greater peace of mind while on the road.

As full coverage typically combines first-party benefits like physical damage protection (collision/comprehensive), expect to pay several hundred dollars more per year than a state minimum liability policy. With collision and comprehensive coverage, insurance will help cover the cost of repairing or replacing your vehicle minus your deductible, which is usually anywhere from $200 to $2,000.

Fortunately, there are several ways to save on full coverage. One way is to enroll in discount programs.

Here are four popular discount programs that may be available to you and how to get them (subject to change, depending on the insurer):

• Multi-car discount: Insuring more than one vehicle under the same policy
• Defensive driving discount: Awarded for completing a state-approved defensive driving course
• Bundling discount: Purchasing two or more policies from the same insurer (e.g., auto and homeowners)
• Low mileage discount: Awarded for driving less than the average number of miles per year. Specific mileage requirements vary by insurer.

State Minimum Liability 

All Dodge Caravan drivers must carry the minimum liability insurance in adherence to state law.

Liability insurance generally comprises two coverages: bodily injury and property damage. A state’s required liability limits are expressed in three numbers, e.g., 25/50/10, which translates to $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident.

Some states have higher liability limits than others. For example, Nevada drivers must carry 25/50/20 coverage, which is $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability per accident.

It is highly recommended that you opt for full over the state minimum liability thanks to its increased benefits, most notably with first-party benefits such as collision and comprehensive.

Many factors influence the premiums drivers will pay.

Three factors that affect premiums include driving record, age/gender, and vehicle make and model.

1. Drivers with a history of claims, speeding tickets, at-fault accidents, DUI convictions, and similar traffic offenses are generally classified as higher risk, so premiums are increased to offset the risk of paying out claims.
2. Expect drivers under 25 to pay significantly higher premiums thanks to higher than average claims activity, riskier driving behavior, and overall lack of driving experience.
3. The type of vehicle greatly influences premiums. Vehicles not equipped with safety features like anti-lock brakes, anti-theft devices, and daytime running lights may see higher premiums. This also applies to vehicles with extensive recall records and higher depreciation rates.