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1990 Dodge Grand Caravan Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 2, 2020

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Average insurance rates for a 1990 Dodge Grand Caravan are $852 a year for full coverage. Comprehensive insurance costs an estimated $126, collision insurance costs $126, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,822 or more. Teenage drivers receive the highest rates at up to $3,526 a year.

Annual premium for full coverage: $852

Rate estimates for 1990 Dodge Grand Caravan Insurance

Comprehensive $126
Collision $126
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1990 Dodge Grand Caravan models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $496 for a discount liability-only rate to the much higher price of $1,822 for high-risk insurance.

Liability Only $496
Full Coverage $852
High Risk $1,822

View Chart as Image

1990 Dodge Grand Caravan insurance rates compared
Column chart showing 1990 Dodge Grand Caravan insurance prices range from $532 to $3,526 for full coverage

These differences show why everyone should compare rates for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1990 Dodge Grand Caravan Insurance

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Shoppers have lots of choices when shopping for low-cost Dodge Grand Caravan insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to make rate comparisons. There is a better way to shop for insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Dodge and locate the lowest price from local insurance agents and online providers.

Smart consumers take time to price shop coverage before your policy renews because rates are constantly changing. Just because you had the best rates on Grand Caravan coverage two years ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance online but we’re going to give you a bunch of ideas how to save money.

Fast and Easy Insurance Coverage Quotes

Reducing your 1990 Dodge Grand Caravan insurance rates doesn’t have to be difficult. You just need to invest a little time comparing rate quotes online with multiple companies. This can be done in a couple of different ways.

One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method keeps you from doing multiple quote forms for each company you want a rate for. Completing one form will return quotes from many national carriers. This is perfect if you don’t have a lot of time.

A more difficult way to get comparison quotes requires visiting each individual company website and fill out their own quote form. For instance, let’s say you want rates from Liberty Mutual, Progressive and State Farm. To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just compare exactly the same information on every quote you get. If your comparisons have differing limits it’s impossible to determine the best price for your Dodge Grand Caravan.

Take discounts and save

Companies do not advertise every discount in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Resident Student – Children who are attending college and do not have a car can be insured at a reduced rate.
  • Safety Course Discount – Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of 20% or more.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break on auto insurance on Grand Caravan coverage.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Grand Caravan coverage with a few auto insurance companies.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Senior Citizens – Older drivers may qualify for a small decrease in premiums on Grand Caravan coverage.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Insurance companies who might offer some of the above discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. All car insurance discounts may not apply in your area.

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Enter your zip code below to view companies that have cheap auto insurance rates.

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Dodge Grand Caravan rates are in the details

Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

The list below includes a partial list of the pieces used by your company to calculate prices.

  • Big city or small town – Being located in a rural area can be a good thing when talking about car insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities have much more traffic to deal with and a longer drive to work. More time commuting can result in more accidents.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men are in accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as DWI and reckless driving.
  • Policy add-ons can waste money – There are a lot of additional coverages you can purchase on your Grand Caravan policy. Coverages for vanishing deductibles, better glass coverage and motor club memberships are examples of these. These coverages may sound good initially, but if you don’t need them eliminate them to save money.
  • Special features that cut premiums – Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • More miles equals more premium – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on their usage. Vehicles not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your car insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Grand Caravan can result in significantly higher rates.
  • Bundling policies can get discounts – Most insurance companies will award you with lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to make sure you are getting the best deal.
  • Do you work long hours in a high stress job? – Occupations like real estate brokers, executives and accountants tend to have higher rates than average because of high stress and lots of time spent at work. On the flip side, occupations like actors, athletes and the unemployed receive lower rates on Grand Caravan coverage.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your situation will benefit from professional help.

  • Is my Dodge Grand Caravan covered if I use it for business?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are rental cars covered under my policy?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my state a no-fault state?
  • What is the minimum liability in my state?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Learn about car insurance coverages for a 1990 Dodge Grand Caravan

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage covers damage to your Grand Caravan caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, ambulance fees, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage will cover damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, loss of income and court costs. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

More effort can pay off

In this article, we presented many tips how you can shop for 1990 Dodge Grand Caravan insurance online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.

Consumers switch companies for a variety of reasons including high prices, delays in paying claims, policy cancellation or high rates after DUI convictions. Whatever your reason, switching companies can be easier than you think.

Discount insurance can be found on the web and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

More detailed auto insurance information is located in the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1990 Dodge Grand Caravan Insurance Rates by City
City Premium
New York City, NY $1,350
Los Angeles, CA $1,458
Philadelphia, PA $1,140
Jacksonville, FL $1,239
Phoenix, AZ $991
Chicago, IL $1,145
Houston, TX $1,336
Seattle, WA $834
Columbus, OH $714
Indianapolis, IN $725

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1990 Dodge Grand Caravan Insurance Rates by Driver Age
Driver Age Premium
16 $3,526
20 $1,940
30 $860
40 $852
50 $784
60 $766

Full coverage, $500 deductibles

Rates by Deductible

1990 Dodge Grand Caravan Insurance Rates with Different Deductibles
Deductible Premium
$100 $960
$250 $912
$500 $852
$1,000 $794

Full coverage, driver age 40

Rates by Liability Limit

Dodge Grand Caravan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $852
50/100 $940
100/300 $1,051
250/500 $1,338
100 CSL $985
300 CSL $1,228
500 CSL $1,405

Full coverage, driver age 40

Rates for High Risk Drivers

1990 Dodge Grand Caravan Insurance Rates for High Risk Drivers
Age Premium
16 $4,934
20 $3,084
30 $1,826
40 $1,822
50 $1,742
60 $1,724

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $110

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $45
Homeowner $16
5-yr Accident Free $47
5-yr Claim Free $52
Paid in Full/EFT $27
Advance Quote $35
Online Quote $56
Total Discounts $320
Rate after discounts $532

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1990 Dodge Grand Caravan Insurance Rates by State
State Premium
Alabama $772
Alaska $654
Arizona $708
Arkansas $852
California $972
Colorado $814
Connecticut $878
Delaware $966
Florida $1,068
Georgia $786
Hawaii $612
Idaho $578
Illinois $636
Indiana $642
Iowa $574
Kansas $812
Kentucky $1,164
Louisiana $1,264
Maine $526
Maryland $704
Massachusetts $684
Michigan $1,482
Minnesota $714
Mississippi $1,022
Missouri $756
Montana $918
Nebraska $674
Nevada $1,022
New Hampshire $614
New Jersey $954
New Mexico $756
New York $900
North Carolina $490
North Dakota $698
Ohio $590
Oklahoma $876
Oregon $782
Pennsylvania $814
Rhode Island $1,138
South Carolina $772
South Dakota $720
Tennessee $748
Texas $1,028
Utah $634
Vermont $584
Virginia $512
Washington $662
West Virginia $782
Wisconsin $590
Wyoming $760

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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