1995 Dodge Grand Caravan Insurance Rates
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UPDATED: Dec 8, 2021
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Average insurance rates for a 1995 Dodge Grand Caravan are $852 a year including full coverage. Comprehensive insurance costs around $126 a year, collision insurance costs $126, and liability coverage costs around $442. Buying a liability-only policy costs as low 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 1995 Dodge Grand Caravan Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1995 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 middle-aged driver, prices range range from as low as $496 for only liability insurance to a high of $1,822 for a high risk driver.
These differences highlight why it is important for drivers to compare prices for a specific zip code and risk profile, rather than using 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 1995 Dodge Grand Caravan Insurance
Looking for cheaper auto insurance rates for your Dodge Grand Caravan? Consumers who are new to the process of comparing insurance rates online may find purchasing cut-rate auto insurance is more work than they anticipated.
Choosing the best insurance company for you is not that difficult. In a nutshell, anyone who is required by state law to have insurance coverage should be able to find lower rates. Nevertheless, drivers need to have an understanding of how the larger insurance companies sell online because it can help you find the best coverage.
Compare Quotes for Car Insurance
Comparing car insurance rates can be challenging if you aren’t aware of the most efficient way to do it. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the web to maximize your effort.
Most car insurance companies participate in an industry program that enables customers to enter their coverage request one time, and every company then gives them pricing based on the submitted data. This saves time by eliminating form submissions to each individual car insurance company.
To use this form to compare 1995 Dodge Grand Caravan insurance rates click here to open in new window.
The only drawback to getting quotes like this is you can’t choose the insurers to get quotes from. If you would rather choose individual companies to request quotes from, we have a page of companies who write car insurance in your area. View list of insurance companies.
Which method you use is up to you, but ensure you’re using identical coverage limits on every quote. If you use unequal deductibles or liability limits it will be very difficult to make an equal comparison. Slightly different limits could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes will enable you to find a better price.
Lots of discounts mean lots of savings
Companies don’t always list all available discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using.
- Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Organization Discounts – Being a member of a professional or civic organization may earn a discount when buying insurance coverage on Grand Caravan coverage.
- Government Employees – Being employed by or retired from a federal job can save as much as 8% on Grand Caravan coverage with select insurance companies.
- Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
- Lower Rates for Military – Having a family member in the military could mean lower rates.
- Driver Safety – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.
A partial list of companies that may offer these discounts are:
- 21st Century
- State Farm
Double check with each insurance company which discounts you may be entitled to. Savings might not be offered in every state.
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Situations that might require an agent
When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.
For example, these questions may help you determine whether you might need an agent’s assistance.
- Should I carry comprehensive and collision coverage?
- Am I covered by my spouse’s policy after a separation?
- What is an SR-22 filing?
- Does my liability insurance cover pulling a trailer or camper?
- Is there coverage for injuries to my pets?
- Are my tools covered if they get stolen from my vehicle?
- Will filing a claim cost me more?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.
Car insurance coverage information
Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.
This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things such as hail damage, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Grand Caravan.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like hitting a mailbox, scraping a guard rail, rolling your car, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.
This protects you from damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims like repair costs for stationary objects, bail bonds, pain and suffering and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for chiropractic care, ambulance fees, hospital visits, dental work and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Shop smart and save
When buying insurance coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability coverage limits only to regret that they should have had better coverage. The proper strategy is to get the best coverage possible at an affordable rate.
We just covered many ways to shop for 1995 Dodge Grand Caravan insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a company that doesn’t do a lot of advertising.
Low-cost insurance can be found on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Rollover Crash FAQ (iihs.org)
- Safe Vehicles for Teens (iihs.org)
- Drunk Driving Statistics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,350|
|Los Angeles, CA||$1,458|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$47|
|5-yr Claim Free||$52|
|Paid in Full/EFT||$27|
Discounts are estimated and may not be available from every company or in every state.