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1996 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 1996 Dodge Grand Caravan are $852 a year for full coverage insurance. Comprehensive insurance costs an estimated $126, collision costs $126, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing $1,822 or more. Teenage drivers receive the highest rates at $3,526 a year or more.

Annual premium for full coverage: $852

Rate estimates for 1996 Dodge Grand Caravan Insurance

Comprehensive $126
Collision $126
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1996 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 driver in their 40's, prices range go from as low as $496 for a discount liability-only rate to a much higher rate of $1,822 for a driver who has had serious violations or accidents.

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

View Chart as Image

1996 Dodge Grand Caravan insurance rates compared
Column chart showing 1996 Dodge Grand Caravan insurance prices range from $532 to $3,526 for full coverage

These differences illustrate why anyone shopping for car insurance 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 1996 Dodge Grand Caravan Insurance

Searching Companies

If you’re new to shopping for car insurance online, it’s easy to get overwhelmed by the sheer number of online companies offering insurance.

Consumers should take time to do rate comparisons at least once a year because rates are variable and change quite frequently. Even if you think you had the best deal on Grand Caravan coverage a couple years back a different company probably has better rates today. So just block out anything you think you know about car insurance because you’re going to learn the fastest way to save on car insurance.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. This article will help you learn the best way to quote coverages and some tricks to saving. Although consumers benefit from understanding the methods companies use to sell online and apply this information to your search.

Comprehensive Car Insurance Comparison

The are a couple different ways of comparing price quotes from local car insurance companies. The best method to find the cheapest 1996 Dodge Grand Caravan insurance rates is to get quotes online. This can be done in a couple of different ways.

The easiest and least time consuming way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form keeps you from doing separate quotation requests for each company you want a rate for. One simple form gets rate comparisons from car insurance companies with the best prices. Just one form and you’re done.

A slightly less efficient method to get quotes online requires a trip to each individual company website to request a price quote. For example, let’s say you want rates from State Farm, 21st Century and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same quote information with each company. If you enter different deductibles it’s impossible to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. Just keep in mind that quoting more will improve the odds of getting a better price.

Don’t miss these ten discounts

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Certain discounts will be applied at quote time, but less common discounts must be manually applied in order for you to get them.

  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Sign Online – A few companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge can qualify you for discounted rates on garaged vehicles.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Good Student – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Club Memberships – Belonging to a qualifying organization is a good way to get lower rates when buying auto insurance on Grand Caravan coverage.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.

Drivers should understand that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck. But all discounts will reduce your overall premium however.

A partial list of companies that possibly offer these benefits are:

Check with each company what discounts are available to you. Some discounts may not apply in your state.

Free Auto Insurance Comparison

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

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When might I need help?

When choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether or not you may require specific advice.

  • Do I have newly-aquired coverage?
  • Am I insured when driving a different vehicle?
  • When should I drop full coverage on my 1996 Dodge Grand Caravan?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my state a no-fault state?
  • Which companies will insure high-risk drivers?
  • Do I need roadside assistance coverage?
  • Why am I required to buy high-risk coverage?
  • Can I rent a car in Mexico?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

The coverage is in the details

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hail damage, a broken windshield, damage from flooding and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage pays for damage to your Grand Caravan resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Auto liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as loss of income, legal defense fees, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1996 Dodge Grand Caravan.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like dental work, prosthetic devices, EMT expenses, pain medications and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

One last thing about your coverage

We just showed you a lot of ways to reduce 1996 Dodge Grand Caravan insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from the smaller companies.

Affordable insurance is possible on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

People leave their current company for a variety of reasons including being labeled a high risk driver, delays in paying claims, not issuing a premium refund or denial of a claim. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.

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Rates by U.S. City

1996 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

1996 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

1996 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

1996 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

1996 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

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