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1998 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 1998 Dodge Grand Caravan are $852 a year for full coverage. Comprehensive costs on average $126 each year, collision insurance costs $126, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,822. Teenage drivers receive the highest rates at up to $3,526 a year.

Annual premium for full coverage: $852

Rate estimates for 1998 Dodge Grand Caravan Insurance

Comprehensive $126
Collision $126
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1998 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 range from as low as $496 for only liability insurance to a high 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

1998 Dodge Grand Caravan insurance rates compared
Column chart showing 1998 Dodge Grand Caravan insurance prices range from $532 to $3,526 for full coverage

These differences show why all drivers should compare rates based on a specific location and risk profile, instead of 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 1998 Dodge Grand Caravan Insurance

Searching Companies

Are you tired of being strong-armed to buy car insurance? You’re in the same situation as many other consumers.

Drivers have multiple car insurance companies to choose from, and although it’s nice to have a selection, so many choices can make it hard to get the best deal.

Finding the best rates is quite easy. If you currently have a car insurance policy, you should be able to save some money using this strategy. But vehicle owners can benefit by having an understanding of the way insurance companies determine prices and apply this information to your search.

Automobile Insurance Quotes

All major insurance companies quote insurance quotes on the web. The process is quite easy as you simply type in your coverage preferences into a form. After the form is submitted, their system automatically retrieves information on your driving record and credit history and provides a quote based on these factors. Online quotes helps simplify price comparisons, but having to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to have as many quotes as possible if you want to find the best price possible.

A less time-consuming method to compare rates makes use of a single form that analyzes rates from a lot of companies. This type of form saves time, eliminates form submissions, and makes online quotes much more efficient. After sending the form, it gets priced with multiple companies and you can pick any of the resulting price quotes. If a lower price is quoted, you can click and sign and buy the new coverage. This process takes just a few minutes to complete and you will know how your current rates stack up.

To find out how much you can save on insurance, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the insurance coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will get rate quotes for similar insurance coverage.

Don’t be fooled by advertising claims

Car insurance providers like State Farm, GEICO and Progressive consistently run ads in print and on television. They all say the same thing about savings if you change your policy. But how can every company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of customer they prefer to insure. A good example of a driver they prefer could possibly be between the ages of 40 and 55, has no prior claims, and has great credit. Any new insured that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Potential customers who do not match the “perfect” profile will be charged higher rates which leads to the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much. This is how companies can make those claims. That is why you should get as many comparisons as possible. It’s not possible to predict which insurance companies will give you the biggest savings on Dodge Grand Caravan insurance.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always list all their discounts very well, so the following is a list of some of the more common and also the lesser-known car insurance savings.

  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on Grand Caravan coverage than their less cautious counterparts.
  • Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • Passive Restraints – Factory air bags can get savings of 20% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

Insurance companies who might offer these benefits include:

Before buying, ask every prospective company how you can save money. Some discounts might not apply in every state.

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Insurance agents can help

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out if you will benefit from professional help.

  • Should I get collision insurance on every vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • How much can I save by bundling my policies?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I rent a car in Mexico?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages explained

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Collision coverage

This will pay to fix damage to your Grand Caravan caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Dodge Grand Caravan.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, hitting a bird, damage from flooding and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, repair costs for stationary objects, legal defense fees, medical services and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for prosthetic devices, X-ray expenses, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Final considerations

Discount 1998 Dodge Grand Caravan insurance is attainable online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

We covered some good ideas how you can compare insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small mutual company. Smaller companies can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.

When shopping online for car insurance, it’s very important that you do not buy poor coverage just to save money. In many instances, someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Helpful information

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1998 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

1998 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

1998 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

1998 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

1998 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

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