2018 Dodge Grand Caravan Insurance Rates

Looking for cheaper auto insurance rates for your Dodge Grand Caravan? If you’re new to shopping for insurance coverage quotes online, most likely you are confused by the diversity insurance agents and companies vying for business.

Smart consumers take time to price shop coverage at least once a year because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for Grand Caravan coverage a couple years back you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the only way to remove unneeded coverages and save money.

Which auto insurance is cheapest?

Most larger insurance companies make it easy to get prices online. Comparing rates online is pretty painless as you just type in your required coverages into a form. When the form is submitted, the company’s rating system automatically orders information on your driving record and credit history and returns a price based on the data you entered.

Online price quotes makes it easy to compare insurance prices but having to visit different websites and enter the same data into a form gets old quite quickly. But it’s necessary to get many rate quotes if you want to get lower prices.

Quote rates the easy way

A better way to get multiple rate quotes uses one form to obtain quotes from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. After your information is entered, your coverage is rated with multiple companies and you can pick any of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase coverage. It just takes a couple of minutes and you will find out if you’re overpaying now.

If you want to get comparison pricing now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you complete the form with the insurance coverages as shown on your current policy. This ensures you will receive a fair comparison based on the exact same insurance coverage.

Do you qualify for discounts?

Insurance is not an enjoyable expense, but there’s a good chance there are discounts that may help make it more affordable. Many discounts should be triggered when you get a quote, but some may not be applied and must be specifically requested before you get the savings.

  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
  • Savings for New Vehicles – Insuring a new car can get you a discount because new model year vehicles keep occupants safer.
  • Discount for Low Mileage – Keeping the miles down on your Dodge could earn slightly better premium rates than normal.
  • Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction for Grand Caravan coverage but check with your company.
  • Paperwork-free – A handful of insurance companies will give a small break for buying your policy on your computer.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save up to 15% on medical payment and PIP coverage.
  • Anti-lock Brake System – Cars with ABS braking systems or traction control have fewer accidents and will save you 10% or more.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy with one insurance company you may save up to 20% and get you inexpensive insurance coverage.
  • Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, you won’t be that lucky. But all discounts will definitely lower the cost of coverage.

A few of the larger companies and some of the discounts include:

  • 21st Century discounts include driver training, defensive driver, anti-lock brakes, air bags, 55 and older, teen driver, and theft prevention.
  • State Farm has discounts for defensive driving training, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, good driver, and multiple autos.
  • AAA offers premium reductions for pay-in-full, education and occupation, good student, anti-theft, and multi-policy.
  • Liberty Mutual offers discounts for new move discount, new graduate, teen driver discount, good student, and newly married.
  • Progressive offers discounts including good student, homeowner, online signing, online quote discount, and continuous coverage.

If you are trying to find the cheapest insurance coverage quotes, ask each company or agent which discounts you may be entitled to. A few discounts might not apply in your area. To see a list of providers that offer many of these discounts, click this link.

Lower your insurance rates

Many factors are considered when you quote your car insurance policy. Some are pretty understandable such as traffic violations, although some other factors are less apparent like where you live or your financial responsibility.

The items below are some of the factors insurance companies consider when setting your rates.

  • Premiums can be impacted by your job – Jobs like military generalsair traffic controllers and miners have higher average rates due to high stress levels and long work days. On the flip side, careers such as actors, athletes and retirees generally pay rates lower than average for Grand Caravan coverage.
  • Safety first – Cars with five star safety ratings tend to be cheaper to insure. Safer cars have better occupant injury protection and reduced instances of injuries means lower claim amounts passed on to you as lower rates.
  • Insurance policy lapses increase premiums – Driving without insurance is a big no-no and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • With age comes responsibility – Older drivers are proven to be safer behind the wheel, cause fewer claims and accidents and get fewer tickets.Young drivers are known to get distracted easily behind the wheel so insurance rates are higher.

Don’t assume everyone needs the same auto insurance coverage

When buying proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if you might need professional guidance.

  • What is UM/UIM insurance?
  • What is the rate difference between pleasure use and commuting?
  • Is a blown tire covered by insurance?
  • When would I need additional glass coverage?
  • Should I waive the damage coverage when renting a car?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy full coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance specifics

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, falling objects and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability – This coverage will cover damage or injury you incur to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, attorney fees, medical services, court costs and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Grand Caravan.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – Collision insurance will pay to fix damage to your Grand Caravan caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, surgery, EMT expenses and pain medications. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

In any little way, save everyday

Lower-priced car insurance is definitely available on the web as well as from insurance agents, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. Some companies may not provide the ability to get quotes online and usually these small insurance companies prefer to sell through local independent agencies.

People who switch companies do it for many reasons like questionable increases in premium, high prices, high rates after DUI convictions or unfair underwriting practices. Whatever your reason, switching car insurance companies can be pretty painless.

You just read a lot of techniques to shop for 2018 Dodge Grand Caravan insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a smaller regional carrier.

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