2014 Dodge Grand Caravan Insurance Rates

Want cheaper insurance rates for your Dodge Grand Caravan? If online insurance comparisons are new to you, you can be overwhelmed by the large number of insurance companies vying for business.

How to Get Car Insurance Comparison Quotes

There are several ways to shop for Dodge Grand Caravan car insurance, and some are less time-consuming than others. You can waste a few hours (or days) driving to agents in your area, or you could use the web to quickly compare rates.

Many popular insurance companies take part in a program that enables customers to submit one quote, and each company returns a rated price based on the submitted data. This saves time by eliminating form submissions to every company.

To participate in this free quote system, click here to open in new window.

The single downside to pricing coverage this way is you are unable to specify the companies to receive prices from. So if you want to select specific providers to compare prices, we have a page of companies who write car insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverages and limits on every quote. If you use mixed coverages it’s impossible to find the best deal for your Dodge Grand Caravan. Just a small difference in insurance coverages can result in a big premium difference. And when price shopping your coverage, comparing more company’s prices helps locate lower pricing.

Pieces of the Dodge Grand Caravan insurance rate puzzle

Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes some of the factors that factor into your rates.

  • Do you have a high stress job? – Occupations such as real estate brokers, social workers and dentists have the highest average rates attributed to stressful work requirements and lengthy work days. Other occupations such as pilots, historians and the unemployed get better rates on Grand Caravan insurance.
  • Save money with special equipment – Driving a car with an alarm system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Do you need those extra coverages? – There are many add-on coverages that can waste your money on your car insurance policy. Things like roadside assistance, accident forgiveness and membership fees may be wasting your money. These coverages may sound good initially, but your needs may have changed so remove them from your policy.
  • Poor credit can mean higher rates – Having a bad credit rating is a huge factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit ratings. So if your credit score can use some improvement, you could potentially save money when insuring your 2014 Dodge Grand Caravan by spending a little time repairing your credit.
  • Bump up deductibles to save – Physical damage deductibles represent how much money you are required to spend before your car insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The higher the amount the insured has to pay upfront, the lower your rates will be on Grand Caravan insurance.
  • Pleasure use saves money – Driving more miles each year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your car insurance coverage is showing the proper vehicle usage, because it can save money. Incorrect usage on your Grand Caravan can cost quite a bit.
  • Men fork out a little more – Statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets such as reckless driving.

Get lower rates on 2014 Dodge Grand Caravan insurance

Companies that sell car insurance do not advertise all their discounts very well, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Grand Caravan insurance with select insurance companies.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Grand Caravan insurance than drivers with accident claims.
  • Save over 55 – If you’re over the age of 55, you may qualify for reduced rates on Grand Caravan insurance.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that may offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts might not be offered everywhere.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if you might need an agent’s assistance.

  • How can I find cheaper teen driver insurance?
  • What is high-risk coverage and where do I buy it?
  • Is my babysitter covered when using my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is an SR-22 filing?
  • Does my insurance cover my expensive audio equipment?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I hit a deer?
  • When should I remove comp and collision on my 2014 Dodge Grand Caravan?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage basics

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

Collision insurance will pay to fix damage to your Grand Caravan resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail, backing into a parked car, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like loss of income, attorney fees and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages

This coverage pays for 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 things such as damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass and hitting a bird. The most 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 it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, surgery, EMT expenses and funeral costs. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2014 Dodge Grand Caravan.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

One last thing

Drivers switch companies for many reasons like an unsatisfactory settlement offer, high prices, not issuing a premium refund and even questionable increases in premium. Whatever your reason, finding the right auto insurance provider can be pretty painless.

You just learned a lot of information how to save on 2014 Dodge Grand Caravan insurance. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even find the best prices are with a company that doesn’t do a lot of advertising.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

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