View 2016 Dodge Grand Caravan Car Insurance Quotes

Searching for cheaper insurance rates for your Dodge Grand Caravan? I really doubt anyone fancies paying their premiums for insurance, particularly when the cost is too high. Having so many online and local companies to choose from, it’s difficult to choose the cheapest insurance company.

Consumers need to take a look at other company’s rates every six months because rates are usually higher with each renewal. Even if you got the lowest rate for Grand Caravan coverage a couple years back there may be better deals available now. Ignore everything you know about insurance because it’s time to teach you one of the quickest ways to find lower rates on insurance.

Buying car insurance is easy if you know what you’re doing. If you are insured now or are just looking to switch companies, you can follow these tips to cut your premiums while maximizing coverage. Drivers only need to know the tricks to buy auto insurance over the internet.

How to find low cost car insurance

Comparing car insurance rates can be exhausting if you don’t know the most efficient way to do it. You could waste a few hours talking to local insurance agents in your area, or you can utilize the web to maximize your effort.

Many popular insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each participating company can give them a price. This prevents consumers from doing quotation requests for each company.

To use this form to compare rates click here to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose which insurance companies to get quotes from. So if you want to select specific insurance companies to request quotes from, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you compare the same quote data with each company. If your comparisons have different coverage information it will be very difficult to determine which rate is truly the best.

What impacts Dodge Grand Caravan insurance premiums?

The best way to find cheaper car insurance is to take a look at the factors that aid in calculating your premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that may reward you with better car insurance rates. Lots of factors are part of the calculation when you get a price on insurance. Some are obvious such as your driving record, although some other factors are not quite as obvious like your vehicle usage or your financial responsibility.

The items below are some of the most common factors that factor into prices.

  • What are your coverage deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some instances where coverage would apply are running into the backend of another car, hitting a deer, and rolling your vehicle. The deductibles you choose are the amount of money you are willing to pay if a covered claim is submitted. The more the insured is willing to pay, the bigger discount you will receive for Grand Caravan coverage.
  • Premiums and job – Do you have a high-stress occupation? Jobs such as military personnel, executives and accountants tend to pay higher average rates because of stressful work requirements and lengthy work days. On the flip side, careers such as actors, historians and the unemployed generally pay rates lower than average for Grand Caravan coverage.
  • lapses raise prices – Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay more, not being able to provide proof of insurance may earn you a fine, jail time, or a revoked license.
  • Single vs. married – Having a significant other can get you a discount on your policy. Marriage translates into being more stable financially and statistics prove being married results in fewer claims.
  • Do safer cars cost less to insure? – Vehicles with high crash test scores are cheaper to insure. Safer cars reduce occupant injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy. If the Dodge Grand Caravan earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Filing car insurance claims can cost more – Insurance companies give the lowest premiums to insureds who are claim-free. If you frequently file small claims, you can look forward to higher rates. Insurance coverage is designed for the large, substantial claims.
  • Alarm systems save money – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

Lower your insurance rates with discounts

Some insurance providers do not advertise every policy discount very well, so we researched a few of the more common as well as the least known credits available to bring down your rates.

  • Fewer Miles Equal More Savings – Driving less can earn lower rates on the low mileage vehicles.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • Homeowners Pay Less – Owning your own home or condo may trigger a policy discount on insurance because owning a home is proof that your finances are in order.
  • E-sign Discounts
  • Include Life Insurance and Save – Some insurance companies give a discounted rate on car insurance if you buy a life insurance policy as well.
  • Early Signing – A few companies give discounts for renewing your policy before your current coverage expires. This can save 10% or more.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will definitely lower your policy cost.

If you would like to choose from a list of insurers who offer cheap insurance quotes, follow this link.

You are unique and your insurance should be too

When buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • What is PIP insurance?
  • I don’t drive much so do I pay less?
  • Does car insurance cover theft of personal property?
  • Where can I find high-risk insurance?
  • What are the best liability limits?
  • When can my company non-renew my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is motorclub coverage worth it?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverage specifics

Having a good grasp of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, theft and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 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 is a good idea.

Liability coverage

This provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as structural damage, repair costs for stationary objects, funeral expenses, emergency aid and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like EMT expenses, chiropractic care, nursing services, doctor visits and surgery. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays for damage to your Grand Caravan caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, sideswiping another vehicle, colliding with a tree, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Smart consumers save more

We just showed you many tips how you can shop for 2016 Dodge Grand Caravan insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost car insurance. You may even find the lowest rates are with a lesser-known regional company. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as Geico and State Farm.

Some insurance companies may not have online rate quotes and many times these small, regional companies sell through local independent agents. Budget-friendly insurance coverage can be purchased on the web and also from your neighborhood agents, so you need to compare both in order to have the best price selection to choose from.

As you shop your coverage around, never reduce needed coverages to save money. There are many occasions where an accident victim reduced full coverage to discover at claim time that the savings was not a smart move. Your goal should be to buy enough coverage for the lowest cost.

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