Lower Your 2016 Dodge Grand Caravan Insurance Rates

Frustrated by the number of auto insurance companies in your area? Many other people are as well. You have so many options that it can easily turn into a lot of work to find better premium rates.

Consumers should take time to do price comparisons occasionally because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Grand Caravan insurance a year ago a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because you’re going to learn the right way to remove unneeded coverages and save money.

The easiest way to compare rates utilizes the fact most of the bigger providers have advanced systems to quote your coverage. All consumers are required to do is give them rating details like your credit rating estimate, whether or not you need a SR-22, the make and model of your vehicles, and whether the vehicles are used for commuting. That rating data is then submitted to insurance carriers in your area and they provide comparison quotes with very little delay.

To check car insurance prices now, click here and complete the form.

Find hidden discounts on insurance

Insurance is easily one of your largest bills, but there could be significant discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you get a quote, but less common discounts must be specifically requested before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Discount for Good Grades – Being a good student may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Anti-lock Brake System – Cars with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.
  • Memberships – Joining qualifying clubs or civic groups is a good way to get lower rates when getting a car insurance quote.
  • Onboard Data Collection – People who choose to allow companies to look at their driving habits by using a telematics device such as Progressive’s Snapshot might get better premium rates if they have good driving habits.
  • Claim-Free Discount – Good drivers with no accidents pay less in comparison with drivers who are more careless.
  • Own a Home – Owning a home can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. But any discount will positively reduce your premiums.

A few of the larger companies and a selection of discounts are shown below.

  • State Farm has savings for accident-free, good driver, multiple policy, Steer Clear safe driver discount, and student away at school.
  • GEICO offers premium reductions for emergency military deployment, defensive driver, air bags, anti-theft, five-year accident-free, and daytime running lights.
  • Allstate may have discounts that include 55 and retired, defensive driver, multi-policy, utility vehicle, and anti-theft.
  • SAFECO has discounts for drive less, bundle discounts, anti-lock brakes, homeowner, teen safety rewards, and accident prevention training.
  • Farm Bureau offers discounts for multi-vehicle, multi-policy, renewal discount, youthful driver, 55 and retired, and good student.
  • Progressive discounts include homeowner, good student, multi-vehicle, online signing, continuous coverage, and online quote discount.
  • AAA includes discounts for education and occupation, AAA membership discount, good driver, good student, and multi-policy.

Before buying, ask every prospective company which credits you are entitled to. Savings might not be offered in your area. To see insurers that offer some of these discounts, follow this link.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Does my car insurance cover rental cars?
  • What is covered by UM/UIM coverage?
  • What is high-risk coverage and where do I buy it?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages 101

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, legal defense fees, medical expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision insurance

Collision insurance pays for damage to your Grand Caravan resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Grand Caravan.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverages

This pays for 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 coverage pays for things like a broken windshield, fire damage, damage from a tornado or hurricane, hitting a bird and falling objects. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like ambulance fees, EMT expenses, funeral costs, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible