Lower Your 2018 Dodge Grand Caravan Insurance Rates

Want lower car insurance rates for your Dodge Grand Caravan? Did budget coverage turn out to be high-priced car insurance? Say no more because there are a lot of people just like you who feel imprisoned by their car insurance policy.

Insurance companies such as State Farm, GEICO and Farmers Insurance continually bombard you with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Buying car insurance is easy if you know what you’re doing. Nevertheless, car owners need to have an understanding of the way insurance companies market on the web and use this information to your advantage.

Compare quotes for insurance coverage

Many insurance companies give insurance quotes directly from their websites. Doing online price comparisons is pretty easy as you just type in your required coverages into the form. After you complete the form, their rating system requests credit information and your driving record and gives you a price quote. Online price estimates makes it easy to compare insurance prices but having to visit a lot of sites and type in your information is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible in order to get better insurance coverage pricing.

An easier way to lower your insurance coverage bill uses one form that analyzes rates from several different companies. It saves time, eliminates repetitive work, and makes price shopping online much easier. After your information is entered, it is rated with multiple companies and you can pick your choice of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to find out how much you can save on insurance coverage, click here to open in new window and submit the form. If you have your current policy handy, we recommend you copy the insurance coverages exactly as shown on your declarations page. This ensures you are getting a price comparison for similar coverage.

Can you really save if you switch?

Car insurance providers like State Farm, Allstate and GEICO regularly use television, radio, and online ads. They all seem to make an identical promise that drivers will save a bundle if you switch to their company. How does every car insurance company charge you a lower premium? This is how they do it.

All the different companies are able to cherry pick for the type of customer that earns them a profit. An example of this type of insured could possibly be between the ages of 30 and 50, carries high limits, and does not commute to work. A customer that fits those parameters will get very good rates and therefore will cut their rates substantially.

Potential insureds who are not a match for these criteria will probably have to pay more expensive rates which results in business not being written. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save money. That is how insurance companies can confidently advertise the way they do.

This emphasizes why drivers must do a rate comparison at every renewal. Because you never know which company will have the lowest rate quotes.

Insurance discounts help slash rates

The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. Certain reductions will be credited at the time of purchase, but some need to be specifically requested before you get the savings.

  • Telematics Devices – People who choose to allow their company to look at when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Claim-Free Discount – Drivers with accident-free driving histories pay much less as compared to bad drivers.
  • Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.
  • Senior Discount – If you’re over the age of 55, you can get better insurance rates on Grand Caravan coverage.
  • Multi-line Discount – If the company offers life insurance, you could get better prices if you take out auto and life insurance together.
  • Employee of Federal Government – Active or former government employment could provide a small rate reduction on Grand Caravan coverage with certain companies.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get cheaper rates.
  • Save with a New Car – Buying a new car model is cheaper because newer models keep occupants safer.

As is typical with insurance, many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will reduce the premium cost.

If you would like to see a list of insurance companies offering insurance discounts, click here to view.

Which is the best insurance coverage?

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might help in determining if your situation could use an agent’s help.

  • What companies insure drivers after a DUI or DWI?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is extra glass coverage worth it?
  • Is my 2018 Dodge Grand Caravan covered for smoke damage?
  • What is medical payments coverage?
  • What is no-fault insurance?
  • Why do I only qualify for high-risk insurance?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance policy coverages for a Dodge Grand Caravan

Having a good grasp of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages found on most car insurance policies.

Liability car insurance

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as funeral expenses, emergency aid, structural damage, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for dental work, rehabilitation expenses and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

Collision insurance covers damage to your Grand Caravan caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liablity limits.

Get your money’s worth

Some companies may not have online price quotes and most of the time these regional carriers only sell through independent agents. Cost effective 2018 Dodge Grand Caravan insurance can be bought both online as well as from independent agents, so you should compare both so you have a total pricing picture.

We covered a lot of techniques to reduce 2018 Dodge Grand Caravan insurance car insurance rates online. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from an unexpected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

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