2009 Dodge Grand Caravan Insurance Rates

Trying to find cheaper insurance coverage rates for your Dodge Grand Caravan? Nobody is fond of buying insurance coverage, in particular when they could lower their rates if they shopped around. Vehicle owners have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, so many choices can make it hard to get the best deal.

Buying car insurance is not rocket science. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Drivers only need to know the proper way to compare rates on the web.

Get affordable auto insurance with discounts

Some providers don’t always publicize every policy discount in an easy-to-find place, so we took the time to find some of the more common and the more hidden discounts that you may qualify for.

• One Accident Forgiven – This one is not really a discount per se, but some insurance companies permit an accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
• Switch and Save Discount – A few insurance companies allow discounts for switching policies before your current policy expires. It could save around 10% when you buy insurance coverage online.
• ABS and Traction Control Discounts – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Buy New and Save – Putting auto insurance coverage on a new car can save up to 30% since newer models are generally safer.
• Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates on Grand Caravan insurance.
• Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less on Grand Caravan insurance compared to rates paid by drivers with frequent claims.
• Multiple Cars – Purchasing coverage when you have primary and secondary vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
• Paperless Signup – Certain auto insurance companies give back up to $50 for signing up on your computer.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way. But all discounts will definitely lower the cost of coverage.

A list of companies and a partial list of their discounts can be read below.

• Farmers Insurance has discounts for teen driver, business and professional, switch companies, homeowner, and bundle discounts.
• Esurance discounts include online quote, multi-car, paid-in-full, defensive driver, Pac-12 alumni, and anti-theft.
• State Farm offers discounts for Drive Safe & Save, accident-free, safe vehicle, multiple autos, defensive driving training, and driver’s education.
• Geico may offer discounts for good student, membership and employees, military active duty, daytime running lights, and multi-policy.
• Allstate offers premium reductions for good student, multi-policy, teenSMART discount, premier discount, safe driver, defensive driver, and senior citizen.

Double check with every prospective company to give you their best rates. Some discounts may not apply to policyholders in every state. To view auto insurance companies that offer the discounts shown above, click here.

Compare quotes for insurance

There are multiple methods you can shop for insurance but some are more efficient than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to maximize your effort.

Many companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company provides a quote for coverage. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you can save on insurance click here (opens in new window).

The only drawback to using this type of system is you are unable to specify which providers to get quotes from. So if you prefer to choose specific providers to request quotes from, we put together a list of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, do your best to use apples-to-apples coverage information on every price quote you get. If you are comparing unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might point out whether your personal situation could use an agent’s help.

• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need to file an SR-22 for a DUI in my state?
• Should I drop comprehensive coverage on older vehicles?
• Why do I need rental car insurance?
• Does my policy pay for OEM or aftermarket parts?
• Do I benefit by insuring my home with the same company?
• Do I have coverage if my license is suspended?
• Are there companies who specialize in insuring high-risk drivers?
• Why does it cost so much to insure a teen driver?
• Am I covered when driving a rental car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Coverages available on your auto insurance policy

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Auto collision coverage

Collision insurance covers damage to your Grand Caravan caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a building, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as legal defense fees, medical services, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, falling objects, a tree branch falling on your vehicle, hitting a deer and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, prosthetic devices, funeral costs and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

A tidy conclusion

Cheaper auto insurance can be bought both online as well as from independent agents, so you need to shop insurance coverage with both to get a complete price analysis. There are still a few companies who do not offer online quoting and most of the time these regional insurance providers provide coverage only through independent insurance agents.

We just presented many tips how you can reduce 2009 Dodge Grand Caravan insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheap insurance coverage. You may even find the lowest priced auto insurance comes from a smaller regional carrier. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

When searching for the cheapest insurance coverage quotes, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced full coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

Even more information is available by following these links:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• Who Has Cheap Car Insurance Rates for a Dodge Grand Caravan in Nashville? (NashvilleInsure.com)
• Child Safety Seats (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Rental Reimbursement Coverage (Allstate)