2012 Dodge Grand Caravan Car Insurance Cost – 8 Tricks for Best Prices

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, that’s just not realistic.

Companies and some of the premium reductions they offer can be read below.

• Progressive policyholders can earn discounts including multi-policy, homeowner, multi-vehicle, online signing, and continuous coverage.
• Farmers Insurance has discounts for homeowner, good student, alternative fuel, teen driver, multi-car, and early shopping.
• Farm Bureau may have discounts that include multi-vehicle, good student, safe driver, 55 and retired, youthful driver, and driver training.
• State Farm offers premium reductions for Drive Safe & Save, defensive driving training, good student, passive restraint, and Steer Clear safe driver discount.
• Geico may include discounts for membership and employees, emergency military deployment, driver training, multi-vehicle, multi-policy, federal employee, and anti-theft.
• SAFECO offers discounts including drive less, anti-theft, teen safety rewards, teen safe driver, and accident prevention training.
• Liberty Mutual offers discounts for newly married, preferred payment discount, teen driver discount, hybrid vehicle, new move discount, and newly retired.

When quoting, ask each company which discounts can lower your rates. A few discounts may not be offered in your area. To see companies who offer auto insurance discounts, click here to view.

Affordable insurance coverage

Effectively comparing insurance coverage prices can take hours if you don’t utilize the most efficient way to do it. You can waste hours talking about coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Most of the best insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and every company provides a quote based on that data. This saves time by eliminating quote requests to every company.

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

The one disadvantage to getting quotes like this is that consumers can’t choose the providers you will receive quotes from. If you wish to select specific providers to compare prices, we put together a list of companies who write insurance coverage in your area. Click here to view list.

It’s up to you which method you use, but be sure to compare nearly identical coverages and limits on every quote. If you have higher or lower deductibles you will not be able to make a fair comparison for your Dodge Grand Caravan. Slightly different insurance coverages or limits could mean much higher rates. And when price shopping your coverage, comparing more rates from different companies provides better odds of finding better pricing.

Situations that may require an agent’s advice

When it comes to choosing coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight whether your personal situation will benefit from professional help.

• When would I need additional glass coverage?
• Should I have combined single limit or split liability limits?
• Should I rate my 2012 Dodge Grand Caravan as pleasure use or commute?
• Does coverage extend to my business vehicle?
• Is my dog or cat covered if injured in an accident?
• What are the best liability limits?
• Should I buy full coverage?
• Do I need rental car coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage basics

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as hospital visits, surgery, chiropractic care and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2012 Dodge Grand Caravan.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, repair bills for other people’s vehicles, attorney fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from flooding and hitting a deer. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

What is YOUR best insurance company?

Throughout this article, we presented quite a bit of information on how to get a better price on 2012 Dodge Grand Caravan insurance. The key thing to remember is the more quotes you get, the higher your chance of finding cheap insurance. Consumers could even find that the most savings is with a small mutual company.

When searching for the cheapest insurance quotes, it’s not a good idea to skimp on coverage in order to save money. In too many instances, someone sacrificed physical damage coverage only to find out that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Lower-priced 2012 Dodge Grand Caravan insurance is attainable from both online companies and also from your neighborhood agents, so get free insurance quotes from both of them to have the best rate selection. There are still a few companies who don’t offer rate quotes online and these small insurance companies only sell through independent insurance agents.

To read more, feel free to visit the following helpful articles:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Who Has the Cheapest Auto Insurance for a Dodge Grand Caravan in Sacramento? (InsureSacramento.com)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Determing Auto Insurance Rates (Geico)