2013 Dodge Grand Caravan Car Insurance Quotes

Trying to find low-cost insurance for a Dodge Grand Caravan could be difficult, but you can learn the following methods to make it easier. There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to compare rates on a Dodge and obtain the lowest price from both online companies and local agents.

If you have a policy now or need new coverage, you can use these tips to find the best rates and still get good coverage. Pricing affordable auto insurance coverage is easy if you know what you’re doing. Drivers just need to know the most efficient way to buy auto insurance over the internet.

Four factors that determine insurance premiums

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your insurance coverage rates. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower rates. Lots of things are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, although some other factors are less apparent such as your credit history or how safe your car is.

  • Liability claims can be big – Liability insurance provides coverage if you are found to be at fault for personal injury or accident damage. It will provide for a legal defense to attempt to prove you were not liable. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Continuous insurance coverage coverage lowers rates – Not maintaining insurance is not a good idea and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, the inability to provide proof of insurance might get you a steep fine or even jail time. You may then have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • How many coverages with the same company – Most major companies allow better rates to insureds that purchase more than one policy in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you already get this discount, you still need to comparison shop to verify if the discount is saving money.
  • When should you not file a insurance claims? – Companies provide lower rates to people that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Discounts to earn affordable insurance rates

Some insurers don’t list all disounts very well, so the following is a list of both well-publicized as well as the least known ways to save on insurance. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • E-sign Discounts</strong – Some of the larger companies will provide an incentive for signing up on the internet.
  • Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% on Grand Caravan insurance than less cautious drivers.
  • Multi-line Discount – Insurance companies who offer life insurance give a break if you buy auto and life insurance together.
  • Sign Early and Save – Select insurance companies give a discount for switching policies before your current policy expires. This can save 10% or more.
  • Government Employee Discount – Active or former government employment can save as much as 8% on Grand Caravan insurance but check with your company.
  • Smart Student Discounts – Performing well in school may save as much as 25% on a insurance coverage quote. Most companies allow this discount well after school through age 25.
  • Driver Safety – Taking part in a course teaching driver safety skills could possibly earn you a 5% discount depending on where you live.
  • Data Collection Discounts – People who choose to allow their insurance company to study their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if their driving habits are good.
  • Bundled Policy Discount – If you have multiple policies with the same company you may save over 10 percent off each policy depending on the company.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will definitely lower the premium cost.

A list of companies and the discounts they provide are:

  • Travelers includes discounts for multi-policy, new car, good student, save driver, and driver training.
  • 21st Century offers discounts for early bird, homeowners, anti-lock brakes, 55 and older, teen driver, and good student.
  • State Farm has savings for accident-free, good student, defensive driving training, passive restraint, anti-theft, and student away at school.
  • Geico may have discounts that include multi-policy, multi-vehicle, military active duty, air bags, anti-theft, and good student.
  • SAFECO offers premium reductions for accident prevention training, anti-lock brakes, anti-theft, multi-car, teen safe driver, and safe driver.
  • AAA has discounts for pay-in-full, good driver, multi-policy, education and occupation, multi-car, and good student.

When quoting, ask every company to apply every possible discount. Savings might not apply in your state. To see a list of providers with the best discounts, follow this link.

Insurance savings promises

Consumers can’t avoid all the ads that claim the best premium rates by companies like State Farm, Geico and Progressive. All the ads try to convey promises that drivers can save some big amount just by switching your coverage to them.

How does every insurance company say the same thing? It’s all in the words they use.

Companies give the cheapest rates for the type of insured that is profitable for them. One example of a profitable insured could possibly be between 25 and 40, is a homeowner, and the vehicle is rated for pleasure use. A driver who matches that profile will probably get the lowest rates and most likely will save quite a bit of money when switching.

Drivers who cannot meet the “perfect” profile will be quoted higher premium rates which leads to the customer not purchasing. If you pay attention, the ads say “drivers who switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently claim big savings. That is why drivers must compare many company’s prices. It’s not possible to predict which insurance company will have the lowest premium rates for your situation.

Tailor your car insurance coverage to you

When it comes to buying coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Does my car insurance cover rental cars?
  • Does liability extend to a camper or trailer?
  • What can I do if my company denied a claim?
  • What happens if I owe more than my 2013 Dodge Grand Caravan is worth?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my cargo covered for damage or theft?
  • Who is covered when they drive my 2013 Dodge Grand Caravan?
  • Do all my vehicles need collision coverage?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage options for a 2013 Dodge Grand Caravan

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills for prosthetic devices, nursing services, funeral costs and hospital visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage protects you from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, medical services, repair costs for stationary objects and medical expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your 2013 Dodge Grand Caravan.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage – This will pay to fix damage to your Grand Caravan caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, crashing into a building, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, vandalism, hitting a bird, hitting a deer and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage on a shoestring budget

Consumers change insurance companies for any number of reasons including denial of a claim, being labeled a high risk driver, poor customer service or delays in paying claims. It doesn’t matter why you want to switch finding the right insurance coverage provider is not as difficult as it may seem.

Low-cost 2013 Dodge Grand Caravan insurance can be bought online and from local agencies, and you need to price shop both to have the best selection. Some insurance providers do not provide rate quotes online and these regional insurance providers work with independent insurance agents.

We covered a lot of techniques to save on 2013 Dodge Grand Caravan insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the lowest priced insurance coverage comes from a lesser-known regional company.

Additional insurance coverage information is available below:

Comments About 2013 Dodge Grand Caravan Insurance

  1. Numbers Quinn

    Where is cheaper car insurance? I’m in Tacoma, WA. Quoted quotes with Progressive, GMAC, and Eastwood for my Dodge and I think I saved about $70 each month. Moved home policy as well.

  2. Ahmad Owen

    Great site. I’m in Jackson, MS. Don’t remember every company but I ended up saving about $60 each month. Left Hartford to switch. Even increased coverage a bit.

  3. Dominic Valencia

    From New Orleans, LA. Quoted prices online for a 2013 Dodge Grand Caravan. Ended up at about $450 savings annually. Went with State Farm. Was with USAA. Still almost need a second mortgage.

  4. Kate Pate

    Not sure if this is cheap. Proud to be from Cleveland, OH. Received prices from Amica, Safeco, and a few others for my Grand Caravan and am saving around $500 a year. God forbid I actually have a claim.

  5. Donn Massey

    Located in Salem, Oregon. Got quotes from 21st Century, Hartford, and Encompass for my Dodge and I’m now saving $43 a month. Have an at-fault accident tho.

  6. Nelson Rivers

    Live in the western part of Boston, MA. Got car insurance prices from AAA, Erie, and Sentry for my Grand Caravan and I’m now saving $49 a month. Left Eastwood to switch. A clean driving record helps.

  7. Patria Ewing

    I’m in the south part of Warwick, RI. Got car insurance prices from Progressive, Esurance, and Liberty Mutual for my Grand Caravan and saved just over $380 a year. Was with Amica. Have a couple speeding tickets too.

  8. Steve Buckley

    I compared a lot of rate quotes for a 2013 Dodge Grand Caravan in Paterson, NJ. Ended up at roughly $400 every six months with AIG Insurance. Was with Allstate. Hardly afford to drive anymore.

  9. Nydia Landry

    If you’re a decent driver and are close to Las Vegas, NV, check out 21st Century. They seem to be cheaper. BTW speeding tickets are not good. They have free quotes online.

  10. Suk Wise

    From northwest of South Burlington, Vermont. Went online for free insurance quotes for a 2013 Dodge Grand Caravan. Ended up at about $510 savings annually. Went with Allstate. Ask about discounts.

  11. Shanda Morales

    Good site, thanks. Quoted with GMAC for my 2013 Dodge Grand Caravan and saved around $550 a year.

  12. Denna Rasmussen

    I got quite a few price quotes for a 2013 Dodge Grand Caravan in Hilo, Hawaii. Ended up at about $470 every six months with AIG Insurance. I think they have home insurance too. I just quoted rates online.