2014 Dodge Grand Caravan Insurance Quotes

Searching for lower insurance rates? Consumers have a choice when looking for the lowest priced Dodge Grand Caravan insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to get rate quotes. There are more efficient ways to compare insurance rates so you’re going to learn the best way to compare rates for a Dodge and find the lowest possible price from both online companies and local agents.

Finding affordable coverage is quite easy. If you have car insurance now, you will most likely be able to save some money using these techniques. Vehicle owners just need to understand the best way to compare prices on the web.

More discounts mean cheaper premiums

Insurance coverage can be pricey, but there could be available discounts that can drop the cost substantially. Certain reductions will be credited at the time of purchase, but some discounts are required to be asked about prior to receiving the credit. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Sign Early and Save – A few insurance coverage companies allow discounts for buying a policy before your current expiration date. Ten percent is about the average savings.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up could save 15% on medical payment and PIP coverage.
• Student in College – Any of your kids who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
• Bundled Policy Discount – When you have multiple policies with one insurance company you could save as much as 10 to 15 percent.
• Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
• Air Bags and Passive Restraints – Cars that have air bags can get savings of 25 to 30%.
• Government Employee Discount – Federal government employees can earn a discount up to 10% on Grand Caravan coverage with select insurance companies.
• Driver Training Discounts – Participating in a course in defensive driver may get you a small discount if you qualify.
• Senior Citizen Discount – If you qualify as a senior citizen, you may receive a slight reduction on a car insurance quote on Grand Caravan coverage.
• Discounts for New Vehicles – Buying a new car model can save up to 30% since new model year vehicles are generally safer.

While discounts sound great, it’s important to understand that most credits do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you could get a free insurance coverage policy, it’s just not the way it works.

To locate insurers that can offer you the previously mentioned discounts, click this link.

Informed consumers know how to find car insurance more affordably

A large part of saving on car insurance is knowing a few of the rating criteria that aid in calculating the price you pay for car insurance. If you have some idea of what determines base rates, this enables you to make decisions that can earn you lower car insurance prices.

The list below includes some of the things that factor into prices.

• No policy lapses saves money – Having a lapse in insurance coverage will be a guaranteed way to pay more for car insurance. Not only will rates go up, the inability to provide proof of insurance will get you fines or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Your address can impact price – Choosing to live in a small town is a positive aspect when trying to find low car insurance rates. Drivers who live in large cities tend to have traffic congestion and a longer drive to work. Less people means reduced accidents and a lower car theft rate.
• Women tend to take less risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men get in fender benders at a similar rate, but guys cause more damage. They also receive more costly citations such as DWI and reckless driving.
• Annual mileage and car insurance rates – The more miles you rack up on your Dodge every year the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates than vehicles that have high annual mileage. It’s a good idea to make sure your car insurance declarations sheet is rated on the right rating data, because it can save money. Having the wrong rating on your Grand Caravan may be wasting your money.
• Does your job raise your rates? – Did you know your occupation can influence how much you pay for car insurance? Careers like judges, business owners and financial analysts generally pay the highest average rates due to intense work situations and lots of time spent away from family. On the other hand, jobs like scientists, engineers and performers pay the least on Grand Caravan coverage.

It’s not one size fits all

When choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions might point out if your insurance needs may require specific advice.

• How can I find cheaper teen driver insurance?
• Should I have combined single limit or split liability limits?
• Do I need higher collision deductibles?
• Is rental equipment covered for theft or damage?
• Is motorclub coverage worth it?
• Will my rates increase for filing one claim?
• What is the rate difference between pleasure use and commuting?
• Do I need rental car coverage?
• Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those 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. It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about insurance coverages for a Dodge Grand Caravan

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverage protection

This pays for damage to your Grand Caravan caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, crashing into a ditch, scraping a guard rail, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Grand Caravan.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

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. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses like funeral costs, nursing services, dental work, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as 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

Feed the piggy bank

Consumers who switch companies do it for many reasons like not issuing a premium refund, policy non-renewal, lack of trust in their agent or even unfair underwriting practices. Regardless of your reason, finding a great new company can be easy and end up saving you some money.

When shopping online for insurance, don’t be tempted to reduce needed coverages to save money. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

Cheaper insurance is possible online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not offer the ability to get quotes online and these smaller companies prefer to sell through independent agents.

For more information, link through to the resources below:

• Neck Injury FAQ (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)