Save on 2015 Dodge Grand Caravan Car Insurance Quotes

Locating better insurance prices for your Dodge Grand Caravan can normally be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find insurance coverage online so you’re going to learn the absolute fastest way to get price quotes on a Dodge and find the lowest possible price from both online companies and local agents.

How to find low cost car insurance

Finding a lower price on 2015 Dodge Grand Caravan insurance isn’t really that difficult. You just need to spend a few minutes comparing rate quotes from different insurance companies. It’s super easy and can be done in just a few minutes using one of these methods.

1. One of the simplest ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This method eliminates the need for separate forms to each individual car insurance company. Taking the time to complete one form gets you price quotes from all major companies. It’s the fastest way to compare.
2. Another way to get comparison quotes is to manually visit the website of each company and go through the quote process again. For examples sake, we’ll pretend you want to get rates from Auto-Owners, State Farm and Farmers. You would be required to spend time going to each site individually to enter your coverage information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

Compare rates however you want, just compare identical deductibles and coverage limits for each price quote. If you enter higher or lower deductibles it will be next to impossible to determine which rate is truly the best.

Beware of misleading insurance coverage ads

Consumers get pounded daily by advertisements that promise big savings for switching from companies such as Progressive, Geico, Allstate and State Farm. They all seem to make the promise that people will save if you switch your insurance coverage coverage to their company.

Is it even possible that every company can save you money? It’s all in the numbers.

Different companies quote their best rates for the type of customer that earns them the most money. For example, a profitable customer might have to be between 30 and 50, carries full coverage, and drives a vehicle with a low ISO rating. Anyone who matches that profile will most likely get cheap prices and therefore will save when switching.

People who are not a match for those criteria must pay higher premiums and ends up with the customer not purchasing. The ads state “customers that switch” not “everyone who quotes” can save as much as they claim. That is how companies can truthfully lure you into getting a quote.

Because of the profiling, it is so important to quote coverage with many companies. Because without a comparison, you cannot know the company that will give you the biggest savings.

Insurance policy discounts you can’t miss

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can dramatically reduce your bill. A few discounts will automatically apply at the time of quoting, but less common discounts must be manually applied prior to receiving the credit.

• ABS and Traction Control Discounts – Cars equipped with ABS or steering control prevent accidents so you can save 10 percent or more.
• Student in College – Kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could get you a discount.
• Senior Citizens – Mature drivers are able to get better insurance rates on Grand Caravan insurance.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• No Charge for an Accident – Not really a discount, but some companies like State Farm and Geico may permit one accident without getting socked with a rate hike so long as you are claim-free before the accident.
• Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
• Multi-policy Discount – If you can combine your auto and homeowners policy with one company you could get a discount of 10% to 20% off each policy.
• Drive Less and Save – Low annual miles may allow you to get lower premium rates due to less chance of an accident.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.

If you would like to view insurers that offer multiple discounts, click this link.

Insurance agents can help

When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions could help you determine if you will benefit from professional help.

• Exactly who is provided coverage by my policy?
• When would I need additional glass coverage?
• Is my ex-spouse still covered by my policy?
• I have a DUI can I still get coverage?
• Will my insurance pay for OEM parts?
• Should I buy more coverage than the required minimum liability coverage?
• Am I covered if hit by an uninsured driver?
• Is a fancy paint job covered?
• Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, falling objects, a broken windshield, rock chips in glass and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like ambulance fees, hospital visits, doctor visits, pain medications and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

This will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, colliding with another moving vehicle, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Saving money is sweet as honey

Cheaper 2015 Dodge Grand Caravan insurance can be sourced both online as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some companies may not offer online price quotes and usually these regional insurance providers prefer to sell through independent insurance agencies.

We just showed you a lot of techniques to shop for 2015 Dodge Grand Caravan insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. Drivers may discover the lowest priced car insurance comes from an unexpected company.

Insureds change insurance companies for a number of reasons such as delays in paying claims, high rates after DUI convictions, denial of a claim and even extreme rates for teen drivers. No matter why you want to switch, finding the right car insurance provider can be easier than you think.

Other resources

• Electronic Stability Control FAQ (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How to Avoid Staged Accidents (State Farm)
• Choosing an Insurance Company (Insurance Information Insitute)