2017 Dodge Grand Caravan Insurance Cost

Looking for lower auto insurance rates for your Dodge Grand Caravan? Did you come to the realization that you have an overpriced auto insurance policy? It’s quite common and many consumers feel financially strained by their auto insurance policy.

Companies like State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you currently have a car insurance policy, you will be able to save some money using this strategy. Finding the best rates is not rocket science. Nevertheless, vehicle owners must learn the methods companies use to market insurance on the web.

More discounts mean lower-cost premiums

Car insurance companies do not list their entire list of discounts very well, so the below list has both the well known and also the more inconspicuous credits available to you. If you check and find you aren’t receiving every discount available, you are just wasting money.

• Low Miles Discount – Low annual miles may allow you to get substantially lower insurance coveragerates.
• Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks shop car insurance on their website.
• Home Ownership Discount – Being a homeowner can earn you a little savings because of the fact that having a home demonstrates responsibility.
• Auto/Home Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
• Accident Forgiveness – Not really a discount, but companies like Allstate and Progressive will allow you to have one accident before your rates go up as long as you don’t have any claims for a specific time period.
• Passive Restraints and Air Bags – Vehicles equipped with air bags could see savings as much as 30%.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
• Data Collection Discounts – Drivers who agree to allow driving data collection to spy on driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
• Save with More Vehicles Insured – Drivers who insure multiple vehicles on the same insurance coverage policy may reduce the rate for each vehicle.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few popular companies and some of the discounts can be found below.

• Farm Bureau includes discounts for safe driver, multi-vehicle, multi-policy, good student, driver training, and renewal discount.
• MetLife may have discounts that include good driver, claim-free, accident-free, defensive driver, and multi-policy.
• Progressive has discounts for online quote discount, continuous coverage, multi-vehicle, homeowner, and online signing.
• AAA may include discounts for anti-theft, good driver, multi-policy, education and occupation, good student, and pay-in-full.
• American Family offers discounts for multi-vehicle, defensive driver, good driver, Steer into Savings, bundled insurance, good student, and early bird.
• Geico discounts include membership and employees, good student, multi-vehicle, multi-policy, daytime running lights, and five-year accident-free.
• State Farm offers discounts including good driver, accident-free, driver’s education, student away at school, multiple autos, good student, and multiple policy.

When quoting, ask all the companies how many discounts you can get. Some credits might not be available to policyholders in your area.

You can change your insurance prices

The best way to find cheaper insurance is to take a look at some of the factors that are used to determine insurance rates. When consumers understand what determines premiums, this enables informed choices that could result in cheaper rates.

• Five star NHTSA crash test rating saves money – Cars with five star safety ratings are cheaper to insure. Highly rated vehicles have better occupant injury protection and any reduction in injury severity means less claims paid which can result in lower premiums. If your Dodge Grand Caravan is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Premiums are lower the older you get – More experienced drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets.Inexperience drivers are known to be inattentive in a vehicle so they pay higher insurance rates.
• Driving citations can be expensive – Your driving citation history has a huge affect on how much you pay. Just one citation could increase your next policy renewal by as much as thirty percent. Attentive drivers pay less for auto insurance than bad drivers. People who have serious tickets like DWI, reckless driving or hit and run convictions might be required by their state to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.
• Marriage reduces risk – Having a significant other may earn you lower rates on your insurance bill. Having a spouse means you’re more mature and responsible and statistics prove married drivers tend to file fewer claims.
• Put fewer miles on your vehicle – Driving a lot of miles each year the more it will cost to insure it. A lot of companies charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage receive better premium rates than those that get driven frequently. Improper usage on your Grand Caravan may be wasting your money. It’s a good idea to make sure your insurance policy correctly shows annual mileage.

It’s not one size fits all

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if your situation will benefit from professional help.

• Will filing a claim cost me more?
• Am I covered if I drive in a foreign country?
• Does my insurance cover my expensive audio equipment?
• Am I covered when driving a rental car?
• Do I have newly-aquired coverage?
• Can I afford to buy a different vehicle if my 2017 Dodge Grand Caravan is totaled?
• Is my cargo covered for damage or theft?
• Is rental equipment covered for theft or damage?
• Is upholstery damage covered by car insurance?
• How high should deductibles be on a 2017 Dodge Grand Caravan?

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 don’t have a local agent, complete this form or go to this page to view a list of companies.

Do drivers who switch really save?

Popular insurance providers such as Progressive, Allstate and Geico continually stream ads on TV and radio. They all make the point that drivers will save a bundle if you switch your insurance policy to them. How does every company charge you a lower premium?

Insurance companies have a certain “appetite” for the driver that earns them the most money. For example, a profitable risk profile may need to be between the ages of 30 and 45, has a low-risk occupation, and does not commute to work. Any driver that matches those criteria is entitled to the best price and will also cut their rates substantially.

Insureds who may not quite match those standards will probably be forced to pay a higher premium and this results in business not being written. The trick companies use is to say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. This is how companies can advertise the savings.

Because each company has a different risk profile, it is so important to compare as many free car insurance quotes as you can. It’s just too difficult to predict with any certainty which company will give you lower premium rates than your current company.

Insurance policy coverages for a Dodge Grand Caravan

Knowing the specifics of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, fire damage, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability – This will cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, emergency aid, court costs and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your Grand Caravan resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for dental work, hospital visits, chiropractic care and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Be a penny pincher

Some insurance providers do not offer online rate quotes and most of the time these regional insurance providers only sell coverage through independent agents. Cost effective 2017 Dodge Grand Caravan insurance is attainable from both online companies and also from your neighborhood agents, so you should compare both to have the best selection.

You just read some good ideas how to save on 2017 Dodge Grand Caravan insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the best price on insurance coverage is with a small local company. They may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Even more information can be found in these articles:

• Crash Avoidance Technologies FAQ (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Information for Teen Drivers (Geico)
• What if I Can’t Find Coverage? (Insurance Information Insitute)