2006 Dodge Grand Caravan Insurance Rates – 8 Tricks for Best Quotes

Looking for lower car insurance rates for your Dodge Grand Caravan? Are you a victim of high-priced car insurance? Trust us when we tell you many consumers feel financially strained by their car insurance policy. Due to the abundance of insurance companies to choose from, it can be challenging to pick the right insurance company.

It’s smart to compare rates before your next renewal because insurance prices change quite often. Even if you got the best quotes on Grand Caravan insurance a few years ago a different company probably has better rates today. Don’t believe everything you read about car insurance online, but in a few minutes you can learn some great ways to find cheap car insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or are just looking to switch companies, you can use this information to reduce the price you pay and still get good coverage. Vehicle owners just need to know the most efficient way to compare prices over the internet.

The best way we recommend to compare policy rates is to know the fact most insurance companies actually pay money for the chance to give you rate quotes. The one thing you need to do is provide a little information such as if a SR-22 is required, level of coverage desired, how your vehicles are used, and driver details. That rating data is automatically sent to multiple top-rated companies and you should receive rate quotes immediately.

Save $435 a year! What?

Consumers get pounded daily by advertisements for cheaper insurance by companies like Geico, State Farm and Progressive. They all seem to state the claim that people will save if you switch your coverage.

That’s great but how can every company offer you a better deal? This is how they do it.

Most companies have specific criteria for a prospective insured that will most likely be profitable. One example of this type of insured may need to be a married female, owns a home, and drives less than 7,500 miles a year. Any customer that hits that “sweet spot” gets the lowest premium rates and will also save if they switch.

Insureds who do not match these standards will be quoted higher prices which leads to the customer not purchasing. The ads state “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s why companies can truthfully make it sound like they have such great rates. Different companies use different criteria so drivers must compare rate quotes every year. It is impossible to guess which insurance company will provide the lowest prices.

Lower rate quotes by taking advantage of these eight discounts

Insurance coverage is not inexpensive, but there are discounts available that many consumers don’t even know exist. Some discounts apply automatically at the time of quoting, but some discounts are required to be manually applied prior to receiving the credit. If you do not double check each discount available, it’s possible you qualify for a lower rate.

  • Paperwork-free – A few companies will give a small break get insurance digitally online.
  • Onboard Data Collection – Insureds who allow companies to look at driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
  • Safety Course Discount – Successfully completing a defensive driving course could earn you a small percentage discount and easily pay for the cost of the class.
  • Clubs and Organizations – Belonging to a civic or occupational organization can get you a small discount on your next renewal.
  • Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.
  • Auto/Life Discount – Insurance coverage companies who offer life insurance give a break if you buy auto and life insurance together.
  • Distant College Student Discount – who attend college more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.

Drivers should understand that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will reduce your policy premium.

Large insurance coverage companies and their offered discounts can be read below.

  • Farm Bureau policyholders can earn discounts including 55 and retired, multi-vehicle, multi-policy, good student, youthful driver, driver training, and safe driver.
  • State Farm may offer discounts for Steer Clear safe driver discount, defensive driving training, student away at school, multiple autos, passive restraint, anti-theft, and multiple policy.
  • Progressive offers premium reductions for multi-policy, multi-vehicle, online quote discount, continuous coverage, good student, online signing, and homeowner.
  • Allstate may have discounts that include good payer, teenSMART discount, eSmart discount, senior citizen, 55 and retired, economy car, and auto/life discount.
  • Nationwide offers discounts including accident-free, easy pay, Farm Bureau membership, multi-policy, good student, defensive driving, and business or organization.
  • MetLife may include discounts for accident-free, defensive driver, claim-free, multi-policy, good student, and good driver.

When getting free insurance quotes, it’s a good idea to each company what discounts are available to you. Depending on the company, some discounts may not apply to policyholders everywhere.

How much auto insurance do I need?

When it comes to choosing coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I waive the damage coverage when renting a car?
  • Exactly who is provided coverage by my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • When can my company non-renew my policy?
  • Is my state a no-fault state?
  • How much underlying liability do I need for an umbrella policy?
  • Is upholstery damage covered by car insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Auto insurance coverage options for a Dodge Grand Caravan

Learning about specific coverages of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, hail damage, falling objects and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses such as nursing services, prosthetic devices, X-ray expenses and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, pain and suffering, legal defense fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Feed the piggy bank

Cheaper auto insurance can be bought online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not offer internet price quotes and many times these smaller providers prefer to sell through independent agents.

You just read many ways to save on 2006 Dodge Grand Caravan insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest car insurance rates are with a small mutual company. These companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.

More detailed auto insurance information can be read at these sites: