2010 Dodge Grand Caravan Insurance Rates – 6 Savings Tips

Shoppers have lots of choices when shopping for affordable Dodge Grand Caravan insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to compare rates.

There are both good and bad ways to find insurance coverage online and we’ll show you the quickest way to get price quotes on a Dodge and locate the lowest price either online or from local insurance agents.

The purpose of this post is to let you in on the most effective way to quote insurance and some tips to save money. If you have car insurance now, you stand a good chance to be able to save some money using these tips. Drivers only need to know the most efficient way to compare prices online.

The fastest way that we advise to compare insurance rates from multiple companies is to take advantage of the fact almost all companies participate in online systems to compare rate quotes. The one thing you need to do is give the companies some data like whether your vehicle is owned or leased, your education level, which vehicles you own, and your general credit rating. The data gets transmitted to multiple companies and they return quotes very quickly.

You may qualify for discounts

Companies that sell car insurance don’t list every policy discount very clearly, so the next list breaks down both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy insurance online.

  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn discounted premium rates on garaged vehicles.
  • College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • Save over 55 – If you’re over the age of 55, you may qualify for lower premium rates for Grand Caravan insurance.
  • Cautious Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for Grand Caravan insurance as compared to drivers with claims.
  • Discounts for Federal Employees – Employees or retirees of the government may qualify for a discount when you quote insurance for Grand Caravan insurance but check with your company.
  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.

Please keep in mind that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic. Any qualifying discounts should help reduce your policy cost.

Popular auto insurance companies and a summarized list of policyholder discounts can be read below.

  • Geico may offer discounts for emergency military deployment, daytime running lights, membership and employees, federal employee, military active duty, and defensive driver.
  • MetLife offers discounts including defensive driver, good student, multi-policy, good driver, and accident-free.
  • State Farm has discounts for passive restraint, safe vehicle, good driver, multiple autos, and accident-free.
  • Progressive includes discounts for online signing, multi-vehicle, good student, online quote discount, multi-policy, continuous coverage, and homeowner.
  • Mercury Insurance may include discounts for good driver, accident-free, anti-theft, low natural disaster claims, annual mileage, and professional/association.
  • 21st Century discounts include theft prevention, good student, driver training, student driver, air bags, early bird, and teen driver.
  • Allstate policyholders can earn discounts including anti-theft, good payer, farm vehicle, EZ pay plan discount, FullPay discount, passive restraint, and premier discount.

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. A few discounts might not apply in your area. To see providers with significant discounts, click this link.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I buy only the required minimum liability coverage?
  • If I drive on a suspended license am I covered?
  • Does my policy cover my teen driver if they drive my company car?
  • How much can I save by bundling my policies?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Switch companies and save? Really?

Drivers can’t escape the ads that claim the best prices by companies like 21st Century, Allstate and State Farm. All the ads say the same thing about savings if you change your policy.

How does every company charge less that you’re paying now? This is the trick they use.

Most companies have a preferred profile for the right customer that earns them a profit. For instance, a profitable risk profile may need to be over the age of 35, has no prior claims, and drives less than 7,500 miles a year. Any customer who matches that profile receive the lowest rate quotes and will probably save a lot if they switch.

Drivers who do not match the ideal profile will be charged a more expensive rate which translates to the customer not purchasing. The wording the ads use say “customers that switch” but not “all drivers who get quotes” save money. That’s the way companies can make the claims of big savings.

This illustrates why drivers should compare quotes as often as possible. Because you cannot predict which insurance companies will have the best car insurance rates at this point in time.

Car insurance 101

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision coverage will pay to fix damage to your Grand Caravan resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, damaging your car on a curb, hitting a mailbox, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like chiropractic care, surgery, rehabilitation expenses, hospital visits and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hitting a bird, a broken windshield and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

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 liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, 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 limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, medical expenses, court costs, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Grand Caravan.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Be a smart shopper

When trying to cut insurance costs, never reduce coverage to reduce premium. There are too many instances where an accident victim reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.

People change insurance companies for any number of reasons including delays in responding to claim requests, high prices, denial of a claim or poor customer service. Regardless of your reason, finding a great new company can be pretty painless.

Affordable 2010 Dodge Grand Caravan insurance is available both online in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some insurance coverage companies may not provide the ability to get quotes online and usually these small, regional companies work with independent agents.

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