2013 Dodge Grand Caravan Insurance Quotes

Did a good deal turn into an overpriced insurance policy? It’s a common feeling and many drivers feel the same as you. Many insurers compete for your insurance dollar, so it’s not easy to compare every insurance company to get the lowest price

You need to quote other rates at least once a year because insurance rates trend upward over time. If you had the best rate on Grand Caravan coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to find out the right way to find the best coverage while lowering your premiums.

Cheap insurance coverage rates with discounts

Insuring your fleet can be pricey, but you might find some hidden discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked for prior to getting the savings.

  • Senior Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% on Grand Caravan coverage.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
  • Auto/Home Discount – If you can combine your homeowners and auto policy with one insurance company you could earn a discount of approximately 10% to 15%.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Early Signing – Some companies give discounts for switching companies prior to your current policy expiring. The savings is around 10%.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
  • Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease on Grand Caravan coverage depending on your insurance coverage provider.
  • Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote when compared to drivers who are more careless.
  • Air Bags and Passive Restraints – Vehicles with factory air bags could see savings as much as 30%.

Remember that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

A few of the larger companies and a summarized list of policyholder discounts are:

  • Farm Bureau discounts include good student, 55 and retired, youthful driver, safe driver, multi-vehicle, and driver training.
  • Liberty Mutual may have discounts that include hybrid vehicle, preferred payment discount, new move discount, new vehicle discount, and newly married.
  • State Farm has discounts for multiple autos, Drive Safe & Save, defensive driving training, student away at school, and anti-theft.
  • Auto-Owners Insurance offers discounts including paid in full, student away at school, paperless, safe driver, and teen driver.
  • Geico includes discounts for defensive driver, seat belt use, daytime running lights, federal employee, air bags, and anti-lock brakes.
  • SAFECO policyholders can earn discounts including bundle discounts, anti-lock brakes, teen safety rewards, anti-theft, homeowner, and accident prevention training.

Before buying, ask every prospective company the best way to save money. Some discounts listed above may not apply to policyholders in your area. To see insurance companies that offer some of these discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation might need professional guidance.

  • If I drive on a suspended license am I covered?
  • What is no-fault insurance?
  • Do I need replacement cost coverage on my 2013 Dodge Grand Caravan?
  • Should I buy additional glass protection?
  • Will I lose any money if I cancel my policy before it expires?
  • How much liability insurance is required?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have 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.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Coverage for collisions

This will pay to fix damage to your Grand Caravan caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole, crashing into a building, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Grand Caravan.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability car insurance

This protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive car insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, theft, a broken windshield and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, dental work, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

In conclusion

More affordable insurance is possible from both online companies and from local agencies, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not have rates over the internet and these small insurance companies prefer to sell through local independent agents.

We covered a lot of tips how to lower your 2013 Dodge Grand Caravan insurance prices. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the smallest insurance companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

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