2014 Dodge Grand Caravan Insurance Quotes

No sane person loves paying for car insurance, especially when they are aware that their premiums are too high. You have multiple insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it makes it harder to find the best rates.

It’s a good habit to do price comparisons as often as possible since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Grand Caravan insurance two years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.

You may qualify for discounts

Not many people think insurance is cheap, but you may be missing some discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but a few must be inquired about before you will receive the discount.

  • Fewer Miles Equal More Savings – Driving less can earn lower rates due to less chance of an accident.
  • Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Grand Caravan insurance.
  • Waiver for an Accident – Not really a discount, but companies like Geico and Liberty Mutual will turn a blind eye to one accident before your rates go up as long as you don’t have any claims before the accident.
  • Auto/Home Discount – If you insure your home and vehicles with one company they may give you a discount of at least 10 to 15 percent or more.
  • Active Military Service – Being on active duty in the military may lower your rates slightly.
  • Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class in high school.
  • More Vehicles More Savings – Having primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less because newer vehicles are generally safer.
  • Accident-Free Discounts – Drivers with accident-free driving histories have much lower rates as opposed to accident-prone drivers.

Remember that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and some of their more popular discounts are included below.

  • 21st Century may include discounts for 55 and older, automatic seat belts, anti-lock brakes, student driver, homeowners, driver training, and air bags.
  • State Farm discounts include multiple autos, student away at school, passive restraint, anti-theft, safe vehicle, driver’s education, and Drive Safe & Save.
  • AAA policyholders can earn discounts including anti-theft, multi-car, pay-in-full, good driver, AAA membership discount, multi-policy, and education and occupation.
  • Liberty Mutual has discounts for new vehicle discount, hybrid vehicle, new move discount, exclusive group savings, safety features, multi-policy, and good student.
  • Progressive offers premium reductions for good student, online quote discount, continuous coverage, multi-policy, and homeowner.

When getting free car insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area. To see insurance coverage companies that offer many of these discounts, follow this link.

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

When it comes to choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions might point out if your situation may require specific advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Can my teen drive my company car?
  • When would I need rental car insurance?
  • When can my company non-renew my policy?
  • Should I carry comprehensive and collision coverage?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages offered by auto insurance companies.

Auto collision coverage

This coverage will pay to fix damage to your Grand Caravan from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, sideswiping another vehicle, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Grand Caravan.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

This protects you from injuries or damage you cause to people or other property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills such as nursing services, dental work, hospital visits, ambulance fees and surgery. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hitting a bird, damage from flooding and vandalism. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Knowledge is power

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

The cheapest 2014 Dodge Grand Caravan insurance can be purchased from both online companies as well as from independent agents, so get free car insurance quotes from both of them to have the best rate selection. Some auto insurance companies may not provide rate quotes online and usually these smaller providers work with independent agencies.

More tips and info about auto insurance can be read in the articles below: