2015 Dodge Grand Caravan Car Insurance Rates – 10 Ways to Save

Consumers have options when looking for the lowest priced Dodge Grand Caravan insurance. They can either spend hours contacting agents to compare prices or leverage the internet to get rate quotes.

There is a better way to buy car insurance so you’re going to learn the quickest way to price shop coverage for a Dodge and get the lowest price from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maximizing coverage. The purpose of this article is to teach you the best way to quote coverages. Vehicle owners only need to know the best way to shop on the web.

How to compare car insurance price quotes

Most larger insurance companies such as Progressive, Geico, Allstate and State Farm make it easy to get price estimates direct online. Doing online quotes is pretty easy because it’s just a matter of typing in your personal and coverage information as detailed in the form. After the form is submitted, the quote system automatically orders your driving record and credit report and generates a price based on these factors.

Being able to quote online helps simplify price comparisons, but the process of having to visit different websites and type in the same information is not the best way to spend an afternoon. But it’s also necessary to do this in order to find lower prices.

A less time-consuming method to locate the lowest prices is to use a quote form to obtain quotes from many companies. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable and efficient. After sending your information, your coverage is rated and you can choose any or none of the quote results.

If you find a better price it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and can result in significant savings.

To save time and find out if lower rates are available, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you complete the form with coverages and limits just like they are on your policy. Doing this assures you will receive a rate comparison using the exact same coverages.

How to know if you need help

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • How much underlying liability do I need for an umbrella policy?
  • Does my 2015 Dodge Grand Caravan need full coverage?
  • How many claims can I have before being cancelled?
  • Can I afford to buy a different vehicle if my 2015 Dodge Grand Caravan is totaled?
  • Am I covered when using my vehicle for business?
  • What if I owe more than I can insure my car for?
  • Is my ex-spouse still covered by my policy?
  • Can I rent a car in Mexico?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions, you might consider talking 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.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

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

Collision can pay for claims like scraping a guard rail, rolling your car, crashing into a ditch, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability – This provides protection from damage that occurs to other people or property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three 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 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, funeral expenses and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers 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 pays for things like fire damage, theft, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as ambulance fees, dental work, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible