View 2016 Dodge Grand Caravan Car Insurance Rates

Searching for better car insurance rates for your Dodge Grand Caravan? Buying more affordable car insurance online might seem problematic for vehicle owners who are beginners to quoting and online price comparisons. With so many online companies, how are vehicle owners able to have the ability to compare all the different companies and get the best available price?

You should make it a habit to do price comparisons before your policy renews because prices change regularly. Despite the fact that you may have had the best deal on Grand Caravan insurance last year you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use the internet to find better rates and still maintain coverage.

Shopping for cheaper auto insurance coverage is simple if you know the tricks. Essentially everyone who carries auto insurance will be able to find better rates. Nevertheless, drivers do need to know the methods companies use to compete online and use this information to your advantage.

Use discounts on auto insurance

Companies don’t always advertise all disounts in a way that’s easy to find, so the following list contains some of the best known and the more hidden credits that you can use to lower your rates. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
  • No Charge for an Accident – Not really a discount, but companies like Allstate, State Farm and Geico permit an accident without the usual rate increase if you are claim-free for a certain period of time.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Sign Early and Save – Some auto insurance companies give discounts for buying a new policy before your current expiration date. It could save around 10% when you buy car insurance online.
  • Federal Government Employee – Federal government employees could cut as much as 10% off on Grand Caravan insurance depending on your auto insurance provider.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, you won’t be that lucky.

A few popular companies and the discounts they provide are:

  • Farm Bureau may offer discounts for multi-policy, multi-vehicle, safe driver, renewal discount, 55 and retired, and driver training.
  • MetLife offers premium reductions for good student, accident-free, good driver, claim-free, defensive driver, and multi-policy.
  • Progressive has discounts for multi-policy, multi-vehicle, continuous coverage, online signing, and homeowner.
  • AAA may include discounts for good driver, AAA membership discount, good student, pay-in-full, multi-car, education and occupation, and multi-policy.
  • American Family has savings for good driver, multi-vehicle, bundled insurance, good student, early bird, and air bags.
  • Geico includes discounts for multi-vehicle, seat belt use, federal employee, emergency military deployment, daytime running lights, membership and employees, and driver training.
  • State Farm offers discounts including student away at school, good student, Steer Clear safe driver discount, driver’s education, and anti-theft.

If you want low cost car insurance quotes, ask each company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in every state. If you would like to see a list of insurers that offer many of these discounts, click here.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • Do I need roadside assistance coverage?
  • Do I need replacement cost coverage?
  • Why do I need rental car insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does car insurance cover theft of personal property?
  • How much underlying liability do I need for an umbrella policy?
  • Is motorclub coverage worth it?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Can you really save if you switch?

Insurance companies such as Allstate and Progressive consistently run television and radio advertisements. They all seem to seem to make the promise about saving some big amount just by moving to them. How is it plausible that every one can cost less than your current company?

Insurance companies give the best rates for the driver that earns them the highest profit. For example, a profitable customer should be between the ages of 30 and 45, owns their home, and drives less than 10,000 miles a year. A customer getting a price quote that matches those criteria is entitled to the best price and most likely will cut their rates if they switch.

Potential customers who don’t qualify for the ideal profile may be forced to pay more expensive rates which results in the customer not buying. The ads say “drivers that switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can claim big savings.

This really illustrates why drivers should quote coverage with many companies. Because you cannot predict with any certainty which company will have the lowest rate quotes.

Insurance coverages 101

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, rock chips in glass, a broken windshield, hail damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage – Liability coverage protects you from damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

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 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like structural damage, attorney fees, medical services and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Collision coverages – This pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, rehabilitation expenses, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Save your hard earned cash

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. Too many times, an accident victim reduced collision coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

We covered some good ideas how to lower your 2016 Dodge Grand Caravan insurance rates. It’s most important to understand that the more you quote car insurance, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.

Drivers leave their current company for any number of reasons including poor customer service, denial of a claim, lack of trust in their agent or policy cancellation. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Much more information about car insurance can be found at these links: