2011 Dodge Grand Caravan Car Insurance Quotes – 7 Discounts for Cheapest Rates

Buyers have lots of choices when searching for low-cost Dodge Grand Caravan insurance. You can either spend your time contacting agents to compare prices or save time using the internet to get rate quotes.

There is a better way to shop for insurance so we’re going to tell you the quickest way to price shop coverage for a Dodge and locate the lowest possible price from local insurance agents and online providers.

Take advantage of every insurance discount

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can help lower your rates. Certain discounts will be triggered automatically when you quote, but some need to be asked about prior to receiving the credit.

• Renewal Discounts – A few insurance companies offer discounts for renewing your policy prior to the expiration date on your current policy. Ten percent is about the average savings.
• Driver’s Ed – Teen drivers should successfully complete driver’s ed class as it can save substantially.
• Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break on your policy.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
• College Student – College-age children who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• Bundle and Save – When you have multiple policies with one insurance company you may save over 10 percent off each policy depending on the company.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works.

A list of insurance companies and a selection of discounts are outlined below.

• State Farm discounts include multiple policy, student away at school, good driver, anti-theft, and multiple autos.
• Esurance offers discounts for emergency road assistance, defensive driver, online shopper, anti-lock brakes, claim free, good driver, and Switch & Save.
• Progressive includes discounts for homeowner, online quote discount, multi-policy, multi-vehicle, continuous coverage, online signing, and good student.
• Liberty Mutual may have discounts that include good student, new move discount, newly married, hybrid vehicle, exclusive group savings, new vehicle discount, and new graduate.
• Auto-Owners Insurance has discounts for safe driver, paid in full, anti-theft, mature driver, and good student.
• Geico may offer discounts for emergency military deployment, five-year accident-free, defensive driver, air bags, multi-policy, and anti-theft.

If you need the cheapest car insurance quotes, ask each company to apply every possible discount. Some discounts may not be available in your area. To choose providers with the best discounts, click here.

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Be skeptical of car insurance ads

Consumers can’t ignore all the ads for the lowest price car insurance by companies like Progressive, Geico, Allstate and State Farm. They all seem to state the claim that drivers will save a bundle just by switching your car insurance coverage to their company.

How is it plausible that every one can save you money? Here is the trick they use.

All companies have specific guidelines for the type of insured that will not have excessive claims. For example, this type of risk profile might have to be over the age of 35, has few claims, and has great credit. Any person who meets those qualifications will most likely get cheap rates and will most likely save if they switch.

People who don’t qualify for this ideal profile will be charged a more expensive rate with the end result being the customer not purchasing. The trick is to say “customers that switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can lure you into getting a quote.

Different companies use different criteria so drivers must compare many company’s prices. It is just not possible to predict which car insurance company will fit your personal profile best.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can help discover if your insurance needs could use an agent’s help.

• Do I need PIP coverage since I have good health insurance?
• Will I lose any money if I cancel my policy before it expires?
• Do I need higher collision deductibles?
• What is the difference between comprehensive and collision coverage?
• When does my teenage driver need to be added to my policy?
• What if I owe more than I can insure my car for?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Coverages available on your policy

Having a good grasp of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Dodge Grand Caravan.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Liability coverages – This coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, medical services, legal defense fees, attorney fees and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, falling objects, hail damage, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for expenses like rehabilitation expenses, nursing services, hospital visits and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

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You can do this!

We’ve covered a lot of information how to compare 2011 Dodge Grand Caravan insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even find the biggest savings come from the least-expected company.

Lower-priced insurance is available from both online companies as well as from independent agents, so you need to quote car insurance with both in order to have the best price selection to choose from. Some companies do not offer the ability to get quotes online and most of the time these small insurance companies sell through local independent agencies.

When you buy car insurance online, you should never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at a price you can afford.

More resources

• Distracted Driving Statistics (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Neck Injury FAQ (iihs.org)

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