How Much Does 2018 Dodge Grand Caravan Insurance Cost?

Trying to find better auto insurance rates for your Dodge Grand Caravan? Buying the cheapest auto insurance online can seem to be problematic for consumers who are new to buying insurance on the web. With dozens of companies competing online, how can consumers have time to compare every possible option in order to find cheaper auto insurance rates?

Learn how to lower your insurance premiums

Lots of factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but some are more transparent such as your marital status or your commute time.The best way to find cheaper auto insurance is to take a look at the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay, this enables informed choices that can help you get lower premium levels.

• Higher rates for specific jobs – Did you know your career choice can influence rates? Careers such as doctorsairline pilots and stock brokers tend to pay higher premium rates because of intense work-related stress and lots of time spent away from family. Other jobs such as professors, historians and performers have the lowest average rates for Grand Caravan coverage.
• Policy add-ons add up – Insurance companies have many add-on coverages you can purchase if you aren’t diligent. Insurance for vanishing deductibles, better glass coverage, and additional equipment coverage are examples of these. The coverages may be enticing when deciding what coverages you need, but your needs may have changed so eliminate them to save money.
• Save money with higher comp and collision deductibles – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your Dodge. A few examples of covered claims could be collision with another vehicle, damage caused by hail, and damage caused by flying debris. Physical damage deductibles are the amount of money you are willing to pay if the claim is covered. The higher the amount you’re willing to pay, the better rate you will receive for Grand Caravan coverage.
• Combining policies can get discounts – Most larger companies give better rates for people who buy several policies from them in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to comparison shop to help guarantee you have the best rates. Consumers may find better rates by buying from different companies
• High credit scores save money – Having a bad credit score can be an important factor in calculating your auto insurance rates. If your credit rating is lower than you’d like, you could save money insuring your 2018 Dodge Grand Caravan by taking the time to improve your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings.
• Gender is a factor – Statistics have proven females are less aggressive when driving. This data doesn’t prove that men are worse drivers. Both genders get in accidents in similar percentages, but the males get into accidents with more damage. Not only that, but men also get higher numbers of serious violations like driving under the influence (DUI). Males from age 16 to 21 are most likely to cause an accident so it costs more to insure them.
• Deter car thieves – Buying a car with a theft deterrent system can earn a premium discount. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
• Lower premiums for safer vehicles – Vehicles that have high safety ratings cost less to insure. Highly rated vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If the Dodge Grand Caravan is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

The method we recommend to get rate comparisons is to realize most of the larger companies have advanced systems to compare their rates. To get started, all you need to do is provide a little information such as if you lease or own, the year, make and model of vehicles, an estimate of your credit level, and if you’re married. Your rating data is automatically sent to many of the top insurers and they return rate quotes quickly.

If you wish to get multiple quotes for your 2018 Dodge Grand Caravan now, click here and enter your coverage details.

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Save $419 a year? Really?

Respected companies like Progressive, Geico, Allstate and State Farm endlessly run ads on television and other media. All the ads tend to make the same promise of big savings if you move your policy. But how can every company offer you a better deal? It’s all in the words they use.

Different companies are able to cherry pick for the type of customer that will be a good risk. An example of a desirable risk might be described as over the age of 50, insures multiple vehicles, and drives a safe vehicle. A driver who matches those parameters is entitled to the best price and will most likely save a lot if they switch.

Insureds who are not a match for the ideal profile will see higher rates and business not being written. The ad wording is “drivers that switch” but not “all drivers who get quotes” save money. That’s why insurance companies can make claims that they all have the best premium rates.

Because of the profiling, you should compare as many free insurance coverage quotes as you can. It’s impossible to know which insurance companies will provide you with the cheapest car insurance rates.

Car insurance policy discounts

Companies offering auto insurance don’t always list all their discounts very clearly, so the list below contains some of the best known in addition to some of the lesser obvious credits available to you.

• Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
• New Car Discount – Adding a new car to your policy can cost up to 25% less because newer vehicles are generally safer.
• Federal Government Employee – Federal government employees could provide a small rate reduction for Grand Caravan coverage with a few car insurance companies.
• No Claim Discounts – Drivers who stay claim-free have much lower rates as opposed to bad drivers.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices help deter theft and qualify for as much as a 10% discount.
• Distant College Student Discount – College-age children who live away from home at college and do not take a car to college could get you a discount.
• Military Discounts – Being deployed with a military unit can result in better prices.
• Membership in Organizations – Belonging to specific professional or occupational memberships or organizations could qualify you for a break on car insurance.
• Discounts for Responsible Drivers – Drivers without accidents can save up to 40% or more on their insurance coverage quote for Grand Caravan coverage than drivers with accidents.

As a disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

To view companies that can offer you the previously mentioned discounts, click this link.

How do I know if I need professional advice?

When buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might point out if your insurance needs could use an agent’s help.

• Should I have a commercial auto policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• When should I remove comp and collision on my 2018 Dodge Grand Caravan?
• What discounts do I qualify for?
• Should I buy more coverage than the required minimum liability coverage?
• Am I covered when delivering products for my home-based business?
• Does car insurance cover theft of personal property?
• Do I get a pro-rated refund if I cancel my policy early?
• Is a new car covered when I drive it off the dealer lot?
• Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

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Car insurance policy coverages for a 2018 Dodge Grand Caravan

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from getting keyed, hitting a deer and fire damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

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

Collision coverage protects against things like hitting a parking meter, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses for things like chiropractic care, nursing services, ambulance fees and prosthetic devices. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – This can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like emergency aid, medical services, court costs, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Make a quick buck

Some insurance providers may not provide online price quotes and many times these regional carriers work with independent agents. Cheaper insurance coverage can be bought on the web as well as from independent agents, so you should compare both to have the best chance of lowering rates.

Consumers switch companies for many reasons like questionable increases in premium, delays in responding to claim requests, policy cancellation and unfair underwriting practices. Regardless of your reason for switching companies, finding the right insurance coverage provider is actually quite simple.

When you buy insurance coverage online, make sure you don’t reduce coverage to reduce premium. There have been many situations where someone sacrificed uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest price and still be able to protect your assets.

Additional information is located on the following sites:

• Older Driver Statistics (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)

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