2013 Dodge Grand Caravan Insurance Cost – 6 Policy Discounts

Looking for the cheapest car insurance rates for your Dodge Grand Caravan? Finding low cost car insurance can be very difficult for drivers who are new to online price comparisons. There are so many options available that it can quickly become a challenge to find the best price.

It’s a good habit to check car insurance prices occasionally because insurance rates are constantly changing. Despite the fact that you may have had the best premium rates for Grand Caravan insurance six months ago you will most likely find a better price today. There is a lot of bad information regarding car insurance on the web, but in a few minutes you can learn some of the best techniques to lower your car insurance bill.

The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. But vehicle owners can benefit by having an understanding of the way insurance companies market on the web and use this information to your advantage.

Save money by getting these six discounts

Some companies don’t list every possible discount in an easy-to-find place, so the below list has both well-publicized and the more hidden ways to save on insurance.

• Low Mileage Discounts – Low annual miles can earn slightly better prices than normal.
• Good Student – Getting good grades may save you up to 25%. The good student discount can last up until you turn 25.
• Government Employee Discount – Simply working for the federal government could provide a small rate reduction for Grand Caravan insurance with certain companies.
• Telematics Discount – Policyholders that allow their insurance company to study vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
• Drivers Education – Require your teen driver to complete a driver education course as it can save substantially.
• Distant Student – Children living away from home attending college and won’t have access to an insured vehicle could qualify for this discount.

Don’t be shocked that most discount credits are not given to the entire cost. Most cut individual premiums such as comp or med pay. So even though it sounds like you could get a free insurance policy, nobody gets a free ride. Any amount of discount will reduce your policy premium.

Some companies that may offer quotes with these discounts include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

If you are trying to find inexpensive insurance coverage quotes, ask all the companies which discounts can lower your rates. Some discounts listed above might not be offered in every state. If you would like to see a list of insurers who offer discounts, click here to view.

The method we recommend to compare rates takes advantage of the fact almost all companies provide online access to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details such as if the car is leased, the type of vehicles you drive, how your vehicles are used, and your general credit rating. That rating data is submitted instantly to multiple top-rated companies and you get price estimates immediately.

To compare rates now, click here and enter your zip code.

Your insurance coverage should be tailored to you

When it comes to choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique.

For example, these questions might point out whether you could use an agent’s help.

• How does medical payments coverage work?
• How can I find cheaper teen driver insurance?
• Does having multiple vehicles earn me a discount?
• Can I still get insurance after a DUI?
• How do I file an SR-22 for a DUI in my state?
• Am I covered if I hit my neighbor’s mailbox?
• How much can I save by bundling my policies?
• Does my car insurance cover rental cars?
• When would I need rental car insurance?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Grand Caravan.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, damage from flooding and fire damage. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision insurance will pay to fix damage to your Grand Caravan resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, crashing into a ditch, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for dental work, X-ray expenses, doctor visits, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for liability – Liability insurance will cover damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

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 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as pain and suffering, medical services, structural damage and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Save for a rainy day

People switch companies for any number of reasons including poor customer service, lack of trust in their agent, policy non-renewal or even not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

Low-cost 2013 Dodge Grand Caravan insurance can be sourced online and from local insurance agents, so you need to shop insurance coverage with both to get a complete price analysis. A few companies may not provide the ability to get quotes online and most of the time these small, regional companies only sell coverage through local independent agents.

You just read a lot of tips how to shop for 2013 Dodge Grand Caravan insurance online. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. Drivers may discover the lowest premium rates come from some of the lesser-known companies.

Helpful articles

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)