View 2011 Dodge Grand Caravan Car Insurance Cost

Trying to find the cheapest insurance for a new or used Dodge Grand Caravan can normally be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for your Dodge and locate the lowest price.

It’s important to compare prices at least once a year since insurance prices change frequently. Despite the fact that you may have had the best rates on Grand Caravan coverage on your last policy there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to lower your annual insurance bill.

Do you qualify for discount insurance coverage?

Buying insurance coverage is not cheap, but there are discounts available that many consumers don’t even know exist. Certain credits will be shown at the time of purchase, but some discounts are required to be specially asked for before you get the savings.

  • Low Mileage – Keeping the miles down on your Dodge may allow you to get lower prices due to less chance of an accident.
  • Good Student – Excelling in school may save you up to 25%. You can use this discount normally until age 25.
  • More Vehicles More Savings – Drivers who insure several vehicles on one policy qualifies for this discount.
  • Own a Home and Save – Owning your own home or condo can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • No Charge for an Accident – but certain companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
  • Student in College – Youth drivers who are attending college and leave their car at home may be insured at a cheaper rate.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase life insurance.
  • Club Memberships – Participating in certain professional organizations can get you a small discount on your policy.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts could see savings of more than 20%.

You should keep in mind that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though it sounds like you could get a free insurance coverage policy, it just doesn’t work that way.

Larger insurance coverage companies and the discounts they provide can be read below.

  • GEICO may offer discounts for defensive driver, driver training, anti-theft, multi-policy, military active duty, anti-lock brakes, and membership and employees.
  • Auto-Owners Insurance offers premium reductions for group or association, company car, good student, safe vehicle, paid in full, and student away at school.
  • American Family may include discounts for defensive driver, good student, multi-vehicle, air bags, early bird, good driver, and bundled insurance.
  • Esurance offers discounts including online quote, safety device, defensive driver, DriveSense, paid-in-full, and renters.
  • Progressive has savings for multi-policy, homeowner, multi-vehicle, online signing, continuous coverage, and online quote discount.
  • State Farm includes discounts for student away at school, multiple policy, safe vehicle, good driver, and anti-theft.
  • AAA discounts include AAA membership discount, anti-theft, education and occupation, multi-car, and good student.

When comparing rates, check with each insurance company which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders in your area. To locate providers that provide some of the discounts listed above, click here.

Compare insurance rate quotes online

Comparing insurance rates is a ton of work if you don’t utilize the easiest way. You could waste time talking to local insurance agents in your area, or you can stay home and use the internet to get pricing more quickly.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit one quote, and every company can provide price quotes. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is you don’t know exactly the insurers you want to price. If you wish to select individual companies to compare rates, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make sure you are using exactly the same deductibles and coverage limits with each company. If the quotes have unequal deductibles or liability limits it’s impossible to find the best deal for your Dodge Grand Caravan.

What insurance coverages do I need?

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

These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • Can I make deliveries for my home business?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my friends covered when driving my 2011 Dodge Grand Caravan?
  • What if I total my 2011 Dodge Grand Caravan and owe more than it’s worth?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my cargo covered for damage or theft?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered if my car is in a flood?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive protection – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, damage from a tornado or hurricane and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision insurance covers damage to your Grand Caravan resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage – Med pay and PIP coverage pay for expenses such as dental work, EMT expenses, rehabilitation expenses, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage – This provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like court costs, funeral expenses, pain and suffering, emergency aid and medical services. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Take this to the bank

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are a lot of situations where someone dropped collision coverage to discover at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

We just showed you many tips how you can save on 2011 Dodge Grand Caravan insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding the cheapest car insurance. You may even discover the most savings is with a small local company.

Low-cost 2011 Dodge Grand Caravan insurance can be found online as well as from independent agents, so you need to shop car insurance with both to get a complete price analysis. There are still a few companies who do not offer rate quotes online and most of the time these regional carriers prefer to sell through local independent agents.

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