2013 Dodge Grand Caravan Car Insurance Quotes

Trying to find cheaper auto insurance rates for your Dodge Grand Caravan? Beginners to comparing auto insurance rates on the web may find sourcing inexpensive insurance coverage is harder than it needs to be.

You need to check auto insurance prices quite often because insurance rates change frequently. Even if you think you had the lowest premium rates for Grand Caravan insurance last year other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you should be able to save some money using this strategy. But vehicle owners must understand the way insurance companies price online insurance.

The most recommended method to compare car insurance company rates is to know most of the larger companies allow for online access to provide you with a free rate quote. The only thing you need to do is give the companies some data such as level of coverage desired, if your license is active, your occupation, and distance driven. Your details is instantly provided to multiple insurance coverage providers and you get price estimates immediately.

You may qualify for discounts

Car insurance is neither fun to buy or cheap, but companies offer discounts to help bring down the price. Certain reductions will be credited when you complete an application, but less common discounts must be manually applied prior to getting the savings.

  • Driver Safety – Completing a driver safety course could save 5% or more if you qualify.
  • Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote for Grand Caravan insurance than drivers with accidents.
  • Discount for Swiching Early – A few companies give discounts for switching to them prior to your current policy expiring. Ten percent is about the average savings.
  • Driver Education Discount – Require your teen driver to sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Organization Discounts – Being in certain professional organizations is a simple method to lower premiums on car insurance.
  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Fewer annual miles on your Dodge may enable drivers to earn substantially lower car insurancerates.

One thing to note about discounts is that many deductions do not apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, that’s just not realistic. But all discounts will bring down your policy premiums.

Popular car insurance companies and a partial list of their discounts are:

  • GEICO offers premium reductions for defensive driver, multi-vehicle, membership and employees, anti-theft, military active duty, and five-year accident-free.
  • Auto-Owners Insurance may offer discounts for anti-theft, safe driver, company car, mature driver, paperless, good student, and paid in full.
  • American Family may have discounts that include good driver, TimeAway discount, bundled insurance, accident-free, multi-vehicle, and air bags.
  • Esurance offers discounts for defensive driver, emergency road assistance, renters, online quote, and good student.
  • Progressive may include discounts for homeowner, online quote discount, online signing, multi-policy, continuous coverage, and multi-vehicle.
  • State Farm includes discounts for defensive driving training, good student, multiple policy, student away at school, Drive Safe & Save, and driver’s education.
  • AAA has discounts for multi-policy, good student, pay-in-full, good driver, AAA membership discount, anti-theft, and multi-car.

When comparing rates, check with each company how you can save money. A few discounts may not apply everywhere.

There’s no such thing as the perfect insurance coverage policy

When choosing the best insurance coverage coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might point out whether or not you would benefit from professional advice.

  • Does coverage extend to my business vehicle?
  • Am I covered if I crash into my own garage door?
  • Why am I required to buy high-risk coverage?
  • Should I buy additional glass protection?
  • What if I owe more than I can insure my car for?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Information about specific coverages

Learning about specific coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for pain medications, ambulance fees, nursing services, EMT expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability coverages

This coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, repair bills for other people’s vehicles, medical services and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision protection

This coverage covers damage to your Grand Caravan from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, fire damage, falling objects, damage from a tornado or hurricane and hitting a deer. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.