2017 Dodge Grand Caravan Car Insurance Rates – 7 Tips for Best Quotes

Consumers have many options when looking for low-cost Dodge Grand Caravan insurance. They can either spend hours contacting agents to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to shop for auto insurance so you’re going to learn the quickest way to compare rates for a new or used Dodge and obtain the lowest price from both online companies and local agents.

You should make it a habit to compare premium rates before your policy renews because auto insurance prices change quite often. Just because you found the lowest rates on Grand Caravan insurance a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to learn one of the quickest ways to get good coverage at a lower rate.

If you have insurance now or are shopping for new coverage, you can follow these tips to get lower rates and still get good coverage. The purpose of this article is to let you in on how to get online quotes and some money-saving tips. Drivers just need to understand the most effective way to get comparison rates over the internet.

First Step: Get free insurance coverage quotes

All the larger insurance coverage companies such as Progressive, GEICO, Allstate and State Farm make it easy to get price estimates online. Comparing prices online is quite easy as you simply type in your coverage preferences as detailed in the form. After the form is submitted, their system gets information on your driving record and credit history and returns a price quote based on these and other factors.

Quoting online makes it simple to compare prices but having to visit several different sites and complete many quote forms is a waste of time. But it’s also necessary to get many rate quotes in order to get the lowest possible prices on insurance coverage.

An easier way to lower your rates requires only one form to return rates from a bunch of companies at once. This type of form saves time, requires less work, and makes comparison shopping a lot less work. Immediately after you send the form, it is quoted and you can choose your choice of the quotes that you receive.

If you find a better price it’s easy to complete the application and buy the new coverage. This process takes less than 15 minutes and can result in significant savings.

To find out how much you can save on insurance coverage, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you copy the limits and deductibles exactly as shown on your declarations page. This ensures you will receive rate quotes for the exact same coverage.

Get cheap insurance with discounts

Not many people think insurance is cheap, but companies offer discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but a few must be specially asked for before they will apply.

  • Discounts for Good Drivers – Safe drivers can pay as much as 50% less on Grand Caravan insurance than drivers with accidents.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.
  • Early Signing – Select insurance companies give a discount for buying a policy before your current coverage expires. It could save around 10% when you buy car insurance online.
  • Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Good Student Discount – Performing well in school may save as much as 25% on a car insurance quote. You can use this discount normally up to age 25.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • Save with More Vehicles Insured – Having all your vehicles on a single policy qualifies for this discount.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you aren’t that lucky.

Large insurance companies and a selection of discounts are shown below.

  • Farm Bureau has savings for 55 and retired, multi-policy, multi-vehicle, driver training, renewal discount, safe driver, and youthful driver.
  • MetLife policyholders can earn discounts including claim-free, defensive driver, accident-free, good student, and good driver.
  • Progressive may have discounts that include online signing, continuous coverage, multi-vehicle, multi-policy, homeowner, and good student.
  • AAA may offer discounts for education and occupation, anti-theft, AAA membership discount, multi-policy, good student, multi-car, and pay-in-full.
  • American Family discounts include Steer into Savings, good student, air bags, mySafetyValet, and bundled insurance.
  • GEICO has discounts for seat belt use, good student, anti-theft, military active duty, multi-policy, and federal employee.
  • State Farm may include discounts for multiple policy, safe vehicle, anti-theft, defensive driving training, student away at school, and driver’s education.

It’s a good idea to ask every company what discounts are available to you. Depending on the company, some discounts may not be available in your area. To locate insurance companies who offer online insurance quotes, click this link.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • Why am I required to buy liability insurance?
  • Do I benefit by insuring my home with the same company?
  • Does my insurance cover my expensive audio equipment?
  • Why do I only qualify for high-risk insurance?
  • Does insurance cover tools stolen from my truck?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need replacement cost coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance advertising gotchas

Consumers can’t get away from ads that promise big savings for switching by Progressive, GEICO, Allstate and State Farm. All the ads state the claim about savings if you just switch your auto insurance policy to them.

But how can every company offer drivers better rates?

Insurance companies have specific criteria for the type of customer that will add to their bottom line. For example, a profitable risk profile may need to be over age 30, is a homeowner, and has a high credit rating. Any driver that fits those parameters will get the preferred prices and as a result will probably save when they switch companies.

Drivers who fall short of the “perfect” profile will probably have to pay a higher rate and the customer not purchasing. If you listen closely, the ads state “drivers that switch” not “all people who quote” save that kind of money. That’s the way companies can truthfully advertise the savings.

Because of these techniques, it’s extremely important to do a price quote comparison at every renewal. You cannot predict which insurance companies will have the lowest car insurance rates for your situation.

Information about specific coverages

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, dental work, rehabilitation expenses and pain medications. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, rock chips in glass and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your 2017 Dodge Grand Caravan.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability

This protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, medical expenses, structural damage and court costs. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Grand Caravan resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Quote often and quote early

We just showed you some good ideas how to compare 2017 Dodge Grand Caravan insurance car insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from the least-expected company.

Discount 2017 Dodge Grand Caravan insurance can be bought from both online companies in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get quotes online and many times these regional insurance providers sell through independent agencies.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, extreme rates for teen drivers or even delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

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