Cheaper 2018 Dodge Grand Caravan Insurance Cost
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UPDATED: Dec 1, 2021
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Searching for low-cost insurance for a Dodge Grand Caravan could be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to find auto insurance online so we’re going to tell you the absolute fastest way to compare rates on a Dodge and obtain the cheapest rates either online or from local insurance agents.
If you are insured now or are just looking to switch companies, you can learn to cut your premiums and still get good coverage. Buying affordable insurance coverage is easy if you know what you’re doing. Drivers just need to learn how to shop online.
Take policy discounts and save
Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Many discounts should be triggered at the time of purchase, but some need to be asked about before being credited.
- Military Rewards – Having a deployed family member may lower your prices slightly.
- No Accidents – Drivers who stay claim-free pay less when compared with bad drivers.
- Senior Citizen Discount – Drivers over the age of 55 may qualify for a slight reduction on a car insurance quote on Grand Caravan insurance.
- Student Discount for Driver Training – Have your child enroll and complete driver’s education in high school.
- Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% on Grand Caravan insurance with some auto insurance companies.
- Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts up to 30%.
As is typical with insurance, most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, you aren’t that lucky. But all discounts will cut your policy cost.
Insurance companies that possibly offer most of these discounts include:
- Farm Bureau
- Liberty Mutual
- State Farm
- Auto-Owners Insurance
Check with each company or agent to apply every possible discount. Savings may not be available in your state. If you would like to see a list of insurance companies that offer some of these discounts, click this link.
Which policy gives me the best coverage?
When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine if you could use an agent’s help.
- Will my rates increase for filing one claim?
- How high should deductibles be on a 2018 Dodge Grand Caravan?
- Does my 2018 Dodge Grand Caravan need full coverage?
- If my 2018 Dodge Grand Caravan is totaled, can I afford another vehicle?
- When can I cancel my policy?
- Is my 2018 Dodge Grand Caravan covered for flood damage?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
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Can you really save if you switch?
Drivers get pounded daily by advertisements that promise big savings for switching by State Farm, Allstate and GEICO. They all seem to make the same claim about how much you will save if you get a free car insurance quote and switch to their company.
How does every insurance company give you a better price? This is the trick they use.
Different companies have specific characteristics for the type of customer that will be a good risk. For instance, a profitable customer might be described as between the ages of 30 and 50, owns their home, and drives a lower-performance vehicle. Anyone who meets those qualifications will get a cheap rate quote and most likely will save a lot of money.
Potential insureds who do not fit these criteria will have to pay a higher rate which usually ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” save money. That’s why companies can truthfully advertise the savings. This really emphasizes why you should get as many free car insurance quotes as possible. It’s just too difficult to predict which insurance company will fit you best based on your risk profile.
Coverages available on your insurance policy
Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Collision coverage pays for damage to your Grand Caravan from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.
This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane, hitting a deer and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like funeral costs, chiropractic care, pain medications, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage pays for claims such as medical services, repair bills for other people’s vehicles, repair costs for stationary objects, structural damage and loss of income. How much coverage you buy is your choice, but you should buy as large an amount as possible.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Grand Caravan.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Shop. Compare. Save.
People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, high prices, high rates after DUI convictions or not issuing a premium refund. Regardless of your reason, finding a new auto insurance company can be easier than you think.
In this article, we covered a lot of techniques to compare 2018 Dodge Grand Caravan insurance premium rates online. It’s most important to understand that the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.
A few companies do not provide price quotes online and most of the time these small insurance companies sell through independent agents. Budget-friendly auto insurance is attainable both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates.
Much more information about auto insurance can be found on the following sites:
- Auto Insurance Basics (Insurance Information Insitute)
- Airbag FAQ (iihs.org)
- Auto Theft Statistics (Insurance Information Insitute)
- Teen Driver Licensing Information (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
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