2019 Dodge Grand Caravan Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 13, 2024

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Trying to find better car insurance rates for your Dodge Grand Caravan? Searching for better insurance prices for a Dodge Grand Caravan can be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to shop for car insurance so we’re going to tell you the best way to get price quotes for a new or used Dodge and get the best price possible from both online companies and local agents.

You should make it a habit to get comparison quotes as often as possible due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest rate for Grand Caravan insurance a year ago you will most likely find a better price today. Block out anything you think you know about car insurance because you’re about to learn one of the easiest ways to save money, get proper coverage and the best rates.

How to get free insurance quotes online

Finding more affordable 2019 Dodge Grand Caravan insurance rates can be surprisingly simple. The only requirement is to spend a little time to compare free car insurance quotes from different insurance companies. Insurance prices can be quoted using one of these methods.

The single most time-saving way to get the best comparison quotes is a comparison rater form. This form keeps you from doing separate quote forms for every company. One form will return quotes from several companies. This is perfect if you don’t have a lot of time.

A slightly less efficient method to analyze rates consists of visiting the website for each individual company and fill out their own quote form. For instance, we’ll pretend you want to compare rates from State Farm, Liberty Mutual and GEICO. To get each rate you have to spend time on each company’s site to enter your coverage information, which can get old fast.

Whichever method you choose, be sure to compare exactly the same quote data on every quote you get. If your comparisons have unequal deductibles or liability limits it will be impossible to make an equal comparison.

Drivers can save with with these discounts

Some insurance providers don’t always advertise every discount available very clearly, so the list below details both the well known and the more hidden credits available to bring down your rates. If you aren’t receiving every discount you deserve, you are throwing money away.

  • No Accidents – Claim-free drivers get the best insurance coverage rates as compared to accident-prone drivers.
  • Low Mileage Discounts – Low annual miles could qualify for cheaper premium rates.
  • ABS Brakes – Vehicles with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
  • Discounts for Cautious Drivers – Accident-free drivers may receive a discount up to 45% for Grand Caravan insurance compared to rates paid by drivers with frequent claims.
  • Lower Rates for Military – Being deployed with a military unit may lower your rates slightly.
  • Discount for Switching Early – Select insurance coverage companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Senior Citizen Discount – Drivers over the age of 55 may qualify for a discount up to 10% for Grand Caravan insurance.
  • Multiple Policy Discount – If you combine your auto and homeowners policies and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Theft Deterrent Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.

A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Large insurance coverage companies and their possible discounts are detailed below.

  • Progressive offers discounts including good student, online quote discount, continuous coverage, online signing, multi-vehicle, homeowner, and multi-policy.
  • The Hartford may offer discounts for bundle, anti-theft, driver training, air bag, defensive driver, and good student.
  • Mercury Insurance includes discounts for ease of repair, annual mileage, age of vehicle, anti-theft, multi-policy, location of vehicle, and type of vehicle.
  • GEICO may have discounts that include federal employee, anti-lock brakes, good student, military active duty, seat belt use, and air bags.
  • AAA offers discounts for multi-car, multi-policy, education and occupation, AAA membership discount, good student, pay-in-full, and anti-theft.
  • State Farm discounts include anti-theft, student away at school, Steer Clear safe driver discount, multiple policy, safe vehicle, good driver, and multiple autos.

If you need the cheapest car insurance quotes, ask every company how you can save money. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to see a list of insurance coverage companies that offer some of these discounts, enter your zip code here.

Your situation helps dictate your coverage

When it comes to buying adequate coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help you determine if you may require specific advice.

  • Is upholstery damage covered by car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my Dodge Grand Caravan covered if I use it for business?
  • Are my friends covered when driving my 2019 Dodge Grand Caravan?
  • Does coverage extend to a rental car in a foreign country?
  • What is the ISO rating for a 2019 Dodge Grand Caravan?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and enter your zip code. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Auto liability

Liability coverage can cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, medical expenses, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, rock chips in glass, theft and hail damage. The highest amount you’ll receive from a 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.

Auto collision coverage

Collision coverage will pay to fix damage to your Grand Caravan from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, crashing into a ditch, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

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