View 2020 Dodge Grand Caravan Car Insurance Quotes 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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Looking for cheaper auto insurance rates? Shoppers have options when shopping for the lowest priced Dodge Grand Caravan insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There is a better way to compare auto insurance rates and we’ll show you the best way to quote coverages for a Dodge and get the lowest price from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can learn to shop for the lowest rates while maintaining coverages. The purpose of this post is to instruct you on the most effective way to quote insurance and some tips to save money. Consumers just need to know the proper way to compare rates on the web.

Lower your insurance rates

Lots of factors are part of the calculation when premium rates are determined. Most are fairly basic such as traffic violations, but other factors are more obscure such as your credit history or how safe your car is.

  • Insure car and home with the same company – Lots of insurers afford better rates to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, drivers will still want to comparison shop to verify if the discount is saving money. You may still be able to save money even if you insure with multiple companies.
  • Obey driving laws and save – How you drive has a lot to do with how much you pay for insurance. Attentive drivers pay less for auto insurance as compared to those with violations. Getting just one moving violation may cause rates to rise twenty percent or more. Drivers unfortunate enough to have careless citations like DWI, reckless driving or hit and run convictions may find that they have to to file a SR-22 with their state’s licensing department in order to prevent a license revocation.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that females are better drivers. Women and men get in at-fault accidents at about the same rate, but guys have accidents that have higher claims. Not only that, but men also get cited for more serious violations such as reckless driving.
  • Prevent theft and save – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Poor credit decisions can cost you – Having a bad credit score is likely to be a major factor in determining what you pay for insurance. Therefore, if your credit history could use some work, you could save money insuring your 2020 Dodge Grand Caravan if you clean up your credit. Consumers who have very high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Rural vs Urban Areas – Being located in less populated areas of the country is a positive aspect when insuring your vehicles. Less people living in that area means less chance of accidents in addition to lower liability claims People in densly populated areas regularly have more traffic problems and higher rates of accident claims. More time commuting means a statistically higher chance of an accident.
  • Incidental coverages may be wasting money – Policies have extra add-on coverages that you can buy when buying insurance. Things like replacement cost coverage, high-cost glass coverage, and term life insurance could be just wasting money. These coverages may sound good when buying your policy, but if you don’t need them consider taking them off your policy.
  • Insurance companies don’t like frequent policy claims – Auto insurance companies give cheaper rates to drivers who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended for the large, substantial claims.

Save with these premium-slashing discounts

Some insurance providers don’t list every discount they offer very well, so the below list has both well-publicized and also the more inconspicuous credits that may apply to you.

  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.
  • Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could save at least 10 to 15 percent or more.
  • Early Renewal Discounts – Select insurance companies give a discount for switching to them early. You can save around 10% with this discount.
  • Discounts for Safe Drivers – Accident-free drivers can save up to 40% or more on their car insurance quote for Grand Caravan coverage as compared to drivers with claims.
  • No Charge for an Accident – but companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • Seat Belt Usage – Forcing all vehicle occupants to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.

A quick disclaimer, some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Popular insurance coverage companies and some of their more popular discounts are:

  • GEICO may have discounts that include anti-theft, federal employee, air bags, defensive driver, and membership and employees.
  • Travelers includes discounts for payment discounts, student away at school, hybrid/electric vehicle, home ownership, and save driver.
  • Nationwide offers discounts including defensive driving, Farm Bureau membership, good student, business or organization, family plan, anti-theft, and accident-free.
  • Farmers Insurance may offer discounts for electronic funds transfer, distant student, homeowner, pay in full, business and professional, and early shopping.
  • Esurance has discounts for safety device, claim free, Pac-12 alumni, good driver, multi-policy, paid-in-full, and emergency road assistance.
  • State Farm offers premium reductions for defensive driving training, driver’s education, passive restraint, anti-theft, accident-free, student away at school, and multiple policy.
  • Progressive policyholders can earn discounts including online signing, multi-policy, online quote discount, multi-vehicle, and continuous coverage.
  • Mercury Insurance may include discounts for accident-free, age of vehicle, good student, professional/association, anti-theft, type of vehicle, and good driver.

If you want inexpensive car insurance quotes, ask each company or agent how many discounts you can get. A few discounts may not be offered everywhere. To find providers who offer discounts, enter your zip code here.

Insurance coverage ads are enticing

Drivers can’t avoid all the ads that claim the best rates from the likes of 21st Century, Allstate and State Farm. They all tend to make the same promise that people will save after switching to them.

How can each company sell you cheaper insurance coverage? Just pay attention to how they say it.

All the different companies have strict underwriting profiles for the type of driver that will be a good risk. For example, a profitable customer may be between the ages of 30 and 50, has never had a claim, and has a short commute. Anyone that fits those parameters receives the best prices and will most likely save if they switch.

Potential customers who do not fit the requirements will get higher rates which results in business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can truthfully make those statements.

Because of this risk profiling, you really should compare free car insurance quotes often. It’s not possible to predict which insurance coverage company will have the best car insurance rates at this point in time.

Do I need special coverages?

When buying the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • How can I force my company to pay a claim?
  • Is a fancy paint job covered?
  • Is my teen driver covered when they drive my company car?
  • Can I get a multi-policy discount?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • Does my car insurance cover rental cars?
  • Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Understanding the coverages of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability coverages – This provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like structural damage, bail bonds and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, hitting a mailbox, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, fire damage and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, rehabilitation expenses, ambulance fees and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include 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, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Save for a rainy day

People who switch companies do it for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, delays in responding to claim requests or policy cancellation. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

We just covered some good ideas how to compare 2020 Dodge Grand Caravan insurance rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost car insurance. Consumers may even find the most savings is with a lesser-known regional company.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In many cases, an insured dropped full coverage only to discover later that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

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