2008 Dodge Grand Caravan Car Insurance Rates

Trying to find cheaper insurance rates for your Dodge Grand Caravan? Searching for cheaper insurance for your Dodge Grand Caravan could be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to shop for insurance so we’re going to tell you the proper way to quote coverages on a Dodge and find the cheapest rates from both online companies and local agents.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Buying affordable car insurance is quite easy. Drivers just need to know how to compare rates on the web.

Car insurance policy discounts

Car insurance can be pricey, but discounts can save money and there are some available to help bring down the price. Some of these disounts will be visible when you purchase, but a few must be asked for before you will receive the discount.

  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% on medical payment and PIP coverage.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as GEICO, Progressive, and Allstate will turn a blind eye to one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • 55 and Retired – Mature drivers may be able to get reduced rates on Grand Caravan coverage.
  • Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Discounts for Good Drivers – Safe drivers may save up to 50% more on Grand Caravan coverage than their less cautious counterparts.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.

As is typical with insurance, some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Large car insurance companies and some of the discounts are included below.

  • State Farm has discounts for multiple autos, good driver, Drive Safe & Save, safe vehicle, and multiple policy.
  • GEICO policyholders can earn discounts including multi-vehicle, driver training, defensive driver, seat belt use, good student, and multi-policy.
  • Liberty Mutual has savings for new move discount, new graduate, multi-car, good student, exclusive group savings, and new vehicle discount.
  • The Hartford offers discounts for air bag, anti-theft, vehicle fuel type, bundle, good student, defensive driver, and driver training.
  • MetLife offers premium reductions for multi-policy, accident-free, good student, good driver, claim-free, and defensive driver.
  • Progressive discounts include multi-vehicle, continuous coverage, online quote discount, good student, and online signing.

If you need lower rates, check with each insurance company how you can save money. Some credits might not be offered everywhere. To find companies with discount rates, click here to view.

Compare quotes for insurance

Cutting your insurance rates is not a difficult process. The only requirement is to spend a few minutes on the computer comparing rates online with multiple companies. Insurance prices can be quoted by using one of the methods below.

If you are pressed for time, the simplest way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing multiple quote forms for every company. One quote request gets insurance cost estimates instantly. This is by far the quickest method.

A harder way to get comparison quotes is to take the time to go to the website for every company you want to comare and fill out their own quote form. For example, let’s say you want to see prices from Auto-Owners, Esurance and American Family. In order to get each rate, you would have to take the time to go to each site and type in your information over and over, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The final way to get comparison rates is physically going to different agent offices. Shopping for insurance online makes this unnecessary unless you’re the type of person who wants the trained guidance of a licensed agent. However, consumers can compare online quotes but still have the advice of a local agent.

Compare rates however you want, just make sure you use identical coverage information on every quote. If the quotes have unequal deductibles or liability limits it will be nearly impossible to get a fair rate comparison.

You can change your insurance costs

Consumers need to have an understanding of some of the elements that are used to determine the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower rates. Many different elements are considered when pricing auto insurance. Some are pretty understandable such as your driving record, although others are not as apparent like your continuous coverage or your commute time.

Shown below are some of the most common factors used by your company to calculate your premiums.

  • Raise comp and collision deductibles and save – Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket if the claim is covered. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply could be a windshield broken by a bird, damage from fire, or theft of your vehicle. The higher the amount the insured is willing to pay, the lower your rates will be on Grand Caravan coverage.
  • Use but don’t abuse your insurance – Insurance companies give discounts to insureds who are claim-free. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can earn a premium discount. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your car from being stolen.
  • The more you drive the more you pay – The more miles you rack up on your Dodge annually the higher your rates will be. Most companies rate vehicles based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. It’s a good idea to make sure your declarations sheet is showing the correct usage for each vehicle. An improperly rated Grand Caravan is just wasting money.
  • Your career may increase premiums – Occupational choices like military personnel, architects and emergency personnel generally pay higher rates than average in part from intense work requirements and lots of time spent away from family. Conversely, careers such as professors, athletes and retirees have lower than average premiums on Grand Caravan coverage.

How do I know if I need professional advice?

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions might point out if your situation might need professional guidance.

  • Are my friends covered when driving my car?
  • What is UM/UIM insurance?
  • Will my insurance pay for OEM parts?
  • What is the ISO rating for a 2008 Dodge Grand Caravan?
  • What can I do if my company won’t pay a claim?
  • What is the minimum liability in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like medical services, structural damage and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, hail damage and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

This coverage pays for damage to your Grand Caravan resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for surgery, doctor visits, EMT expenses, chiropractic care and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Power to the consumer

You just read many ideas to save on 2008 Dodge Grand Caravan insurance. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from some of the lesser-known companies.

When searching for affordable car insurance quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at the lowest possible cost.

Cheap 2008 Dodge Grand Caravan insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not offer online price quotes and many times these regional insurance providers prefer to sell through local independent agents.

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