Cheap 2009 Dodge Grand Caravan Insurance Cost

Searching for lower insurance rates for your Dodge Grand Caravan? Think you have an underperforming, overpriced insurance policy? Don’t sweat it because many drivers feel the same as you. Because there are so many different company options, it is very difficult to pick a lower cost insurance provider.

Compare car insurance quotes

Finding cheap car insurance rates can be surprisingly simple. All that’s required is to take the time to get quotes online with multiple companies. Comparing prices online can be done by following the guidelines below.

  1. Without a doubt, the easiest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for repetitive form submissions for every company. Filling out one form gets you coverage quotes instantly.
  2. A more time consuming way to shop for car insurance online requires you to visit each company website and request a quote. For example, let’s say you want to compare prices for Auto-Owners, Allstate and Liberty Mutual. To get each rate you have to spend time going to each site individually to input your insurance information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just make absolute certain that you use apples-to-apples coverage data with every price quote. If you use different coverage information you will not be able to decipher which rate is best.

Can switching companies really save?

Drivers can’t avoid all the ads that claim the best premium rates from the likes of GEICO, State Farm and Progressive. They all seem to make an identical promise of big savings if you switch to them.

It sounds good, but how can they all give you a lower rate? Here is the trick they use.

All the different companies have a certain “appetite” for the right customer that makes them money. For example, a profitable insured may be between the ages of 30 and 50, has had continuous coverage, and drives a car with an anti-theft system. Anybody who fits those characteristics will get very good auto insurance rates and will probably save if they switch.

Potential insureds who may not quite match the “perfect” profile may receive a higher premium which leads to business going elsewhere. The trick companies use is to say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can advertise the way they do.

Because of these techniques, you absolutely need to compare free insurance coverage quotes often. It is impossible to guess which company will give you the biggest savings.

How to lower your insurance rates

Lots of things are used in the calculation when you get a price on insurance. Some are obvious like your driving record, but other criteria are more obscure like where you live or how financially stable you are.

  • Tickets cost more than a fine – Your driving citation history has a huge affect on how much you pay. Careful drivers pay lower auto insurance prices as compared to those with violations. Even one chargable violation may increase your cost by as much as thirty percent. People who have license-revoking tickets such as DUI or willful reckless driving may need to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Insurance companies don’t like frequent claims – Companies award the lowest premiums to people who are not frequent claim filers. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of more catestrophic claims.
  • Prices may be lower depending on your job – Did you know your job can affect your rates? Jobs such as fire fightersair traffic controllers and medical professionals generally pay higher premium rates in part from stressful work requirements and incredibly demanding work hours. Conversely, careers such as scientists, historians and the unemployed generally pay rates lower than average on Grand Caravan coverage.
  • Rural areas have lower prices – Living in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. Residents of big cities have to deal with more road rage incidents and longer commute times. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Consolidating policies can get discounts – Most companies allow discounts for people that have more than one policy. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, it’s always a smart idea to compare other insurance prices to help ensure you have the lowest rates.
  • Decrease rates by maintaining coverage – Not having insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. And not only will your rates increase, getting caught without coverage might get you a revoked license or a big fine. You may have to file a SR-22 with your state department of motor vehicles.

Save a ton with discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that may help make it more affordable. Certain discounts will be applied when you complete an application, but once in a while a discount must be specifically requested before you get the savings.

  • Memberships – Being in qualifying employment or professional organizations can get you a small discount on your bill.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.
  • No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote when compared with frequent claim filers.
  • Driver Education Discount – Have your child enroll in driver’s education as it can save substantially.
  • Multiple Policy Discount – If you can bundle your homeowners and auto insurance with one company you could get a discount of over 10 percent off each policy depending on the company.
  • Home Ownership Discount – Simply owning a home may earn you a small savings because it shows financial diligence.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Sign Early and Save – Some insurance companies provide a discount for signing up before your current policy expires. This can save 10% or more.
  • Early Payment Discounts – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
  • Driver Safety – Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.

A quick disclaimer, most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you aren’t that lucky.

Popular insurance companies and the discounts they provide can be found below.

  • Travelers may include discounts for continuous insurance, IntelliDrive, multi-policy, save driver, good student, early quote, and hybrid/electric vehicle.
  • 21st Century may offer discounts for theft prevention, air bags, anti-lock brakes, teen driver, good student, and homeowners.
  • State Farm discounts include accident-free, Steer Clear safe driver discount, student away at school, multiple autos, and Drive Safe & Save.
  • GEICO offers discounts for membership and employees, federal employee, good student, daytime running lights, and multi-vehicle.
  • SAFECO has discounts for accident prevention training, teen safety rewards, anti-lock brakes, drive less, homeowner, and safe driver.
  • AAA may have discounts that include pay-in-full, good driver, education and occupation, AAA membership discount, multi-policy, and good student.

When getting a coverage quote, ask each company which discounts can lower your rates. Some discounts listed above may not be offered in your state. If you would like to view insurance companies that offer many of these discounts, click here.

What is the best auto insurance coverage?

When it comes to buying coverage, there really is not a one size fits all plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions can help discover whether you might need professional guidance.

  • Who is covered when they drive my 2009 Dodge Grand Caravan?
  • Am I covered if I wreck a rental car?
  • Am I better off with higher deductibles on my 2009 Dodge Grand Caravan?
  • Is pleasure use cheaper than using my 2009 Dodge Grand Caravan to commute?
  • How much underlying liability do I need for an umbrella policy?
  • Will my rates increase for filing one claim?
  • Am I covered when driving someone else’s vehicle?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Specific coverages for a 2009 Dodge Grand Caravan

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Collision – Collision insurance will pay to fix damage to your Grand Caravan resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Dodge Grand Caravan.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Auto liability insurance – This coverage protects you from damage that occurs to people or other property by causing an accident. It protects you against other people’s claims. 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. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, falling objects, damage from getting keyed, a broken windshield and fire damage. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Don’t be a big spender

Cheaper 2009 Dodge Grand Caravan insurance can be sourced both online as well as from independent agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance companies may not have rates over the internet and these regional insurance providers only sell through independent agencies.

We covered many ideas to reduce 2009 Dodge Grand Caravan insurance premium rates online. The key concept to understand is the more you quote insurance coverage, the better chance you’ll have of finding the cheapest insurance coverage. Drivers may discover the best premium rates are with some of the smallest insurance companies. These companies may only write in your state and offer lower prices than their larger competitors like Progressive and GEICO.

When shopping online for insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In many cases, someone sacrificed uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

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