Save on 2014 Dodge Grand Caravan Car Insurance Rates

Searching for lower car insurance rates for your Dodge Grand Caravan? Did budget coverage turn out to be overpriced car insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like GEICO, Farmers Insurance and State Farm continually bombard you with ads and it is challenging if not impossible to ignore the flashy ads and find the best price available.

Consumers need to check car insurance prices occasionally since insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest quotes on Grand Caravan insurance two years ago you may be paying too much now. Block out anything you think you know about car insurance because we’re going to demonstrate the tricks you need to know to buy cheaper car insurance.

Auto insurance quotes comparison

Lowering your 2014 Dodge Grand Caravan auto insurance rates is a great way to save money. The only requirement is to spend a little time getting comparison quotes online from several insurance companies. This can be done by following the guidelines below.

  1. Experts agree that the best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for separate quotation requests for each company. In just a few minutes this one form gets prices estimates from auto insurance companies with the best prices.
  2. A more time consuming way to compare rate quotes requires a visit to each individual company website and request a quote. For sake of this example, we’ll assume you need rates from Nationwide, State Farm and Liberty Mutual. In order to compare rates, you need to take the time to go to each site and punch in your information repeatedly, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.
  3. Even if you have time, the least recommended method to quote and compare insurance rates to all the different insurance agencies. Comparing rates online makes this unnecessary unless you want the advice and guidance that only a licensed agent can provide. Some companies do allow you to compare online quotes but have a local agent actually write the policy.

It’s your choice how you get your quotes, but be certain you are entering the exact same coverages and limits on every price quote you get. If you have different limits and deductibles on each one you will not be able to make a fair rate comparison.

Cheaper rates by taking advantage of discounts

Not too many consumers would say insurance coverage is affordable, but you can get discounts that may help make it more affordable. Some discounts will apply when you complete an application, but once in a while a discount must be specifically requested before you get the savings. If you are not receiving all the discounts you deserve, you could be saving more on your insurance coverage.

  • Seat Belt Discounts – Requiring all passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
  • Defensive Driver Discounts – Taking part in a class that teaches defensive driving techniques may get you a small discount and also improve your driving technique.
  • E-sign Discounts – A handful of companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Mature Driver Discount – Mature drivers may be able to get reduced rates on Grand Caravan insurance.
  • Distant College Student Discount – who are attending college and do not take a car to college can receive lower rates.

One thing to note about discounts is that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Larger insurance coverage companies and their offered discounts are shown below.

  • State Farm may include discounts for Steer Clear safe driver discount, multiple policy, accident-free, safe vehicle, passive restraint, anti-theft, and good student.
  • American Family policyholders can earn discounts including good student, multi-vehicle, good driver, defensive driver, TimeAway discount, bundled insurance, and mySafetyValet.
  • AAA has savings for good driver, multi-policy, anti-theft, pay-in-full, education and occupation, and good student.
  • GEICO offers premium reductions for multi-policy, emergency military deployment, military active duty, defensive driver, anti-lock brakes, multi-vehicle, and daytime running lights.
  • Mercury Insurance may have discounts that include anti-theft, annual mileage, accident-free, type of vehicle, multi-car, good student, and good driver.
  • Farmers Insurance has discounts for pay in full, mature driver, homeowner, electronic funds transfer, early shopping, and bundle discounts.
  • Progressive offers discounts including continuous coverage, multi-policy, multi-vehicle, homeowner, good student, online quote discount, and online signing.

Before buying, ask every prospective company how many discounts you can get. Some discounts listed above may not be offered in your area. To locate companies with the best discounts, click here.

How much auto insurance do I need?

When choosing adequate coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether you would benefit from professional advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Am I better off with higher deductibles on my 2014 Dodge Grand Caravan?
  • Am I covered if I drive in a foreign country?
  • Does my personal policy cover me when driving out-of-state?
  • Should I have combined single limit or split liability limits?
  • How much liability coverage do I need in my state?
  • What is an SR-22 filing?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Lower your insurance rates

Many different elements are part of the calculation when quoting car insurance. Some factors are common sense such as your driving history, but others are more obscure like where you live or your commute time.

  • Traffic violations drive up prices – Your driving citation history impacts premiums far more than you think. Having just one citation may increase your cost substantially. Attentive drivers get better rates as compared to those with violations. Drivers unfortunate enough to have flagrant violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a SR-22 with their state in order to keep their license.
  • Safer vehicles save money – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce occupant injuries and better occupant protection means less money paid by your insurance company which can result in lower premiums.
  • How your age affects premiums – Mature drivers are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.Inexperience drivers have a tendency to get distracted easily when at the wheel of a vehicle therefore auto insurance rates are much higher.
  • You might want pay the minor auto insurance claims yourself – If you are the type of insured that files lots of claims don’t be surprised to see higher premiums or even policy non-renewal. Companies award the lowest premiums to policyholders who are not frequent claim filers. Auto insurance is intended for claims that you cannot pay yourself.

Advertising myths

Consumers can’t get away from all the ads for the lowest price auto insurance by companies like State Farm and Allstate. They all make the point about savings if you move your coverage to them.

It sounds good, but how can they all give you a lower rate? Just pay attention to how they say it.

All the different companies offer their best rates for the type of insured that will generate a profit. For example, a profitable customer could possibly be a married female, owns their home, and drives a safe vehicle. Anyone who fits those characteristics will probably get the lowest prices as well as save quite a bit of money when switching.

Drivers who don’t qualify for these standards will get a more expensive rate which usually ends up with the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” save that much. This is how insurance companies can make claims like that.

Because each company has a different risk profile, drivers should compare many company’s car insurance rates. It’s impossible to know which auto insurance company will be your best fit.

Coverages available on your car insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Liability coverages

This can cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, repair costs for stationary objects, bail bonds and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

Collision coverage covers damage to your Grand Caravan resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, sustaining damage from a pot hole, crashing into a building, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like rehabilitation expenses, prosthetic devices, hospital visits, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, hail damage, hitting a bird and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More choices the merrier

As you quote insurance coverage, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible for the lowest price and still be able to protect your assets.

Cheap 2014 Dodge Grand Caravan insurance can be purchased from both online companies and with local insurance agents, and you should compare rates from both to have the best rate selection. A few companies don’t offer rates over the internet and these regional carriers work with independent insurance agencies.

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