Cheaper 2007 Dodge Grand Caravan Insurance Quotes

I can’t think of a single person who looks forward to buying auto insurance, in particular when the cost is way too high.

Since consumers have many options, it is hard for the average consumer to locate the lowest cost insurer.

It’s a good idea to compare prices on a regular basis because rates are constantly changing. Despite the fact that you may have had the best price on Grand Caravan insurance six months ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is quite easy. Basically, every vehicle owner who carries car insurance should be able to find better rates. But vehicle owners should learn the way insurance companies sell online and apply this information to your search.

Save big with these discounts

Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so here is a list some of the more common as well as the least known savings tricks you should be using.

  • New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • No Claims – Claim-free drivers pay less when compared with drivers who are more careless.

Keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

To see a list of companies with the best insurance coverage discounts, click here.

Factors that can influence Dodge Grand Caravan insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that can help you get big savings.

  • Policy add-ons can waste money – There are many add-on coverages that you can buy on your auto insurance policy. Coverages for roadside assistance, towing coverage and motor club memberships are some examples. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Traffic violations increase rates – Your driving record has a big impact on rates. Even a single speeding ticket can increase rates by as much as thirty percent. Good drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Multi-policy discounts can save money – Most insurance companies provide better rates to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money.
  • Credit scores impact auto insurance rates – Your credit rating is a huge factor in calculating your auto insurance rates. People with good credit tend to be more responsible as compared to drivers with poor credit. Therefore, if your credit history can use some improvement, you could be paying less to insure your 2007 Dodge Grand Caravan by repairing your credit.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Women and men have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as reckless driving.
  • Car features impact rates – Driving a car with an alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Rate your vehicle for proper use – Driving more miles each year the higher your rates will be. Almost all companies charge to insure your cars based on their usage. Autos used primarily for pleasure use get more affordable rates than those used for commuting. An improperly rated Grand Caravan may be wasting your money. Double check that your auto insurance coverage is rated on the proper vehicle usage.
  • Marriage pays dividends – Being married can get you a discount on your policy. Having a significant other means you’re more mature and responsible and it’s statistically proven that drivers who are married are more cautious.

But I don’t know anything about car insurance

When choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions might point out whether your personal situation may require specific advice.

  • When should I buy a commercial auto policy?
  • Should I buy additional glass protection?
  • Do I need motorclub coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How can I force my company to pay a claim?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverage details

Having a good grasp of auto insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Dodge Grand Caravan.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, chiropractic care, X-ray expenses, surgery and dental work. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This will cover injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people. It does not 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 liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, pain and suffering, medical services, bail bonds and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Coverage for collisions

This covers damage to your Grand Caravan resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Knowledge is power

Cheaper 2007 Dodge Grand Caravan insurance can be bought both online as well as from independent agents, so you should compare both to have the best rate selection. A few companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

In this article, we presented many ideas to shop for insurance online. The most important thing to understand is the more you quote, the better your comparison will be. You may even discover the lowest rates come from a small local company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

Much more information about insurance coverage is located on the following sites: