2011 Dodge Grand Caravan Insurance Rates – 6 Tips to Save

Want the cheapest car insurance rates for your Dodge Grand Caravan? Finding better rates for car insurance is nearly impossible for beginners to buying insurance online. Drivers have so many choices that it can easily become a challenge to compare prices.

You should take the time to compare rates quite often due to the fact that insurance rates fluctuate regularly. Even if you think you had the best deal for Grand Caravan coverage a few years ago other companies may now be cheaper. Don’t believe everything you read about car insurance online but by reading this article, you’re going to learn some proven techniques to find cheap car insurance.

Cut your car insurance rates with these six discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. A few discounts will automatically apply at the time of quoting, but some must be asked about before you will receive the discount.

  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Grand Caravan coverage depending on your company.
  • Auto/Home Discount – If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Forgiveness – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will help reduce the amount you have to pay.

Car insurance companies who might offer these discounts include:

Check with every prospective company which discounts they offer. All car insurance discounts may not apply in every state.

Is there truth in advertising?

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all make an identical promise about savings after switching to their company. How does each company make the same claim?

All companies are able to cherry pick for the driver that is profitable for them. A good example of a desirable insured might be profiled as between 25 and 40, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Drivers who don’t qualify for the requirements must pay higher prices which leads to the customer not buying. The ad wording is “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can make the claims of big savings.

This illustrates why you need to get as many comparisons as possible. You cannot predict which company will have the lowest Dodge Grand Caravan insurance rates.

You are unique and your car insurance should be too

When choosing adequate coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • What are the best liability limits?
  • What discounts do I qualify for?
  • Are my friends covered when driving my 2011 Dodge Grand Caravan?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Learn about insurance coverages for a Dodge Grand Caravan

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, theft, hitting a bird and vandalism. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses 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 only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail, rolling your car, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, hospital visits, rehabilitation expenses, surgery and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This coverage will cover damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, attorney fees, medical expenses, emergency aid and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Keep this in mind

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at an affordable rate.

Budget-conscious 2011 Dodge Grand Caravan insurance can be bought on the web and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Consumers who switch companies do it for many reasons like poor customer service, policy cancellation, high prices or delays in responding to claim requests. Whatever your reason, finding a new company can be easier than you think.

Additional insurance coverage information is available at these links: