Save on 2014 Dodge Grand Caravan Insurance Rates

Are you intimidated by the sheer number of insurance coverage companies? Lot’s of other consumers are too. People have so many options available that it can turn into a real hassle to find better rates.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be asked about prior to receiving the credit.

  • Accident Free – Claim-free drivers pay less compared to drivers who are more careless.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for better car insurance rates on Grand Caravan insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, car insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.

For a list of companies with discount car insurance rates, follow this link.

The most recommended method to compare rates is to know car insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is provide the companies a bit of rating information including the type of vehicles you drive, whether the vehicles are used for commuting, how much school you completed, and how much you drive. That information is submitted instantly to multiple insurance providers and they provide comparison quotes quickly.

To start a rate quote now, click here and complete the quick form.

Pieces of the Dodge Grand Caravan insurance rate puzzle

It’s important that you understand the rating factors that go into determining the rates you pay for insurance coverage. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Better credit scores mean better rates – Credit rating is a important factor in determining what you pay for insurance coverage. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower ratings. Therefore, if your credit history can use some improvement, you could be paying less to insure your 2014 Dodge Grand Caravan by spending a little time repairing your credit.
  • Your stress level may be raising your rates – Occupations such as judges, executives and stock brokers tend to pay the highest rates because of high stress levels and lengthy work days. On the other hand, occupations like farmers, students and the unemployed have the lowest average rates on Grand Caravan insurance.
  • Don’t skimp on liability – Liability insurance is the protection if ever a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Extra add-on coverages are wasting money – There are quite a few extra bells and whistles you can purchase on your 2014 Grand Caravan policy. Coverages for vanishing deductibles, better glass coverage and motor club memberships may be wasting your money. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Dodge is rated at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Tickets mean higher rates – A bad driving record has a huge affect on how much you pay. Even one citation may increase your cost forty percent or more. Drivers with clean records get better rates than their less careful counterparts. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Low deductibles can be expensive – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Dodge. A few examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. Deductibles for physical damage are how much you are willing to pay out-of-pocket before your insurance coverage pays a claim. The more expense you have to pay, the bigger discount you will receive on Grand Caravan insurance.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can look forward to higher rates. Auto insurance companies generally give cheaper rates to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of larger claims.

Different people need different coverages

When buying the best insurance coverage coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you would benefit from professional advice.

  • Is a fancy paint job covered?
  • Where can I find DUI or SR-22 insurance?
  • When should I not file a claim?
  • What vehicles should carry emergency assistance coverage?
  • Why do I only qualify for high-risk insurance?
  • Is my state a no-fault state?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverage breakdown

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability car insurance

This coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, repair costs for stationary objects, emergency aid and medical services. How much coverage you buy is your choice, but you should buy higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your Grand Caravan resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2014 Dodge Grand Caravan.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as chiropractic care, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, theft, hail damage and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Power to the consumer

Drivers leave their current company for many reasons like denial of a claim, questionable increases in premium, poor customer service and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

When shopping online for insurance, it’s not a good idea to reduce needed coverages to save money. Too many times, an insured cut comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

We just showed you quite a bit of information on how to reduce 2014 Dodge Grand Caravan insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best price on insurance is with some of the smallest insurance companies.

Additional insurance information is available on the following sites: