Compare 2006 Dodge Grand Caravan Insurance Rates

Searching for the cheapest auto insurance rates? Consumers have options when looking for affordable Dodge Grand Caravan insurance. You can either waste hours calling around to compare prices or leverage the internet to find the lowest rates. There is a right way and a wrong way to find auto insurance online so you’re going to learn the proper way to price shop coverage for your Dodge and get the cheapest rates.

You need to get comparison quotes at least once a year since rates are usually higher with each renewal. If you had the lowest rates on Grand Caravan insurance two years ago there is a good chance you can find better rates now. Starting right now, forget all the misinformation about auto insurance because you’re going to learn how to quote online to save money, get proper coverage and the best rates.

Low Cost Insurance Coverage

All major insurance coverage companies provide insurance quotes directly from their websites. Obtaining pricing is pretty easy as you just type in your coverage preferences into a form. Behind the scenes, the company’s rating system will order your driving and credit reports and generates pricing information.

This streamlines rate comparisons, but having to visit each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible in order to find the lowest possible prices on insurance coverage.

A less time-consuming method to get multiple rate quotes is to use a quote form to return rates from several different companies. This type of form saves time, requires much less work on your part, and makes price shopping online much more enjoyable. Immediately after you send the form, it gets priced and you can choose any of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process just takes a couple of minutes and you will know how your current rates stack up.

To save time and compare pricing, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you complete the form with the limits and deductibles identical to your current policy. This helps ensure you’re receiving rate comparison quotes using the same coverage and limits.

Discounts are great for lower rates

Companies don’t always publicize every available discount very clearly, so we break down both well-publicized and also the lesser-known discounts you could be receiving. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Driver Safety – Taking part in a defensive driving course could save 5% or more if you qualify.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Good Student – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.

It’s important to note that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Savings might not apply everywhere.

Dodge Grand Caravan rates are in the details

It’s important that you understand the different types of things that go into determining the rates you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that could result in lower car insurance prices.

Listed below are a few of the “ingredients” used by your company to calculate premiums.

  • Where you reside plays a part – Living in small towns and rural areas has it’s advantages when talking about car insurance. Fewer people means reduced accidents and a lower car theft rate. Urban drivers have congested traffic and longer commute times. More time commuting can result in more accidents.
  • Don’t get talked into coverage you don’t need – There are quite a few add-on coverages that you can get tricked into buying when buying car insurance. Things like personal injury protection, accidental death and membership fees may be costing you every month. These coverages may sound good at first, but your needs may have changed so remove them from your policy.
  • Marriage pays dividends – Having a wife or husband helps lower the price when buying car insurance. Marriage usually means you are more responsible it has been statistically shown that being married results in fewer claims.
  • Drive less and save money – The higher the mileage driven each year the higher your rates will be. Almost all companies apply a rate based on how the vehicle is used. Autos not used for work or commuting receive lower rates than those used for commuting. Having the wrong rating on your Grand Caravan may be wasting your money. Ask your agent if your car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates. If your Dodge scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Frequent car insurance claims increase rates – If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Companies award discounts to people who file claims infrequently. Auto insurance is intended for larger claims.
  • Protect your assets with liability insurance – The liability section of your policy provides coverage if you are found to be at fault for damages from an accident. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.

You may need specialized coverage

When buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • Can I make deliveries for my home business?
  • Will my rates increase for filing one claim?
  • What is PIP insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need rental car coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Can switching companies really save?

Consumers can’t get away from ads for the lowest price auto insurance by companies like State Farm and Allstate. They all say the same thing that you’ll save big after switching to them.

But how can every company claim to save you money?

Insurance companies have a preferred profile for the type of customer that earns them a profit. For instance, a preferred risk might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. A driver who matches those parameters receives the best rates and as a result will probably save quite a bit of money when switching.

Drivers who are not a match for the “perfect” profile must pay higher prices and ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can make the claims of big savings. This illustrates why it is so important to get as many comparisons as possible. It’s not possible to predict which insurance coverage company will have the lowest Dodge Grand Caravan insurance rates.

Car insurance coverages explained

Knowing the specifics of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills for prosthetic devices, rehabilitation expenses, funeral costs, chiropractic care and nursing services. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage 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 and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Dodge Grand Caravan.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, hitting a deer, fire damage and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability – Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and 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. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as structural damage, funeral expenses, bail bonds, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Quote more. Save more.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest price.

Consumers switch companies for any number of reasons including policy non-renewal, questionable increases in premium, high prices or even high rates after DUI convictions. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented a lot of ways to reduce 2006 Dodge Grand Caravan insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies.

Much more information about insurance can be found below: