2010 Dodge Grand Caravan Insurance Rates

Have you had enough of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as the majority of other car owners. Companies like Geico, Progressive and Allstate promote their brand names with ads and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Choosing the best insurance company for you is quite easy. Drivers just need to know the best way to compare prices online.

Vehicle Insurance Comparison

Shopping for lower insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You can waste hours talking to agents in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in a marketplace that enables customers to submit one quote, and each company returns a rated price for coverage. This prevents consumers from doing quote forms to each individual insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to getting quotes like this is that you can’t choose the insurers you want pricing from. If you wish to select specific providers to request quotes from, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but double check that you are using apples-to-apples coverage information for every company. If you are comparing different liability limits you will not be able to determine which rate is truly the best.

Buyer beware of auto insurance advertising tricks

Drivers constantly see and hear ads for cheaper car insurance from companies such as State Farm, Allstate and Geico. All the ads make an identical promise about savings if you switch your policy.

How do they all say the same thing?

All the different companies are able to cherry pick for the right customer that makes them money. For instance, a preferred risk might be between 25 and 40, a clean driving record, and has excellent credit. A propective insured who meets those qualifications receives the best rates and therefore will save when switching.

Potential customers who are not a match for the “perfect” profile will be quoted a more expensive rate and this can result in the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. This is how insurance companies can state the savings.

This emphasizes why you need to get as many quotes as possible. It’s not possible to predict which company will have the lowest Dodge Grand Caravan insurance rates.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but some must be requested specifically before they will apply. If you don’t get every credit you deserve, you are throwing money away.

  • Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Drive Less and Save – Fewer annual miles on your Dodge can qualify you for discounted rates on garaged vehicles.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.

It’s important to note that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will reduce the amount you have to pay.

For a list of companies with the best insurance discounts, click here.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. These are some specific questions can help discover if your situation may require specific advice.

  • Do I really need UM/UIM coverage?
  • What if I don’t agree with a claim settlement offer?
  • Can I rent a car in Mexico?
  • Is my ex-spouse still covered by my policy?
  • Are split liability limits better than a combined single limit?
  • Will I lose any money if I cancel my policy before it expires?
  • Exactly who is provided coverage by my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage breakdown

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for dental work, ambulance fees, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage covers 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 can pay for things like damage from flooding, vandalism, rock chips in glass, a broken windshield and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage covers damage to your Grand Caravan from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, rolling your car, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Auto liability

Liability coverage will cover damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Don’t be a big spender

Low-cost 2010 Dodge Grand Caravan insurance is available online and also from your neighborhood agents, and you should be comparing both to have the best selection. A few companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at a price you can afford.

We just covered many ideas to compare insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a small mutual company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

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