How Much Does 2012 Dodge Grand Caravan Car Insurance Cost?

Looking for the cheapest auto insurance rates for your Dodge Grand Caravan? Finding lower premiums on auto insurance can be nearly impossible for people who are new to comparison shopping online. You have so many companies to choose from that it can easily become a lot of work to locate the lowest price.

Consumers should take time to compare prices periodically since insurance rates change quite often. Just because you found the lowest rates on Grand Caravan coverage on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the tricks you need to know to properly buy coverages while reducing your premium.

How to Lower Your Auto Insurance Cost

There are multiple methods you can shop for 2012 Dodge Grand Caravan auto insurance and some are easier and takes less work. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

The majority of car insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and every company can give them a price. This saves time by eliminating quote forms for each company you want a rate for.

To compare 2012 Dodge Grand Caravan rates now click to open in new window.

The single downside to using this type of system is you are unable to specify the providers to get pricing from. So if you prefer to choose specific insurance companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use the exact same coverages for every company. If you have mixed coverages it will be impossible to determine the lowest rate for your Dodge Grand Caravan. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, getting more free quotes will increase your chances of finding the best rates.

Which insurance is the “right” coverage?

When choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions might help in determining if you might need an agent’s assistance.

  • Do I have newly-aquired coverage?
  • How much can I save by bundling my policies?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my 2012 Dodge Grand Caravan covered for flood damage?
  • Am I covered when driving on a suspended license?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverage considerations

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Grand Caravan.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for pain medications, EMT expenses, prosthetic devices and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This can cover damage that occurs to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, funeral expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.