2014 Dodge Grand Caravan Insurance Rates

Are you confused by the crazy number of insurance coverage companies? You have a lot of company. Drivers have so many choices that it can be a challenge to compare prices.

The purpose of this post is to introduce you to the best way to quote coverages. If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Nevertheless, car owners should learn how big insurance companies price insurance differently and use this information to your advantage.

Vehicle Insurance Comparison

All the larger car insurance companies allow you to get price estimates online. This process doesn’t take a lot of time as you just type in the coverage amounts you desire into the quote form. After you submit the form their system collects reports for credit and driving violations and returns a price quote based on these and other factors.

Online quotes simplifies rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible if you are searching for the lowest price.

A less time-consuming method to lower your rates uses one simple form to obtain quotes from several different companies. This type of form saves time, requires less work, and makes online price comparison much simpler. Immediately after you send the form, it is quoted and you can choose your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and could lower your rates considerably.

To compare pricing, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you replicate your coverages as close as possible to your current policy. This ensures you will have an apples-to-apples comparison for similar coverage.

How to save on Dodge Grand Caravan insurance

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically at the time of purchase, but a few need to be specially asked for before being credited.

Save over 55 – If you’re over the age of 55, you can possibly qualify for reduced rates for Grand Caravan coverage.
Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Drive Safe and Save – Insureds without accidents may save up to 50% more for Grand Caravan coverage than drivers with accidents.
New Car Discount – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
Homeowners Pay Less – Owning a home can save you money because of the fact that having a home shows financial diligence.
Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up online.
Air Bag Discount – Factory air bags or motorized seat belts can receive discounts up to 30%.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way. But any discount will bring down your premiums.

To see a list of insurance companies who offer insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

Am I covered if I break a side mirror?
Why am I required to buy liability insurance?
Do I have coverage when using my vehicle for my home business?
Do I have coverage when making deliveries for my home business?
What discounts do I qualify for?
Is my custom paint covered by insurance?
What is no-fault insurance?
Are my friends covered when driving my car?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

What insurance coverages do you need?

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, a broken windshield, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This pays for damage to your Grand Caravan resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Auto liability

This provides protection from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and doesn’t cover 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 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, pain and suffering, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2014 Dodge Grand Caravan.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible