How Much Does 2013 Dodge Grand Caravan Car Insurance Cost?

Searching for lower car insurance rates for your Dodge Grand Caravan? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you’re not the only one. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with catchy ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

Take discounts and save

Companies offering auto insurance do not list all their discounts very clearly, so we researched some of the more common and the harder-to-find auto insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Grand Caravan coverage with certain companies.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • No Claims – Claim-free drivers can earn big discounts compared to bad drivers.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.

Car insurance companies that may have these benefits may include but are not limited to:

Double check with each insurance company which discounts they offer. Savings may not apply everywhere.

Insurance Coverage Prices Online

Shopping for lower insurance coverage rates can be challenging if you don’t utilize the most efficient way. You can waste a lot of time discussing policy coverages with agents in your area, or you can utilize the web to achieve your goal.

The majority of car insurance companies participate in a marketplace that enables customers to submit one quote, and every company returns a competitive quote based on that data. This saves time by eliminating quotation requests for every insurance coverage company.

To find out how much you can save on insurance coverage click here to open in new window.

The only drawback to using this type of system is you are unable to specify the companies to get quotes from. So if you want to select individual companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, double check that you are using exactly the same coverage limits and deductibles for each price quote. If the quotes have mixed coverages it’s impossible to determine which rate is truly the best.

Some factors that can determine what Dodge Grand Caravan insurance costs

An important part of buying insurance is that you know the different types of things that play a part in calculating your insurance coverage rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • A clean driving record saves money – Even one moving violation may increase your cost by as much as thirty percent. Drivers with clean records receive lower 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.
  • Car features impact rates – Owning a car with an alarm system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Add-on coverages can add up – There are many extra coverages that you can get tricked into buying on your insurance coverage policy. Coverages for personal injury protection, accidental death and motor club memberships are examples of these. They may seem good at first, but if you don’t need them eliminate them to save money.
  • Your job and insurance rates – Did you know your job can affect your rates? Occupations such as real estate brokers, architects and financial analysts tend to have higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, professions such as scientists, engineers and homemakers receive lower rates on Grand Caravan coverage.

Which policy gives me the best coverage?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine whether you might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Is business equipment covered while in my vehicle?
  • Can I get a multi-policy discount?
  • Am I covered when pulling a rental trailer?
  • Who is covered by my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a 2013 Dodge Grand Caravan

Understanding the coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Collision coverage

Collision insurance will pay to fix damage to your Grand Caravan caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverages

This provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, medical services and attorney fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” 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.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, damage from getting keyed and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like prosthetic devices, surgery, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Smart consumers save more

The cheapest 2013 Dodge Grand Caravan insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, never buy less coverage just to save a little money. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Additional car insurance information can be read on the following sites: