Dodge Grand Caravan insurance image courtesy of QuoteInspector.com
Finding affordable car insurance for a Dodge Grand Caravan relies on a large number of rating criteria such as whether the vehicle is new, the condition of your credit, and if you have tickets or violations. Drivers will pay on average $1,146 annually for Grand Caravan insurance, but that price is a valuation based upon a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you're not a 30-year-old male, you might be married instead of single, or maybe you don't qualify for the same discounts. Auto insurance is unique to each driver, so the best way to find the cheapest rates for your Dodge is to do a thorough rate comparison.
Find Cheaper Dodge Grand Caravan Insurance
Your vehicle's trim level tends to impact the insurance rate, so the price you will pay to insure a Grand Caravan CV trim level will be $96 cheaper than the insurance cost for the fancier Grand Caravan SXT model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $240 | $298 | $578 | $34 | $174 | $1,324 | $110 |
| Grand Caravan SE | $240 | $298 | $578 | $34 | $174 | $1,324 | $110 |
| Grand Caravan Hero | $240 | $362 | $578 | $34 | $174 | $1,388 | $116 |
| Grand Caravan Crew | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
| Grand Caravan SXT | $272 | $362 | $578 | $34 | $174 | $1,420 | $118 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in specific location information which can increase or decrease insurance rates substantially.
Buying coverage from a highly-rated insurance company can be challenging considering how many companies are available to choose from in San Diego. The company information in the next section could help you choose which car insurance providers you want to consider when comparing rate quotes.
These ratings are only made up of companies that insure vehicles nationwide, so companies without a large exposure are not included in these rankings. If you'd like to compare prices from these and other companies in California, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Full coverage or liability only
Finding the cheapest car insurance is important to most vehicle owners, and one way to buy cheaper insurance for a Dodge Grand Caravan is to not buy comprehensive and collision coverage. The example below illustrates the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no violations or accidents, $500 deductibles, single status, and no discounts are applied.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs an extra $2,305 per year over and above liability only. Many drivers will wonder if paying for full coverage is a waste of money. There isn't a steadfast formula of when to drop physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
There are some situations where buying only liability insurance is not a good plan. If you haven't paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Types of discounts on San Diego insurance rates
Insurers that provide policies for a Dodge Grand Caravan may have premium discounts that could reduce prices by as much as 25% or more if you qualify. The best car insurance companies and some of the premium reductions they offer are outlined below.
- State Farm policyholders can earn discounts including defensive driving training, multiple policy, safe vehicle, good student, driver's education, and multiple autos.
- GEICO discounts include seat belt use, driver training, defensive driver, membership and employees, anti-lock brakes, good student, and military active duty.
- SAFECO offers discounts including teen safe driver, accident prevention training, drive less, safe driver, anti-theft, and homeowner.
- Farmers Insurance may have discounts that include good student, distant student, business and professional, homeowner, and bundle discounts.
- AAA offers premium reductions for pay-in-full, anti-theft, good driver, AAA membership discount, education and occupation, and multi-car.
- USAA includes discounts for driver training, family discount, safe driver, military installation, multi-policy, and loyalty savings.
The information below visualizes the comparison of insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, homeowner, anti-theft, defensive driving course, multiple policy, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for a Dodge Grand Caravan is 28% or $735.
If you prefer to have professional advice when shopping for cheaper insurance for a Grand Caravan, the professional agents shown below are a good start to answer your questions and help you decide which car insurance policy is best.
To locate a San Diego car insurance agency nearest to you, click the link at the bottom.
Mike Davis - State Farm Insurance Agent
2254 Moore St #103 - San Diego, CA 92110 - (619) 295-8412
Allstate Insurance: Jing Zeng Financial and Insurance Service
7323 Convoy Ct # B111 - San Diego, CA 92111 - (858) 268-7010
Leavitt Group - Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 - San Diego, CA 92122 - (858) 436-2441
View map of San Diego, CA insurance agents
How to find cheaper car insurance for a Dodge Grand Caravan
The list below details some penny-pinching ideas that can help drivers get cheap car insurance.
- Maintain a safe distance and avoid accidents
- Drive safe vehicles
- Increase your physical damage deductibles
- Don't waste money on full coverage for older vehicles
- Tickets and violations raise rates
- Higher credit ratings may save you money
- Shop your coverage around for the best deal
The last suggestion is very vital, as we pointed out in the prior article. Rates change a lot, so don't be hesitant to switch companies if a better rate can be found. Brand loyalty is great, but it isn't a good idea if it's costing you money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper insurance for a Dodge Grand Caravan in San Diego.