Best Cheap Insurance for a Dodge Grand Caravan in Oregon

Best Cheap Insurance for a Dodge Grand Caravan in Oregon

Because the topic is auto insurance, the words “cheap” or “affordable” should not appear anywhere in the article to describe car insurance rates. Notwithstanding, cheap car insurance for a Dodge Grand Caravan may be a thing of the past. But don’t despair, because we are going to show you how you can still get insurance that is affordable.

Buying cheaper auto insurance for a Dodge Grand Caravan in Oregon depends on factors such as the safety rating of your vehicle, your credit status, and citations on your driving record. Drivers will pay on average $790 per year for Grand Caravan insurance, but that cost is calculated using a 50-year-old married male driver who purchased full coverage and $250 policy deductibles.

The issue with using an average estimated rate is the likelihood you are not exactly 50 years old and possibly not even male, possibly single instead of married, or maybe you’ve had an at-fault accident or two. There is no perfect policy for every driver, so the way we recommend to find cheap insurance rates for your Dodge is to make a habit of comparing rates at every renewal.

Compare Dodge Grand Caravan Insurance Rates

The trim level of your Dodge impacts the annual cost of coverage, so the cost to insure a Grand Caravan CV trim level will be $90 cheaper than the insurance cost for the higher-end Grand Caravan SXT version, as shown in the chart below.

Dodge Grand Caravan Insurance Rates in Oregon
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $192 $290 $306 $18 $92 $898 $75
Grand Caravan SE $192 $290 $306 $18 $92 $898 $75
Grand Caravan Hero $192 $354 $306 $18 $92 $962 $80
Grand Caravan Crew $218 $354 $306 $18 $92 $988 $82
Grand Caravan SXT $218 $354 $306 $18 $92 $988 $82
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in specific Oregon garaging location which can increase or decrease premium rates noticeably.

Picking the right insurance company is difficult considering how many companies there are in Oregon. The company rank data in the lists below can help you analyze which car insurance providers you want to consider shopping prices with. The ratings below are for companies that insure vehicles across America, so smaller companies are not included in these rankings.

Top 10 Major Auto Insurers in Oregon Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. GEICO
  6. Liberty Mutual
  7. Allstate
  8. The Hartford
  9. The General
  10. 21st Century

Top Companies for Dodge Grand Caravan Insurance in Oregon

How much more does full coverage cost in Oregon?

Finding the best cheap insurance for a Dodge Grand Caravan in Oregon is important to most people, and an easy way to find cheap insurance is to only pay for liability coverage. The chart below visualizes the comparison of insurance premiums with full coverage compared to only the Oregon minimum liability coverage. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.

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If averaged out across all ages, comp and collision coverage costs an additional $1,502 per year more than buying just liability insurance. That is a large expense which might make you wonder if it’s a good idea to buy full coverage. There isn’t a written rule to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are some conditions where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Impact of speeding/accidents on Oregon car insurance rates

The obvious way to obtain the cheapest car insurance prices in Oregon for a Grand Caravan is to be a good driver and avoid accidents and violations. The information below demonstrates how traffic citations and accidents drive up annual premium costs for different age groups of insureds. Data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3035,3749,6273],[‘Age 30’, 2103,2815,5343],[‘Age 40’, 1951,2663,5187],[‘Age 50’, 1707,2419,4943],[‘Age 60’, 1651,2361,4889],[‘Age 70’, 1921,2631,5157]]);var options = {title: ‘Violations, Accidents, and Oregon Dodge Grand Caravan Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Grand Caravan in Oregon’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of car insurance in Oregon per year with a clean driving record and no accidents is $2,061. Get two speeding tickets and the average cost increases to $2,773, an increase of $712 each year. Now add two accidents along with the two speeding tickets and the yearly cost of car insurance for a Dodge Grand Caravan increases to an average of $5,299. That’s an increase of $3,237, or $270 per month, just for not driving safely!

Which car insurance company is best?

When shopping for auto insurance, four of the larger companies to compare rates for are State Farm, Allstate, Geico, and Progressive. When combined, they make up about 50% of all policies written in the United States. All four can cover your vehicle for liability and physical damage, but each one has different optional coverages and features that may influence your buying decision. The data below compares some of the different features .

State Farm, Allstate, Geico, and Progressive Compared
State Farm Allstate Geico Progressive
Discounts Offered 3rd 1st 2nd 4th
Customer Satisfaction 4th 2nd 1st 3rd
Price Ranking 2nd 4th 1st 3rd
Handling of Claims 2nd 1st 3rd 4th
Recommend by customers 88% 86% 87% 88%
New car replacement coverage No Yes No No
Mechnical breakdown No No Yes Yes
Rideshare coverage Yes Yes Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Usage-based rating Yes Yes No Yes
Accident forgiveness No Yes Yes Yes
Available in Oregon Yes Yes Yes Yes
Where to buy State Farm exclusive agents Allstate-only agents Both online and from Geico agents Online or from independent agents
Number of agents 18,000+ 11,000+ 150+ 30,000+
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