Cheap Insurance Quotes for a Dodge Grand Caravan in California

Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” should not appear anywhere in the article to describe car insurance rates. It’s just reality that cheap car insurance for a Dodge Grand Caravan is not always easy to find. Don’t let that discourage you, because we will show you how you can quote auto insurance that is more affordable than your current policy.

Your chances of finding the best cheap auto insurance for a Dodge Grand Caravan in California depends on many different factors such as your marital status, your credit history, and the deductible amount you use. Drivers in California pay around $1,700 every 12 months to insure a Grand Caravan, but that amount is using cost data for a 30-year-old single female that has both comprehensive and collision coverage and $100 deductibles.

When estimating a car insurance rate like we just did, the issue is that you may not be 30 years old (or even female), you might be married instead of single, or maybe you have a violation on your driving record. What seems to be a minor change in the factors used in pricing a policy could end up in a significant change in the cost of insurance.

Different coverage needs are the reason why the best way to find the most affordable coverage for your Dodge is to comparison shop your policy at every renewal or at least every couple of years. Quotes are always free and you will receive rate quotes from some of the best insurers in California.

Click to Compare Rates Now

The specific trim level will influence the cost of coverage, so the price you pay to insure a Grand Caravan CV model will be $204 cheaper than the price to insure the more expensive Grand Caravan SXT version, as shown in the chart below.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in garaging location in California which can affect premiums substantially.

Finding out which companies have the cheapest car insurance rates for a Dodge Grand Caravan involves a little more sweat in order to find the best policy.

Each auto insurer uses a slightly different approach for setting prices, so to begin we’ll rank the car insurance companies with the overall cheapest rates in California. It’s a good idea to know that California car insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply turning a year older, buying a home instead of renting, or having a fender bender may cause policy rate changes that can cause some rates to be more affordable than before.

Cheap Insurance Rates for Your Dodge

Compare Rates Today

USAA may offer some of the cheapest car insurance rates in California at around $1,155 annually. Wawanesa, Nationwide, Century National, and CSAA also rank well as some of the cheapest California car insurance companies.

In the rate table above, if you currently have a policy with Nationwide and switched to USAA, you might realize savings of in the vicinity of $58. Drivers with Century National could save as much as $71 a year, and CSAA policyholders might reduce rates by $79 a year.

These premiums are averaged across all drivers and vehicles in California and and are not figured with a specific rating modification for a Dodge Grand Caravan. So the auto insurance company that is most affordable for your situation may not even be shown in the list of companies above. That points out the importance of why you need to compare prices as often as possible using your own individual information.

Impact of citations and accidents on insurance rates

In a perfect world, the ideal way to receive the most affordable car insurance rates in California for a Grand Caravan is to be a safe driver and avoid accidents and traffic violations. The example below illustrates how violations and at-fault collisions can impact car insurance costs for each different age group. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of car insurance in California per year with no accidents or violations is $2,559. Factor in two speeding tickets and the average cost rises to $3,545, an increase of $986 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Dodge Grand Caravan increases to an average of $7,036. That’s an increase of $4,477, or $373 per month, just for not driving safely!

Full coverage rates compared to liability-only

Finding cheap insurance for a Dodge Grand Caravan in California should be important to most people, and one easy way to buy cheap insurance is to buy liability only. The information below illustrates the comparison of premium costs with full coverage compared to only the California minimum liability coverage. The premiums are based on no violations or claims, $250 deductibles, drivers are single, and no additional discounts are factored in.

If the expense is averaged for all age categories, comp and collision coverage costs an extra $2,553 per year over having just liability coverage. Many of you may wonder if you should buy full coverage. There is no definitive rule of when to exclude full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

How to find more affordable insurance for a Dodge Grand Caravan

It is possible to find better rates, and here are some of the recommended money-saving ideas that can help drivers locate the cheapest coverage.

• Tickets and violations raise rates
• Multi-policy discounts save money
• Pay for smaller claims out-of-pocket
• Increase your physical damage deductibles
• Being accident-free can lower rates significantly
• Good credit can help you save money
• Shop around and save

That last piece of advice is extraordinarily significant, as we pointed out in this write-up. Insurance rates in California change frequently, so drivers shouldn’t be reluctant to switch carriers if you can find a cheaper rate. Brand loyalty is great, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars a year. Spend a few minutes and compare rates to find cheaper insurance for a Dodge Grand Caravan.