Who Has the Cheapest Insurance for a Dodge Grand Caravan in West Virginia?

Our staff writers always rib each other than when writing about car insurance, the words “affordable” or “cheap” should not be used anywhere to describe car insurance rates. It’s just reality that cheap car insurance for a Dodge Grand Caravan does not exist. Don’t let that get you down, though, because there may be ways you can still get insurance that doesn’t cost an arm and a leg.

Your chances of finding the best cheap insurance for a Dodge Grand Caravan in West Virginia depends upon a lot of things such as your birth date, if you have ever let your coverage lapse, and any prior driving citations you have received. West Virginia drivers pay approximately $990 every 12 months to insure a Dodge Grand Caravan, but that figure is a ballpark figure based on rate data for a 50-year-old married male that included both comprehensive and collision coverage and $100 deductibles.

The problem with using this number is the good chance you are not 50 and maybe not even a male, single instead of married, or maybe you have a violation on your driving record. Everone’s needs are different, and this illustrates why the only way to find cheap insurance prices for your Dodge is to shop around at every renewal for lower rates.

Save Now on Grand Caravan Insurance

The specific model of Grand Caravan will most likely have an effect on price, so the price you will pay to insure a Grand Caravan CV will be $120 less than the price to insure the fancier Grand Caravan SXT model, as shown below.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific West Virginia garaging location which can influence premiums considerably.

Ending up with a good quality car insurance company can be difficult considering how many different companies there are to choose from in West Virginia. The rank data in the lists below can help you decide which coverage providers you want to consider comparing rates with.

These rankings include the largest companies in the United States, so companies that have a smaller presence will not be included in the list. If you would like to check rates from these top-rated insurers and more, click this link.

Top 10 Major Auto Insurance Providers Overall in West Virginia

1. USAA
2. AAA Insurance
3. Nationwide
4. Allstate
5. State Farm
6. The Hartford
7. Safeco Insurance
8. Progressive
9. American Family
10. Esurance

Top 10 Major Auto Insurance Providers in West Virginia Ranked by Claims Service

1. Nationwide
2. Allstate
3. State Farm
4. American Family
5. GEICO
6. Liberty Mutual
7. Esurance
8. AAA Insurance
9. Titan Insurance
10. The Hartford

Top Companies for Dodge Grand Caravan Insurance in West Virginia

Impact of violations and accidents on rates

A great way to snag good car insurance premiums in West Virginia for a Grand Caravan is to be a cautious driver and avoid tickets and accidents. The example below illustrates how speeding tickets and at-fault fender-benders drive up insurance prices for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3021,3279,4007],[‘Age 30’, 1567,1831,2559],[‘Age 40’, 1521,1781,2509],[‘Age 50’, 1397,1655,2385],[‘Age 60’, 1371,1629,2359],[‘Age 70’, 1593,1855,2585]]);var options = {title: ‘Impact of Tickets and Accidents on West Virginia 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 West Virginia’,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 per year with no violations or accidents is $1,745. Factor in one speeding ticket and the average cost swells to $2,005, an increase of $260 each year. Next add one accident along with the one speeding ticket and the yearly cost of car insurance for a Dodge Grand Caravan increases to an average of $2,734. That’s an increase of $989, or $82 per month, just for not being a responsible driver!

Cost comparison with and without full coverage

Finding the cheapest insurance for a Dodge Grand Caravan in West Virginia is the goal of most drivers, and an effective way to buy cheap insurance is to not insure for full coverage. The diagram below illustrates the difference between insurance rates with full coverage compared to only the West Virginia minimum liability coverage. The rate quotes are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3247,1303],[‘Age 30’, 1735,715],[‘Age 40’, 1681,663],[‘Age 50’, 1539,621],[‘Age 60’, 1489,609],[‘Age 70’, 1833,815]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Grand Caravan in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged out for all age groups, physical damage insurance costs $1,921 per year more than just buying liability insurance. That proposes the question if it’s a good idea to buy full coverage. There is no specific rule to stop paying for full coverage, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s book value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your policy deductible. If it’s costing you more than $500 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where dropping full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.

How to find budget-friendly insurance for a Dodge Grand Caravan

The list below summarizes some of the recommended money-saving ideas that can help drivers locate the cheapest coverage.

• Do not pay for comprehensive and collision coverage on older vehicles
• Do not get traffic violations
• Higher credit scores can equal lower rates
• Staying accident-free helps keep rates low
• Vehicles with good safety ratings have lower liability rates
• Increase your comprehensive and collision deductibles
• Shop around for cheaper prices

That final tip is incredibly vital, as we noted in this piece. Auto insurance prices in West Virginia change constantly, so don’t hesitate to change to a new company if you find a cheaper price.

Staying with the same company for years is fine, but it isn’t a good idea if that loyalty results in overpaying money that could be going to better use. In just a couple of minutes you could shop around and find cheaper auto insurance for a Dodge Grand Caravan.