Cheapest Insurance Quotes for a Dodge Grand Caravan in Oklahoma

The chances of buying affordable insurance for a Dodge Grand Caravan in Oklahoma is dependent upon dozens of factors such as whether the vehicle is new, if you currently have coverage, and any prior driving offenses. Drivers on average pay approximately $1,120 each year for Grand Caravan insurance, but that amount is an estimate based on rate data for a 40-year-old single male who needs full coverage and $1,000 policy deductibles.

There is a high probability that you are not 40 years old and maybe not even male, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. The different assumptions illustrate why the best method for finding the cheapest coverage for your Dodge is to just compare rates yourself. Compare rate quotes now and you will receive prices from some of the most affordable companies in Oklahoma.

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The trim level of your Dodge will have an impact the cost of coverage, so the price you will pay to insure a Grand Caravan CV model will be $100 less than the insurance cost for the fancier Grand Caravan SXT model, as shown in the table below.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can influence coverage rates substantially.

Best insurance in Oklahoma

Choosing the right auto insurance provider can be difficult considering how many companies provide coverage in Oklahoma. The ranking data displayed below can help you choose which auto insurers to look at shopping your coverage with. These rankings are for companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Oklahoma will not be included in the list.

Top 10 Large Auto Insurance Providers in Oklahoma Ranked by A.M. Best Rating

1. Travelers – A++
2. State Farm – A++
3. GEICO – A++
4. USAA – A++
5. Esurance – A+
6. Nationwide – A+
7. Mercury Insurance – A+
8. The Hartford – A+
9. Progressive – A+
10. Allstate – A+

Top 10 Large Auto Insurance Providers in Oklahoma Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top Companies for Dodge Grand Caravan Insurance in Oklahoma

The example below shows how choosing a deductible can affect insurance prices when researching cheap insurance for a Dodge Grand Caravan. The price estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.

In the chart above, a 30-year-old driver could lower their car insurance rates by $442 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $668 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could save as much as $944 every year just by choosing higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Difference between full coverage and liability only rates

Finding the cheapest insurance for a Dodge Grand Caravan in Oklahoma is probably important to the majority of people, and one of the easiest ways to pay less for insurance is to buy liability only. The information below shows the comparison of car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. The rate quotes are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are taken into consideration.

If the expense is averaged for all age categories, full coverage costs $2,840 per year over and above liability coverage. That raises the question if buying full coverage is a good investment. There is no specific rule of when to eliminate physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

There are a few cases where only buying liability is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Which auto insurance company is best?

If you are looking for the best insurance for a Grand Caravan in Oklahoma, four companies you’ll want quotes from are Allstate, Progressive, State Farm, and Geico. Each one has different optional coverages and features that you can select from. The next table points out some of the different options that are available from each company.