How Much are Insurance Quotes for a Dodge Grand Caravan in New Hampshire?

When the topic is car insurance, the words “affordable” or “cheap” shouldn’t be used anywhere in the article to describe car insurance prices. It’s just a fact that cheap car insurance for a Dodge Grand Caravan may be a thing of the past. Don’t get your dauber down, because there may be ways you can still get car insurance that is more affordable than your current policy.

Whether or not you can find cheap car insurance for a Dodge Grand Caravan in New Hampshire is contingent on a lot of rating criteria such as the age of the Grand Caravan, whether or not you have prior claims, and citations or violations on your driving record. Drivers on average pay around $730 per year to buy insurance for a Dodge Grand Caravan, but that amount is an approximation based on cost data for a 30-year-old married female driver that wants full coverage and $100 physical damage deductibles.

There is a good chance you are not 30 and possibly not even female, single instead of married, and there is a good chance that other rated drivers impact the rate. Even a slight difference in the factors used to determine rates can cause significant differences in the policy cost.

Auto insurance is unique to each driver, so the best way to quote the cheapest rates for your Dodge is to make a habit of comparing prices at least once a year. Rate quotes are easy and you can get prices from top-rated car insurance companies available.

View Dodge Grand Caravan Insurance Rates

The specific trim level will be a contributing factor to the annual cost of coverage, so the price you will pay to insure a Grand Caravan CV trim level will be $90 less than the price to insure the higher-priced Grand Caravan SXT trim level, as shown by the rates below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in garaging location in New Hampshire which can change price quotes noticeably.

New Hampshire insurance companies ranked

Finding a high-quality auto insurance company can be rather challenging considering how many companies sell coverage in New Hampshire. The rank data listed below could help you decide which providers to look at comparing rate quotes with.

These rankings are only made up of the largest companies in America, so companies that focus mainly on New Hampshire business are not factored into the list. To check rates from these and other competitive companies, just click here.

Does full coverage make sense?

Finding cheap insurance for a Dodge Grand Caravan in New Hampshire is important to the majority of drivers, and a great way to find cheap insurance is to only pay for liability coverage. The information below shows the comparison of insurance costs when comparing full coverage to liability only. The rates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

If the expense is averaged for all age categories, full coverage on your policy costs $1,187 per year more than just insuring for liability. That is a big expense that brings up the question when is it safe to stop buying full coverage. There is no set rule for dropping physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $10,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $9,000 after paying the physical damage deductible. If you are paying more than $900 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some conditions where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.

Drive responsibly or pay higher rates

The best way to find the cheapest insurance prices in New Hampshire for a Grand Caravan is to be a cautious driver and avoid accidents and violations. The illustration below shows how violations and accidents impact insurance premiums for different ages of insureds. The rates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of a car insurance policy in New Hampshire per year with a clean driving record and no accidents is $1,146. Factor in one speeding ticket and the average cost swells to $1,332, an increase of $186 each year. Then add two accidents along with the one speeding ticket and the yearly cost of insurance for a Dodge Grand Caravan increases to an average of $2,949. That’s an increase of $1,804, or $150 per month, just for a couple of infractions!

Which major car insurance company is best?

When shopping around for insurance for a Grand Caravan in New Hampshire, the companies with the most market share are Progressive, Allstate, Geico, and State Farm. All of them have different features and discounts that drivers can select from. The next table rates some of the different features that may be available in your state.