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

We always joke that when we write about car insurance, the words “cheap” or “affordable” should never appear anywhere in the article. Sad but true, cheap car insurance for a Dodge Grand Caravan is not always easy to find. But don’t let us ruin your dream, because we are going to show you how you can quote insurance that is cheaper than what you have now.

The odds of finding the cheapest car insurance for a Dodge Grand Caravan in Utah hinges on a complex calculation that is influenced by things such as the number of years you have been driving, if you have ever let your policy lapse, and driving citations. Drivers in Utah pay an average of $950 annually to insure a Dodge Grand Caravan, but that cost is a ballpark figure using rating data for a 30-year-old single male that has full coverage including both comprehensive and collision and $100 deductibles.

If we were betting, you are not 30 and maybe not even a male, maybe you are married instead of single, or maybe your Grand Caravan doesn’t need comprehensive and collision coverage. Making minor changes in quote information could result in a significant change in the rate quoted for a Dodge Grand Caravan.

This example demonstrates why the only way to find the most affordable coverage for your Dodge is to shop your policy around every couple of years.

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Vehicle trim level tends to have a direct effect on the cost of insurance, so the price you pay to insure a Grand Caravan CV will be $108 less than the cost to insure the fancier Grand Caravan SXT version, as shown in the prices below.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can change prices significantly.

Figuring out which companies quote the lowest-priced insurance rates for a Dodge Grand Caravan involves a little more sweat in order to find the best price. Each company has a unique approach for determining rates in each state, so we need to take a look at the most budget-friendly insurance companies in Utah.

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Bear River quotes some of the lowest car insurance rates in Utah at around $572 per year. USAA, Auto-Owners, American Family, and Safeco also qualify as some of the more affordable Utah insurance companies.

As illustrated above, if you are a customer of American Family and switched to USAA, you might realize yearly savings of roughly $195. Drivers with Safeco may save as much as $270 a year, and Allied policyholders might lower prices by $278 a year.

To see how much you can save, click here to get a free quote or visit any of the low-priced companies below.

These rates are averages across all types of insureds and vehicles and are not factoring in a specific rate factor for a Dodge Grand Caravan. So the insurer that has the lowest price for you may not even be featured in the company chart above. That is why you need to compare as many prices as possible using your own specific driver and vehicle information.

Discounts on Utah car insurance

Insurance companies that offer the cheapest insurance for a Dodge Grand Caravan in Utah could also offer price discounts that could potentially reduce rates by 35% or more if you are eligible. Large insurance companies and a selection of discounts are:

The information below shows the difference between insurance prices with and without policy discounts. The premiums are based on a male driver, no claims or driving citations, Utah state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, claim-free, passive restraint, multiple policy, and accident-free discounts applied. When drivers qualify for the discounts, the the amount saved on insurance for a Dodge Grand Caravan is 13% or $129.

The diagram below highlights how deductible selection can increase or decrease insurance costs when trying to find cheap insurance for a Dodge Grand Caravan. The costs are based on a married male driver, full coverage, and no discounts are taken into consideration.

The data above shows that a 30-year-old driver could reduce rates by $216 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $328 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, can cut as much as $644 or more by using a higher deductible. If you make the decision to raise deductibles, it is a good idea to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.