Cheap Insurance Quotes for a Dodge Grand Caravan in Georgia

Since we’re writing about car insurance, the word “cheap” should never appear anywhere in the article to describe car insurance prices. Excuse the oxymoron, but cheap car insurance for a Dodge Grand Caravan can be hard, if not impossible, to find. But don’t let us ruin your dream, because we will show you how you can find insurance that is easier on your budget.

The chances that you’ll find affordable auto insurance for a Dodge Grand Caravan in Georgia depends upon a complex equation that considers factors such as whether you are married, if you have ever let your coverage lapse, and the deductible amount you use. Drivers on average pay around $970 a year to buy Dodge Grand Caravan insurance, but that is calculated using a 40-year-old married female that has full coverage including both comprehensive and collision and $500 deductibles.

When projecting a rate like this, the problem is that you aren’t exactly 40 years old or even a female, maybe you are single instead of married, and maybe your Grand Caravan just needs liability-only coverage. Having the smallest difference in rating factors or requested coverage amount can result in a large change in the price of coverage.

Not every driver requires the same auto insurance coverages, so the only real way to find cheap insurance prices for your Dodge is to just compare rates yourself. In less than five minutes you will receive prices from top-rated companies that sell coverage in Georgia.

Compare Rates and Save

The trim level of your vehicle tends to impact the annual cost of coverage, so the price you pay to insure a Grand Caravan CV will be $100 less than the price to insure the more costly Grand Caravan SXT trim level, as shown in the chart below.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price information does not factor in your specific Georgia location which can raise or lower rates substantially.

Ratings for Georgia car insurance companies

Ending up with a good quality car insurance provider can be a challenge considering how many choices you have in Georgia. The company ratings shown next can help you select which car insurance providers you want to consider when shopping insurance around for a Dodge Grand Caravan.

The rankings below only include the largest companies in America, so smaller companies will not be included in the list. To get rate quotes from many more Georgia auto insurance companies, click this link.

Top 10 Large Car Insurance Companies in Georgia Ranked by Value

1. Mercury Insurance
2. Travelers
3. Safeco Insurance
4. American Family
5. AAA Insurance
6. The Hartford
7. Progressive
8. The General
9. Titan Insurance
10. Esurance

Top Companies for Dodge Grand Caravan Insurance in Georgia

Liability only or full coverage

Finding cheap insurance for a Dodge Grand Caravan in Georgia should be important to most vehicle owners, and one of the easiest ways to buy cheap insurance is to only buy liability coverage. The illustration below visualizes the comparison of insurance costs with full coverage compared to only the Georgia minimum liability coverage. The information is based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Averaged for all age groups, comp and collision coverage costs an additional $1,950 per year over and above liability coverage. Many drivers will wonder if paying for full coverage is worth it. There isn’t a steadfast formula to drop full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after you pay the deductible. If it’s costing you more than $200 annually to have full coverage, then it might be time to buy liability only.

There are some cases where buying only liability insurance is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Shop around and save

Georgia car insurance rates are determined by lots of factors that can increase the price you pay. Improving your credit score, moving to a different location, or getting into an accident can cause premium changes that can cause some rates to be much cheaper than others.

In addition to those changes, car insurance companies change the rates they charge in Georgia without warning as an adjustment for underwriting gains or losses. A period of increased losses may result in additional price hikes, while long-term profits can cause cheaper Grand Caravan insurance rates.

The chart below compares the cheapest car insurance in Georgia for a 30-year-old female driver with no prior claims, no tickets, and solid credit. If we estimate rates based on her current risk factors, Auto-Owners offers the most affordable car insurance rates in Georgia at $830 per year. This is $699 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining top five cheapest Georgia auto insurance companies.

In this example, we will give the driver from above a couple of claims, a little lower credit rating, and a couple of points charged on her driving record. Because each insurer has a different process to set policy rates, analyzing rate quotes could now result in a new list of affordable Georgia car insurance companies as shown below.

The Hartford now has the best auto insurance rate in Georgia with Travelers, Mercury, Safeco, and Country now being in the top five. This demonstrates why consumers need to perform a complete rate comparison to find the most budget-friendly insurance rates for a Dodge Grand Caravan. Insurance prices are determined by many things and change frequently, so the lowest-price company the last time you compared rates may now be one of the higher cost companies.

How to find the cheapest car insurance for a Dodge Grand Caravan

The list below shows many penny-pinching solutions that can help Georgia drivers get more affordable coverage.

• Good credit scores may make rates cheaper
• Violations and traffic tickets increase rates
• Remain accident-free and save
• Try to not file small claims
• Safer vehicles generally have cheaper insurance rates
• Shop around once a year for cheaper rates

That last piece of advice is especially critical, as we discussed in this article. Coverage prices in Georgia can change considerably based on profitability, so drivers shouldn’t be reluctant to buy a policy from a new company if a lower price can be found.

Having a favorite company is fine, but it’s not a great idea if that dedication is costing a lot of money every month. In less than five minutes you could shop around to find cheaper insurance for a Dodge Grand Caravan.

Who has the cheapest Dodge Grand Caravan insurance quotes?

You have a lot of ways to purchase car insurance in Georgia, but the most prevalent are from an independent or non-exclusive agent, a captive (or exclusive) agency like State Farm or Allstate, or from a direct company like Geico or Progressive. They all follow the same basic process, but car insurance buyers need to understand the differences in how they give price quotes.

Independent insurance agents can place your business with multiple companies and can compare coverage rates with all of them. Agents of this type are not required to write business for one company and can get prices from more than one company, which can help you get a better chance of finding cheaper coverage. If you want to switch companies, the agent simply finds a different carrier and you won’t have to switch agencies.

A captive, or exclusive, agent is only able to give prices for a single company, two popular examples being Allstate or State Farm agents. This type of agents cannot provide rate quotes from other companies, so keep that in mind.

Consumers who buy car insurance direct skip either of the other two types of agents and instead buy direct from companies such as Progressive or Esurance. Buying direct can be a good choice for consumers who do not have a lot of assets and have a good understanding of what is covered and what is not.

So which of the methods works best to buy cheap insurance for a Dodge Grand Caravan in Georgia? It would be simple to say shopping direct saves money because there is no agent involved, but unfortunately, that is not the case. And we’d like to say an independent agent results in the best rates because they can shop around, but again, that’s not accurate. For some people, the exclusive agents have very competitive rates well below independent agents AND direct companies.

Due to that fact that car insurance uses so many rating variables, the one way to ensure you are not overpaying for car insurance is to get quotes and compare. In a perfect world, youll get rate quotes from independent agents, exclusive agents, and direct companies to get a good idea who is cheapest. For a list of companies offering online discounts, click here to view.