Five Minute Guide to Buying Coverage Online for a Dodge Grand Caravan

Finding low-cost insurance for a Dodge Grand Caravan could be difficult, but you can use the following methods to find lower rates. There is a better way to shop for car insurance and we’ll show you the quickest way to compare rates on a Dodge and obtain the best price possible from local insurance agents and online providers.

Finding affordable coverage is easy if you know what you’re doing. If you are insured now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. Vehicle owners only need to know the most efficient way to compare rates online.

Why your Dodge Grand Caravan insurance rates may be high

Smart consumers have a good feel for the different types of things that play a part in calculating your car insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

• Occupation reflects on rates – Jobs such as doctors, business owners and financial analysts tend to have higher average rates attributed to job stress and long work days. Conversely, occupations like scientists, engineers and the unemployed receive lower rates for Grand Caravan insurance.
• Better credit means lower rates – Credit history is a large factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your Dodge Grand Caravan by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
• Marriage brings a discount – Getting married actually saves money on your policy. It means you’re more mature than a single person and statistics show drivers who are married are more cautious.
• Men fork out a little more – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Men and women cause accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.
• Always keep insurance in force – Driving without insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage may earn you a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
• Don’t sacrifice liability coverage – The liability section of your policy is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
• How’s your driving record? – Good drivers receive lower rates than people who have multiple driving citations. Only having one speeding ticket can increase rates by as much as thirty percent. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.

Be sure to get all your discounts

Companies offering auto insurance don’t always advertise all available discounts very clearly, so the following is a list of some of the best known and also the lesser-known ways to save on car insurance. If you’re not getting every credit available, you’re paying more than you need to.

• Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
• Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
• Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
• Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
• Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts of 20% or more.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
• Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.

Keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

To choose insurers who offer car insurance discounts, click here to view.

In the end, you save

In this article, we presented many ideas to lower your Dodge Grand Caravan insurance rates. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a lesser-known regional company.

When shopping online for car insurance, don’t be tempted to buy poor coverage just to save money. Too many times, drivers have reduced collision coverage only to discover later that they should have had better coverage. Your strategy should be to get the best coverage possible at the best price while not skimping on critical coverages.

People change insurance companies for a variety of reasons including not issuing a premium refund, poor customer service, an unsatisfactory settlement offer or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company can be easy and end up saving you some money.