Best Cheap Insurance for a Dodge Grand Caravan in Pennsylvania

Your ability to find affordable insurance for a Dodge Grand Caravan in Pennsylvania is dependent upon a complicated equation that takes into consideration things such as how far you drive to work, if you have ever let your coverage lapse, and driving violations and tickets. Drivers in Pennsylvania pay on average $1,030 annually to buy insurance for a Dodge Grand Caravan, but that amount is a projection based on a 30-year-old single female that wants full comprehensive and collision coverage and $500 policy deductibles.

But there is a high likelihood that you are not a 30-year-old female, possibly married instead of single, or maybe you want different physical damage deductibles. Auto insurance is unique to every driver, so the most reliable method for finding cheap car insurance rates for your Dodge is to comparison shop your policy at every renewal or at least every couple of years.

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Vehicle trim level has an effect on the cost of coverage, so the price you will pay to insure a Grand Caravan CV trim level will be $106 less expensive the insurance cost for the more expensive Grand Caravan SXT version, as shown in the table below.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in specific location which can revise price quotes noticeably.

Pennsylvania car insurance company ratings

Finding a high-quality car insurance provider is hard considering how many choices you have in Pennsylvania. The rank data shown below can help you choose which car insurance providers to look at to insure your vehicles. These ratings include large insurance companies, so companies that may only write in Pennsylvania are not factored into the list.

Cost difference between full coverage and liability

Finding the best cheap insurance for a Dodge Grand Caravan in Pennsylvania is important to the majority of vehicle owners, and one of the best ways to reduce the cost of insurance is to only pay for liability coverage. The example below illustrates the comparison of insurance rates with full phyical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving citations, $250 deductibles, marital status is single, and no discounts are factored in.

Averaged out for all age groups, physical damage coverage costs $2,050 per year over having just liability coverage. Many people question if you should buy full coverage. There is no specific rule to delete physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

There are some circumstances where removing full coverage is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Reckless driving habits raise car insurance rates

One of the best ways to maintain good car insurance prices for a Grand Caravan is to drive safely and have a clean driving record. The illustration below illustrates how speeding tickets and accident claims can affect insurance rates for different ages of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of car insurance per year with no accidents and a clean driving record is $1,968. Factor in one speeding ticket and the average cost swells to $2,229, an increase of $261 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Dodge Grand Caravan increases to an average of $4,466. That’s an increase of $2,498, or $208 per month, just for not being a responsible driver!

Allstate, Geico, State Farm, and Progressive compared

When comparing rates for auto insurance, the four most popular companies are Allstate, Geico, State Farm, and Progressive. When added together, they make up about half of all vehicles in the U.S.. They all offer your standard coverages, but each one has a slightly different mix of options and features that buyers can select from. The data below rates some of the ratings and options that may be available in your state.