Cheap Insurance for a Dodge Grand Caravan in Kentucky

Your ability to find the cheapest car insurance for a Dodge Grand Caravan in Kentucky hinges on a large number of factors such as how old you are, if you have maintained coverage continuously, and any driving offenses on your record. Drivers in Kentucky pay around $710 a year for Grand Caravan insurance, but that is a ballpark figure based on rates for a 30-year-old married male driver that wants full coverage including both comprehensive and collision and $1,000 deductibles.

There is a high probability that you are not exactly 30 years old and possibly not even male, possibly single instead of married, or possibly you just want cheap liability coverage. Changing even a minor factor in policy rating criteria or coverages could end up with a large change in the amount insurance costs for a Dodge Grand Caravan.

Car insurance coverage is unique to each driver, so this is why your best shot at finding cheap auto insurance rates for your Dodge is to comparison shop your policy at every renewal or at least every couple of years. Rate quotes are easy and you can get prices from some of the best insurers available.

Save Now on Grand Caravan Insurance

The trim level of your Grand Caravan tends to impact the annual cost of coverage, so the price you pay to insure a Grand Caravan CV trim level will be $68 cheaper than the insurance cost for the more expensive Grand Caravan SXT version, as demonstrated by the prices below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific location information which can raise or lower auto insurance rates substantially.

Insuring your vehicle with the best insurer can be rather challenging considering how many choices you have in Kentucky. The company information shown next could help you decide which car insurance companies you want to consider when shopping around. The rankings below are only comprised of companies who write in the majority of U.S. states, so companies that have a smaller presence are not factored into the list.

The example below shows how choosing a deductible can change yearly insurance costs when quoting cheap insurance for a Dodge Grand Caravan. Data assumes a married female driver, full physical damage coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could reduce rates by $276 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $418 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could possibly save up to $688 or more just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be necessary to have emergency funds available to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Impact of citations and accidents on insurance rates

The obvious way to obtain cheap insurance for a Dodge Grand Caravan in Kentucky is to pay attention while driving and avoid accidents and traffic violations. The diagram below demonstrates how traffic citations and at-fault accidents can impact car insurance costs for different age groups. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

In the chart above, the average cost of an auto insurance policy in Kentucky per year with no accidents or violations is $1,774. Receive two speeding tickets and the average cost rises to $2,449, an increase of $675 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Dodge Grand Caravan jumps again to an average of $4,893. That’s an increase of $3,119, or $260 per month, just for not keeping your driving record clean!

State Farm, Geico, Progressive, or Allstate: Which is best?

When buying car insurance, the top insurers to get price quotes from are State Farm, Geico, Progressive, and Allstate. Between them, they insure nearly half of all policies written. They all offer a distict selection of optional coverages and features that drivers can select from. The data below compares ratings for price, service, and claims, in additional to some of the optional coverages that are available for buyers.

Who has the cheapest Dodge Grand Caravan insurance quotes?

You have many ways to find cheap auto insurance in Kentucky, but the most popular ways are from an exclusive insurance agent like Allstate or Liberty Mutual, a non-exclusive or independent agent, or buying direct from a company like Geico or Progressive.

You can use whichever method you prefer, but each is different in how they work.

Independent agents are appointed by several companies and can provide price quotes from every one. Agents of this type are not limited to a single company and can provide you with more rate quotes, which may provide you with the best chance of saving money. If premiums increase, it’s easy for the agent to move the policy which makes it easier to save money.

A captive, or exclusive, agent is only able to give prices for one insurance company, for example an Allstate or State Farm agent. These agents usually cannot quote prices from more than a single company, so if rates are not competitive, they cannot shop around.

The third popular method of shopping for auto insurance is direct, which means you skip a local insurance agent and instead buy direct from companies such as Geico or Progressive. Shopping direct may be a decent choice consumers who have lower risk management needs and have some degree of understanding of what limits they need.

So which method is best for finding cheap insurance for a Dodge Grand Caravan in Kentucky? We’d like to tell you buying from a direct company saves the most money because you bypass the agent, but unfortunately, that is not always true. It could also be said buying auto insurance from an independent agent is the best way to go since they can quote with many companies, but that assumption is also not accurate. In a lot of cases, exclusive agencies have coverage prices that are the cheapest in Kentucky.

Since auto insurance companies use so many rating factors, the best method to ensure you are not overpaying is to get as many comparison quotes as possible. It takes a little work, but we recommend you get prices from all three types in order to find the best price. For a list of companies with online discounts, click here to view.