Cheap Insurance Quotes for a Dodge Grand Caravan in New York

Buying the best cheap coverage for a Dodge Grand Caravan in New York is dependent upon a large number of factors such as driver age, your credit score, and if you have a clean driving record. Drivers in New York pay an average of $780 each year to insure a Dodge Grand Caravan, but that figure is a projection using a 40-year-old married male driver who requires full coverage including both comprehensive and collision and $100 policy deductibles.

More than likely, you are not exactly 40 years old and possibly not even male, you might be single instead of married, and you want different coverage limits than the example. There is no “one size fits all” policy, so the only real way to find the cheapest insurance price for your Dodge is to do the rate comparisons yourself.

Cheapest Dodge Grand Caravan Insurance Rates

Your Dodge’s trim level tends to have a direct effect on the insurance rate, so the rate you will pay to insure a Grand Caravan CV trim level will be $92 less than the cost to insure the more costly Grand Caravan SXT model, as shown by the rates below.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in zip code location which can modify coverage prices substantially.

Deciphering which company quotes the cheapest car insurance rates for a Dodge Grand Caravan will take a little more effort in order to find coverage that fits your buget. Each auto insurer used slightly different criteria for setting rates, so we will examine the car insurance companies with the overall cheapest rates in New York.

Keep in mind that New York car insurance rates are impacted by many things that may substantially change the price of your policy. Turning one year older, increasing liability limits, or having an at-fault accident may prompt premium changes resulting in some companies being more affordable than before.

Best Insurance Companies for Your Dodge

Compare Rates and Save

USAA normally has some of the cheapest car insurance rates in New York at around $1,187 annually. Erie, Utica National, Travelers, and Allstate would also be considered some of the lowest-priced New York insurance companies.

In the rate table above, if you have coverage with Travelers and switched to Erie, you could see annual savings of around $324. Policyholders with Allstate may save as much as $351 a year, and Progressive customers might lower prices by up to $353 a year.

To find cheap insurance for a Dodge Grand Caravan in New York for your vehicle, click here to get a free quote or feel free to get quotes from the companies below.

Be aware that those prices are averages across all drivers and vehicles in New York and do not take into consideration a specific rate factor for a Dodge Grand Caravan. So the company that has the lowest price for you may not even be in the list of companies above. That affirms the importance of why you need to get quotes using your own specific driver information and vehicle.

How accidents and tickets impact rates in New York

The easiest method to earn the best car insurance prices for a Grand Caravan is to be a good driver and avoid traffic citations and accidents. The illustration below highlights how speeding tickets and at-fault fender-benders influence insurance prices for different categories of driver ages. The prices are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

In the prior example, the average cost of an auto insurance policy per year with no accidents or violations is $1,686. Get two speeding tickets and the average cost rises to $2,233, an increase of $547 each year. Now add two accidents along with the two speeding tickets and the annual cost of car insurance for a Dodge Grand Caravan jumps again to an average of $4,213. That’s an increase of $2,527, or $211 per month, just for not driving responsibly!

How to get discounts on New York insurance rates

Insurance companies that provide cheap insurance for a Dodge Grand Caravan in New York may additionally offer special discounts that could reduce prices by as much as 35% or more if you meet eligibility requirements. A list of companies and a summarized list of policyholder discounts are detailed below.

• GEICO may have discounts that include military active duty, membership and employees, federal employee, daytime running lights, five-year accident-free, and anti-theft.
• Travelers may offer discounts for good student, multi-policy, IntelliDrive, multi-car, new car, driver training, and save driver.
• Nationwide policyholders can earn discounts including business or organization, family plan, easy pay, accident-free, defensive driving, good student, and multi-policy.
• Farmers Insurance offers premium reductions for electronic funds transfer, alternative fuel, distant student, good student, and early shopping.
• Esurance may include discounts for safety device, multi-policy, Switch & Save, good driver, anti-theft, renters, and defensive driver.
• State Farm offers discounts for passive restraint, defensive driving training, multiple policy, student away at school, accident-free, Steer Clear safe driver discount, and good student.
• Progressive discounts include homeowner, continuous coverage, good student, online signing, multi-policy, online quote discount, and multi-vehicle.
• Mercury Insurance offers discounts including accident-free, professional/association, multi-car, good student, anti-theft, age of vehicle, and multi-policy.

The example below compares insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no claims, a clean driving record, New York state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, claim-free, safe-driver, vehicle safety, passive restraint, and multiple vehicle discounts applied. In this example, the the average amount saved on car insurance for a Dodge Grand Caravan is 27% or $459.

Does Progressive, Allstate, Geico, or State Farm have the cheapest car insurance?

If you are looking for the best insurance for a Grand Caravan in New York, four of the best places to start are Progressive, Allstate, Geico, and State Farm. The data below shows ratings for price, service, and claims, in additional to some of the optional coverages that are available for policyholders.