Cheap Insurance Quotes for a Dodge Grand Caravan in Hawaii

Since we’re writing about car insurance, the words “affordable” or “cheap” should not appear as a descriptor for car insurance rates. It’s a simple fact that cheap auto insurance for a Dodge Grand Caravan does not exist. But don’t despair, because we will teach you how you can still find and buy auto insurance that is considered budget-friendly.

The likelihood of finding the cheapest coverage for a Dodge Grand Caravan in Hawaii is dependent upon things such as whether the vehicle is new, your residence address, and if your driving record is clean. Drivers in Hawaii pay around $820 per year to insure their Grand Caravan, but that amount is an approximation that uses a 50-year-old single female that wants full comprehensive and collision coverage and $100 physical damage deductibles.

It’s more than likely you’re not a 50-year-old female, married instead of single, or maybe your Grand Caravan doesn’t need comprehensive and collision coverage. Changing even a minor factor in rating variables can make a huge difference in policy price.

Each driver’s needs are different, and that demonstrates why the best way to quote cheap insurance rates for your Dodge is to start the habit of comparing rates at least once a year.

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The specific trim level will most likely have an effect on the cost of insurance, so the rate you pay to insure a Grand Caravan CV trim level will be $98 lower than the insurance cost for the more costly Grand Caravan SXT model, as shown in the table below.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in your specific Hawaii location which can revise auto insurance rates substantially.

Choosing a high-quality car insurance provider can be rather challenging considering how many choices there are in Hawaii. The company rank data in the next section can help you analyze which insurers you want to consider purchasing a policy from.

These ratings are only comprised of large insurance companies, so smaller companies are not factored into these rankings. If you wish to compare prices from the most competitive companies in Hawaii, follow this link.

Top 10 Major Auto Insurers in Hawaii Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Progressive
5. Allstate
6. American Family
7. AAA Insurance
8. Nationwide
9. Liberty Mutual
10. Farmers Insurance

Top 10 Major Auto Insurers in Hawaii Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. State Farm
5. AAA Insurance
6. Nationwide
7. Safeco
8. Esurance
9. Allstate
10. Liberty Mutual

Top Companies for Dodge Grand Caravan Insurance in Hawaii

How to get discounts on Hawaii insurance rates

Auto insurance companies that offer cheap insurance for a Dodge Grand Caravan in Hawaii could also offer policy discounts that could lower prices by 25% or more if you can meet the requirements. Popular car insurance companies and a summarized list of policyholder discounts are shown below.

• GEICO may offer discounts for military active duty, multi-policy, air bags, membership and employees, daytime running lights, and driver training.
• SAFECO offers discounts for bundle discounts, safe driver, multi-car, drive less, and anti-lock brakes.
• State Farm offers discounts including good driver, Drive Safe & Save, good student, anti-theft, multiple policy, and Steer Clear safe driver discount.
• MetLife includes discounts for claim-free, accident-free, defensive driver, good driver, multi-policy, and good student.
• 21st Century discounts include student driver, anti-lock brakes, driver training, automatic seat belts, defensive driver, and homeowners.
• Progressive may have discounts that include multi-policy, multi-vehicle, homeowner, online signing, and continuous coverage.

The diagram below visualizes the comparison of car insurance rates with and without discounts applied to the policy rates. The information is based on a male driver, a clean driving record, no at-fault accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, marriage, homeowner, anti-theft, and defensive driving course discounts applied. When discounts are applied, the the average amount saved on car insurance for a Dodge Grand Caravan is 28% or $384.

Liability-only versus full coverage

Finding cheap insurance for a Dodge Grand Caravan in Hawaii should be important to most vehicle owners, and one of the quickest ways to find cheaper insurance is to only buy liability coverage. The example below compares annual premium costs with full physical damage coverage compared to only buying liability only. The data is based on no tickets, no at-fault accidents, $500 deductibles, single status, and no policy discounts are applied.

As an average for all age groups, physical damage insurance costs an additional $1,509 per year over and above liability only. At some point, every insured wonders when is it safe to stop buying full coverage. There is no exact formula of when to eliminate full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s say your vehicle’s book value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $9,500 after paying the physical damage deductible. If you are paying in excess of $950 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Company comparison: State Farm vs Allstate vs Geico vs Progressive

When it comes to buying car insurance, four companies to definitely compare rates with are State Farm, Allstate, Geico, and Progressive. Between them, they insure about 50% of all car insurance policies written. The next table illustrates pricing and service ratings, plus some optional coverages offered by each company.