How Much are Insurance Quotes for a Dodge Grand Caravan in Louisiana?

The odds of finding affordable insurance for a Dodge Grand Caravan in Louisiana is dependent upon a very complex rating algorithm that uses multiple factors such as the number of years you have been licensed, if you are a frequent claim filer, and if you have tickets or violations. Louisiana drivers on average will pay $1,170 each year for Grand Caravan insurance, but that cost is a projection based on rate data for a 40-year-old single male driver with comprehensive and collision coverage and $1,000 deductibles.

There is a high probability that you may not be 40 years old (or even male), maybe you are married instead of single, or maybe you have a teenager that needs to be on your policy. Using even a minor difference in policy rating variables can produce large changes in the price of a policy.

There is no one cookie-cutter policy that works for everyone, so your best shot at finding cheap auto insurance rates for your Dodge is to just take the time to compare rates yourself.

Cheapest Dodge Grand Caravan Insurance Rates

Your Dodge’s trim level tends to impact the cost of insurance, so the price you will be charged to insure a Grand Caravan CV trim level will cost $106 less than the insurance cost for the higher-end Grand Caravan SXT trim level, as shown below.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific zip code location which can raise or lower auto insurance rates noticeably.

Insuring your vehicle with the highest-rated insurance company is hard considering how many companies there are to choose from in Louisiana. The information below may help you decide which car insurance providers you want to consider when looking for cheaper rates. The rankings below only include companies that write coverage in many states, so companies that have a smaller presence are not included in these rankings.

Drive safe and save

The best way to enjoy low car insurance rates for a Grand Caravan is to drive safe and not get tickets or have accidents. The diagram below illustrates how violations and at-fault fender-benders can affect car insurance costs for each age group. The rate quotes are based on a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

The data above shows the average cost of auto insurance per year with no accidents or violations is $2,792. Get written up for one speeding ticket and the average cost hikes up to $3,164, an increase of $373 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Dodge Grand Caravan jumps again to an average of $6,341. That’s an increase of $3,549, or $296 per month, just for not driving attentively!

Types of discounts on Louisiana car insurance rates

Insurance companies that offer cheap insurance for a Dodge Grand Caravan in Louisiana may also give you discounts that can lower rates by as much as 35% if you meet the requirements. Large car insurance companies and a summarized list of policyholder discounts are:

• State Farm includes discounts for anti-theft, driver’s education, safe vehicle, good driver, defensive driving training, and Steer Clear safe driver discount.
• American Family may include discounts for good student, air bags, Steer into Savings, multi-vehicle, bundled insurance, mySafetyValet, and good driver.
• GEICO has discounts for good student, driver training, membership and employees, multi-policy, and military active duty.
• 21st Century offers premium reductions for air bags, defensive driver, 55 and older, early bird, theft prevention, and student driver.
• Progressive offers discounts including continuous coverage, multi-vehicle, online signing, homeowner, and multi-policy.

The illustration below visualizes the comparison of insurance rates with and without policy discounts. The price estimates are based on a male driver, no violations or accidents, Louisiana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, accident-free, homeowner, claim-free, multiple vehicle, and vehicle safety discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for a Dodge Grand Caravan is 28% or $731.

How to get cheap insurance for a Dodge Grand Caravan in Louisiana

The list below details some of the better thrifty ideas that can help Louisiana drivers quote cheaper coverage.

• Drivers with good credit ratings often pay less
• Avoid accidents
• Full coverage may not be needed on older vehicles
• Keep your driving record clean
• Safer vehicles generally have cheaper insurance rates
• Raise your physical damage coverage deductibles
• Compare rate quotes often

That last piece of advice is extraordinarily critical, as we emphasized in the article above. Coverage prices change a lot, so don’t be hesitant to buy a different policy if a better deal can be had. Having brand loyalty is commendable, but it isn’t a good idea if that dedication is costing thousands of dollars over several years. If you have a few minutes, compare prices and find cheaper insurance for a Dodge Grand Caravan.