How Much Does Insurance Cost for a Dodge Grand Caravan in Arizona?

The odds of finding the best cheap auto insurance for a Dodge Grand Caravan in Arizona hinges on an enormous amount of factors like how old the vehicle is, if you are currently insured, and physical damage deductibles. Drivers in Arizona pay an average rate of $730 every 12 months for Grand Caravan insurance, but that rate is a ballpark figure calculated using a 50-year-old married female who needs full coverage including both comprehensive and collision and $250 deductibles.

It’s more than likely that you are not 50 and possibly not even female, you might be single instead of married, or maybe you had a chargeable driving offense. Changing even a minor factor in the factors used to determine rates could end up with a large change in how much coverage for a Dodge Grand Caravan costs.

Not every driver requires the same auto insurance coverages, so the best way to find cheap insurance prices for your Dodge is to comparison shop your policy at every renewal or at least every couple of years.

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The specific trim level will have an impact the annual cost of coverage, so the price to insure a Grand Caravan CV trim level will be $82 less than the price to insure the higher-priced Grand Caravan SXT model, as shown below.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can modify auto insurance rates considerably.

Arizona insurance companies

Choosing a high-quality car insurance company is difficult considering how many different companies there are to choose from in Arizona. The company information shown next could help you pick which car insurance companies you want to consider to insure your vehicles. The ratings below include large nationwide companies, so companies without a large exposure will not be included in the list.

Discounts on cheap insurance for a Dodge Grand Caravan in Arizona

Insurance providers that offer coverage for a Dodge Grand Caravan may also offer rate discounts that could lower prices by 35% or more if you meet the requirements. A few popular companies and their possible discounts can be read below.

• Mercury Insurance has savings for low natural disaster claims, ease of repair, professional/association, type of vehicle, age of vehicle, and multi-policy.
• Farmers Insurance may have discounts that include business and professional, good student, electronic funds transfer, alternative fuel, and pay in full.
• Farm Bureau may offer discounts for good student, driver training, safe driver, multi-policy, 55 and retired, and youthful driver.
• State Farm policyholders can earn discounts including safe vehicle, defensive driving training, anti-theft, driver’s education, good student, and good driver.
• Allstate may include discounts for FullPay discount, economy car, teenSMART discount, 55 and retired, premier plus, auto/life discount, and early signing.
• GEICO has discounts for good student, daytime running lights, air bags, membership and employees, driver training, military active duty, and anti-lock brakes.

The information below illustrates the comparison of yearly insurance costs with and without discounts. The premiums are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, multiple policy, homeowner, accident-free, safe-driver, and anti-theft discounts applied. In this example, the the average amount saved on insurance for a Dodge Grand Caravan is 28% or $420.

Full coverage rates vs. liability-only

Finding cheap insurance for a Dodge Grand Caravan in Arizona should be important to the majority of vehicle owners, and one great way to find cheaper insurance is to not insure for full coverage. The information below illustrates the difference between insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The price estimates are based on no violations or accidents, $100 deductibles, single status, and no discounts are taken into consideration.

If averaged for all ages, full coverage costs $1,888 per year more than just buying liability only. That raises the question if buying full coverage is a waste of money. There is no clear-cut formula of when to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

How to find the cheapest car insurance for a Dodge Grand Caravan

The list below shows some of the better thrifty suggestions that can help Arizona drivers locate cheap car insurance.

• Do not get into accidents that are your fault
• Safe vehicles generally have lower rates
• Just one traffic violation will increase your rates
• Increase your physical damage deductibles
• If your vehicles are older, consider dropping full coverage
• Good credit can mean cheaper rates
• Compare rates regularly and switch companies to save money

The last suggestion is extremely critical, as was pointed out in the prior article. Car insurance rates fluctuate constantly, so don’t be hesitant to switch to a new company if a cheaper rate is available.

Staying with the same car insurance company is fine, but is isn’t recommended if that dedication is costing big bucks every year. Now is a great time to shop around and find cheaper car insurance for a Dodge Grand Caravan.