Who Has Cheap Insurance for a Dodge Grand Caravan in Arkansas?

Our editors keep telling us that when writing about car insurance, the word affordable should never appear anywhere to describe car insurance rates. The fact is, cheap car insurance for a Dodge Grand Caravan can seem impossible to find. Don’t let that ruin your day, because we will show you how you can quote and buy auto insurance that is cheaper than what you have now.

Your chances of buying cheap coverage for a Dodge Grand Caravan in Arkansas is contingent on a lot of factors like whether the vehicle is new, if you have a lapse in coverage, and the deductible amount you use. Drivers in Arkansas pay an average rate of $920 a year to buy insurance for a Dodge Grand Caravan, but that price is a ballpark figure based on rate data for a 40-year-old married male that has both comprehensive and collision coverage and $250 physical damage deductibles.

When making auto insurance estimates, the issue arises that you are not 40 and possibly not even male, single instead of married, or maybe you need higher liability limits than the state minimum. What appears to be a small change in the rating input factors could end up with a large change in the policy rate.

Auto insurance is not “one size fits all”, so the best way to find cheap insurance rates for your Dodge is to put in the effort to do a thorough rate comparison. In just a few minutes you will get price quotes from top-rated car insurance companies around.

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Your vehicle’s trim level tends to impact the cost of insurance, so the price you will pay to insure a Grand Caravan CV trim level will be $104 less than the insurance cost for the higher-end Grand Caravan SXT version, as demonstrated by the prices below.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arkansas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Arkansas which can decrease or increase premium rates significantly.

Arkansas auto insurance companies ranked

Finding the best insurance company is difficult considering how many choices there are in Arkansas. The ranking information in the lists below could help you decide which companies you want to consider when trying find the best insurance for a Dodge Grand Caravan.

The ratings below are only comprised of large insurance companies, so companies that only write business in Arkansas or surrounding areas will not be included in these rankings. To compare rates and find cheaper insurance for a Dodge Grand Caravan, follow this link.

The diagram below demonstrates how deductibles can raise or lower yearly insurance costs when quoting cheap insurance for a Dodge Grand Caravan. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied.

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The data above shows that a 30-year-old driver could pocket $376 a year by increasing from a $100 deductible to a $500 deductible, or save $566 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can cut $1,100 or more just by choosing larger deductibles.

When choosing a higher deductible, it is necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Comparison of full coverage and liability-only policies

Finding cheap insurance for a Dodge Grand Caravan in Arkansas is probably important to most drivers, and one common way to pay less for insurance is to buy only liability coverage. The chart below illustrates the comparison of insurance costs when comparing full coverage to liability only. The rate quotes are based on no violations or accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3273,1205],[‘Age 30’, 1733,663],[‘Age 40’, 1693,613],[‘Age 50’, 1543,575],[‘Age 60’, 1493,565],[‘Age 70’, 1831,755]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Grand Caravan in Arkansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, comprehensive and collision coverage on your policy costs $1,928 per year over and above liability coverage. That brings up the question if buying full coverage is worth the expense. There is no definitive guideline that works best for making the decision to drop full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

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

When shopping for insurance for a Grand Caravan in Arkansas, four companies to consider are State Farm, Geico, Allstate, and Progressive. They all offer your standard coverages, but each one has unique options and discounts that buyers can choose from. The next table breaks down price and claims rank as well as some different options you can expect with each one.