Who Has Cheap Insurance Quotes for a Dodge Grand Caravan in Maryland?

When writing about shopping for car insurance, the words cheap or affordable really should not be used anywhere in the article to describe car insurance prices. It’s a simple fact that cheap auto insurance for a Dodge Grand Caravan can be extremely hard to find. Don’t get your dauber down, because we are going to show you some ways you can get coverage that most people can afford.

Buying cheap insurance for a Dodge Grand Caravan in Maryland is dependent upon many factors such as if you are married or single, if you have maintained coverage continuously, and citations on your driving record. Drivers in Maryland will pay around $1,270 annually to insure a Dodge Grand Caravan, but that cost is an estimation that rates a 30-year-old single female that has full physical damage coverage and $500 deductibles.

There is a very good chance that you are not exactly 30 years old and possibly not even female, possibly married instead of single, or maybe you have a speeding ticket that needs to be factored in. Just a minor change in rating criteria can create big changes in the policy rate.

Having different needs demonstrates why your best chance at finding cheap insurance prices for your Dodge is to just take the time to compare rates yourself.

Insure Your Dodge for Less

Vehicle trim level tends to impact price, so the price to insure a Grand Caravan CV will be $128 lower than the price to insure the higher-end Grand Caravan SXT version, as shown in the prices below.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in Maryland location which can raise or lower auto insurance rates noticeably.

Buying coverage from a high-quality insurance provider can be difficult considering how many choices you have in Maryland. The company rank data below may help you decide which car insurance companies you want to consider when looking for cheaper rates.

These ratings are only comprised of the largest companies in the United States, so smaller companies are not included in the list. To compare prices and find cheaper insurance for a Dodge Grand Caravan, click here.

Liability-only versus full coverage

Finding cheap insurance for a Dodge Grand Caravan in Maryland should be important to the majority of vehicle owners, and one of the quickest ways to lower the cost of insurance is to buy only liability coverage. The chart below illustrates the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no claims, $100 deductibles, single marital status, and no additional discounts are factored in.

As an average for all age groups, full coverage on your policy costs $2,547 per year more than just insuring for liability. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no written rule for phasing out full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

There are a few situations where only buying liability is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Discount Maryland auto insurance

Insurance companies that provide cheap insurance for a Dodge Grand Caravan in Maryland may additionally offer policy discounts that could potentially reduce rates by as much as 35% if you are eligible. A few popular companies and a summarized list of policyholder discounts are shown below.

The diagram below illustrates the comparison of insurance costs with and without policy discounts. The premiums assume a female driver, no claims or violations, Maryland state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, multiple policy, safe-driver, defensive driving course, anti-theft, and homeowner discounts applied. When discounts are applied, the average savings per year on insurance for a Dodge Grand Caravan is 33% or $751.

Best rates: Progressive, State Farm, Geico, or Allstate

If you are shopping around for insurance for a Grand Caravan in Maryland, the top insurers to get price quotes from are Progressive, State Farm, Geico, and Allstate. When added together, they insure almost half of all policies written. The table below ranks price and claims rank as well as some different options offered by each one.

Who has the cheapest Dodge Grand Caravan insurance quotes?

Drivers have many ways to find cheaper insurance in Maryland, but the most preferred methods are from an exclusive insurance agent such as State Farm or Allstate, an independent agent, or from a direct company like Progressive.

Each way has the same basic steps, but it’s good to know the differences in how they provide price quotes.

Independent insurance agents are appointed by several companies and can quote your policy with every one. These types of agents are appointed with more than one company and can provide you with more rates, which may provide you with improved odds of finding cheaper coverage. If they quote lower rates, it’s easy for the agent to move the policy and you won’t have to switch agencies.

An agent who is captive is only able to write with a single insurance company such as an Auto-Owners or State Farm agent. Exclusive agents cannot provide other companys’ prices, which does not give you the best rate comparison.

If you want to buy insurance direct, you forego local agents and buy from a direct company like Esurance or Geico. This insurance option may be the best choice drivers who have little risk and know what coverages they need.

Which method is best to find cheap insurance for a Dodge Grand Caravan in Maryland? Most people would assume that buying from a direct car insurance company results in the cheapest price since that prevents the need to pay agent commissions, but that generally is not the case. A valid argument could also be made that buying insurance from an independent agent is the best way to go since they can provide multiple quotes, but that assumption is also not necessarily accurate. In many circumstances, the exclusive agents have extremely competitive rates that cannot be beaten by either independent or direct companies.

Due to the large number of rating factors, the only real way to get the cheapest rates is to compare, compare, and compare some more. We highly recommend getting price quotes from all three to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.