Best Cheap Insurance for a Dodge Grand Caravan in Maine

Our editors keep telling us that when writing about auto insurance, the word cheap really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Notwithstanding, cheap car insurance for a Dodge Grand Caravan is not easy to find. But fear not, because we will teach you how you can quote and buy coverage that is cheaper than what you have now.

Your chances of buying the cheapest car insurance for a Dodge Grand Caravan in Maine hinges on dozens of factors like annual miles driven, your credit rating, and driving violations and tickets. Drivers will pay around $510 a year to insure their Grand Caravan, but that price is a ballpark figure calculated using a 30-year-old married female driver that included full coverage and $500 physical damage deductibles.

When projecting a rate like this, the problem is that you’re not a 30-year-old female, single instead of married, and you possibly have other drivers on your policy that need factored in. Every driver has a different risk profile, so your best chance at finding 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 trim level of your Grand Caravan will have an impact the coverage cost, so the price you will pay to insure a Grand Caravan CV trim level will be $54 cheaper than the insurance cost for the more expensive Grand Caravan SXT model, as shown below.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific location information which can affect rates significantly.

Determining which company offers the best car insurance rates for a Dodge Grand Caravan requires a little more effort than just comparing a company or two.

Every insurance company uses their own method for setting rates, so let’s take a look at the lowest cost car insurance companies in Maine. It’s important to know that Maine car insurance rates are determined by lots of factors that control the cost of coverage. Improving your credit score, buying a new vehicle, or getting a driving violation can trigger rate changes resulting in some companies being cheaper in comparison to the competition.

Best Insurance Companies for Your Dodge

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USAA may have some of the best car insurance rates in Maine at around $622 per year. Travelers, Countryway Insurance, Vermont Mutual, and Patriot also make the cut as some of the most economical Maine car insurance companies.

As shown in the rates above, if you currently have a policy with Vermont Mutual and switched to Travelers, you may see annual savings of upwards of $90. Maine drivers with Patriot might save as much as $93 a year, and The Hartford customers might lower prices by up to $104 a year.

It’s important to note that these estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rating modification for a Dodge Grand Caravan. So the auto insurance company that has the cheapest price for you may not even be featured in the list of companies shown earlier. That underscores the importance of why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

Discount Maine insurance

Car insurance companies that provide the best cheap insurance for a Dodge Grand Caravan in Maine may also provide special discounts that may potentially lower prices by as much as 35% if you are eligible for them. A list of car insurance companies and some of the discounts include:

• State Farm includes discounts for student away at school, passive restraint, defensive driving training, Drive Safe & Save, and safe vehicle.
• American Family offers premium reductions for good driver, multi-vehicle, early bird, TimeAway discount, defensive driver, Steer into Savings, and bundled insurance.
• GEICO may offer discounts for air bags, multi-policy, driver training, good student, anti-lock brakes, and five-year accident-free.
• 21st Century offers discounts for early bird, anti-lock brakes, defensive driver, student driver, and good student.
• Progressive offers discounts including continuous coverage, homeowner, online quote discount, good student, and multi-vehicle.

The chart below compares car insurance costs with and without policy discounts. The information is based on a female driver, no tickets, no at-fault accidents, Maine state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, safe-driver, multiple vehicle, claim-free, accident-free, and anti-theft discounts applied. When discounts are applied, the average savings per year on car insurance for a Dodge Grand Caravan is 27% or $369.

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Impact of citations and accidents on Maine insurance rates

In a perfect world, the ideal way to snag the most affordable car insurance rates for a Grand Caravan is to drive safely and avoid getting tickets or having accidents. The chart below shows how speeding tickets and at-fault collisions can impact auto insurance costs for different age categories. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

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In the previous chart, the average cost of car insurance in Maine per year with a clean driving record and no accidents is $926. Receive two speeding tickets and the average cost rises to $1,227, an increase of $301 each year. Now get one accident along with the two speeding tickets and the yearly cost of car insurance for a Dodge Grand Caravan goes up to an average of $1,530. That’s an increase of $604, or $50 per month, just for not keeping your driving record clean!

Does Geico, Allstate, State Farm, or Progressive have the cheapest car insurance?

When comparing insurance for a Grand Caravan, some of the first companies to look at are Geico, Allstate, State Farm, and Progressive. The table below rates price and claims rank as well as some different options that are available for buyers.