How Much is Insurance for a Dodge Grand Caravan in Vermont?

The chances of buying the best cheap car insurance for a Dodge Grand Caravan in Vermont depends on many rating factors like whether you are male or female, if you have ever let your policy lapse, and if you have a history of accidents. Drivers pay an average rate of $740 per year to buy insurance for a Dodge Grand Caravan, but that cost is a ballpark figure rating a 30-year-old single female driver who requires full comprehensive and collision coverage and $500 policy deductibles.

The issue with using an average estimated rate is the likelihood you are not a 30-year-old female, you might be married instead of single, or maybe you have a speeding ticket that needs to be factored in. Even a minor difference in the factors used in pricing a policy can result in a massive change in the coverage rate.

Every driver’s needs are different, and that is why your best shot at finding the most affordable coverage for your Dodge is to put in the effort to do a thorough rate comparison. Quotes only take a couple of minutes and you will get price quotes from top-rated companies that sell coverage in Vermont.

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The trim level of your vehicle will likely have an effect on the coverage cost, so the rate you will pay to insure a Grand Caravan CV trim level will be $76 cheaper than the price to insure the high end Grand Caravan SXT trim level, as shown in the prices below.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in specific zip code location which can change prices substantially.

Shopping around for cost effective insurance is easier said than done, and finding out which companies offer the lowest-priced insurance rates for a Dodge Grand Caravan takes more quotes for comparison. Each insurance company uses their own calculation for determining prices, so we’ll take a look at the overall cheapest insurance companies in Vermont.

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Safeco offers some of the most affordable car insurance rates in Vermont at around $477 a year. California Casualty, The Hartford, USAA, and Travelers would also make the list of some of the cheapest Vermont car insurance companies.

As shown in the rates above, if you currently have a policy with USAA and switched to Safeco, you could see a yearly price reduction of in the neighborhood of $168. Customers with Travelers might save as much as $231 a year, and Unitrin insureds might see rate reductions of $233 a year.

Bear in mind that those prices are averages across all types of insureds and vehicles and do not factor in a specific rate value for a Dodge Grand Caravan. So the company that fits you best may not even be included in the chart above. That’s why you need to compare as many prices as possible using your own individual information.

Discounts on cheap insurance for a Dodge Grand Caravan in Vermont

Insurance providers that provide coverage for a Dodge Grand Caravan may have rate discounts that could lower prices by as much as 35% if you meet specific criteria. A list of companies and some of their more popular discounts are included below.

The information below visualizes the comparison of insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no violations or accidents, Vermont state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple vehicle, marriage, multiple policy, accident-free, safe-driver, and vehicle safety discounts applied. In this example, the average amount saved each year on insurance for a Dodge Grand Caravan is % or $.

Impact of careless driving on insurance rates

In a perfect world, the best way to maintain low insurance premiums in Vermont for a Grand Caravan is to drive cautiously and avoid accidents and traffic citations. The illustration below demonstrates how citations and at-fault claims impact yearly insurance costs for different categories of driver ages. The information is based on a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

In the example above, the average cost of car insurance in Vermont per year with no violations or accidents is $1,502. Get two speeding tickets and the average cost swells to $1,988, an increase of $486 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance for a Dodge Grand Caravan goes up to an average of $3,754. That’s an increase of $2,252, or $188 per month, just for not being attentive to the road!

Is the best company Progressive, Geico, Allstate, or State Farm?

When it comes to buying insurance for a Grand Caravan in Vermont, the four most popular companies are Progressive, Geico, Allstate, and State Farm. The following table rates price and claims rank as well as some different options shoppers can find with each company.

Cheap Dodge Grand Caravan insurance quotes

Thanks to technology, there are a lot of ways to find affordable insurance in Vermont, but the most prevalent ways are from an exclusive agency like State Farm or Liberty Mutual, an independent insurance agent, or direct either online or via phone.

All three ways are similar, but they differ in how they provide price quotes.

Independent agents work for many companies and can do rate comparisons with all of them. They can sell policies from many different companies and can give you more rates, which can give you the best idea of how your rates compare. If they find a lower price, the agent simply finds a different carrier which prevents you from having to find an new insurance agent.

An agent who is captive is only able to write business for one insurance company, two of the more popular are Allstate and Liberty Mutual agents. Exclusive agents are unable to give you multiple price quotes, so if rates are not competitive, they cannot shop around.

Opting to purchase insurance direct means you skip local insurance agents and instead buy buying direct from a company like Geico or Progressive. Buying direct is a good choice for drivers who have limited assets and have a good understanding of the exclusions of a policy.

When shopping for insurance, which way works best to find cheap insurance for a Dodge Grand Caravan in Vermont? We’d like to say buying from a direct company results in the best prices since there is no middleman, but unfortunately, that is not the case. We could also say that using an independent agent guarantees the cheapest rates due to more options, but that is not accurate either. In many cases, the exclusive agents have coverage prices that cannot be beaten by either independent or direct companies.

Because of the variability of insurance rates, really the only way to make sure you’re not overpaying for insurance is to compare, compare, and compare some more. To cover all the bases, get rate quotes from independent agents, exclusive agents, and direct companies to give yourself the best selection. For a list of insurance companies with low rates, click here to view.