Dodge Grand Caravan Insurance Rates in Fort Worth

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Insurance for Dodge Grand CaravanIt's easy to assume that auto insurance companies want to keep you from shopping around. People who shop around at least once a year will probably buy a new policy because there is a good probability of finding a lower-priced company. A study discovered that drivers who routinely compared rates saved over $865 a year as compared to drivers who don't make a habit of comparing rates.

If saving money on Dodge Grand Caravan insurance is your objective, then having some insight into how to get rate quotes and compare insurance premiums can save time and make the process easier.

It takes a few minutes, but the best way to get discount car insurance rates in Fort Worth is to regularly compare price quotes from providers who can sell car insurance in Texas.

Step 1: Get a basic knowledge of what coverages are included in your policy and the things you can control to drop your rates. Many factors that cause rate increases such as speeding and an unfavorable credit rating can be improved by making minor changes in your lifestyle. Later in this article we will cover information to help reduce prices and find possible discounts that are available.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can provide price quotes from multiple companies. Start a quote

Step 3: Compare the new quotes to your current policy premium and determine if there is any savings. If you can save money and make a switch, make sure coverage does not lapse between policies.

Step 4: Give notification to your current company to cancel your current car insurance policy. Submit payment and a signed application to the new company. Don't forget to safely store the certificate of insurance in your vehicle.

One key aspect when comparing rates is to use similar deductibles and liability limits on each quote and and to compare as many different companies as possible. This provides a level playing field and the best price selection.

If you currently have a car insurance policy, you will most likely be able to lower your rates using the ideas presented in this article. We hope to introduce you to how to effectively get price quotes and some tips to save money. Although Texas vehicle owners do need to understand how big insurance companies market insurance on the web because rates fluctuate considerably.

Cheapest Dodge insurance rate quotes in Fort Worth

The companies shown below offer quotes in Texas. If more than one company is shown, we suggest you visit as many as you can in order to find the cheapest rates.

Rates and statistics

The rate table shown below outlines detailed analysis of insurance policy prices for Dodge Grand Caravan models. Having a good grasp of how car insurance prices are calculated can help guide drivers when making decisions when choosing a new policy provider.

Dodge Grand Caravan Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $156 $264 $430 $26 $128 $1,004 $84
Grand Caravan SE $156 $264 $430 $26 $128 $1,004 $84
Grand Caravan Hero $156 $322 $430 $26 $128 $1,062 $89
Grand Caravan Crew $176 $322 $430 $26 $128 $1,082 $90
Grand Caravan SXT $176 $322 $430 $26 $128 $1,082 $90
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific location which can increase or decrease coverage rates greatly.

How high should deductibles be?

When comparing car insurance rates, the most common question is where to set your physical damage deductibles. The following insurance rates show the cost difference between high and low physical damage deductibles. The first data table uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.

Dodge Grand Caravan insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $294 $408 $382 $22 $114 $1,245 $104
Grand Caravan SE $294 $408 $382 $22 $114 $1,245 $104
Grand Caravan Hero $294 $496 $382 $22 $114 $1,333 $111
Grand Caravan Crew $332 $496 $382 $22 $114 $1,371 $114
Grand Caravan SXT $332 $496 $382 $22 $114 $1,371 $114
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Dodge Grand Caravan insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $240 $328 $382 $22 $114 $1,086 $91
Grand Caravan SE $240 $328 $382 $22 $114 $1,086 $91
Grand Caravan Hero $240 $400 $382 $22 $114 $1,158 $97
Grand Caravan Crew $270 $400 $382 $22 $114 $1,188 $99
Grand Caravan SXT $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in specific garaging location which can decrease or increase premiums significantly.

Based on the above data, using a $250 deductible costs about $14 more each month or $168 each year than selecting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 18 months between claims, you would probably save some money if you choose a higher deductible. Below is a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $109
Average monthly premium for $500 deductibles (subtract): - $95
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

The illustration below demonstrates how choosing different deductibles and can raise or lower Dodge Grand Caravan insurance rates for different insured age categories. The premiums assume a single female driver, full coverage, and no discounts are taken into consideration.

Car insurance discounts are available to cut your rates

Some companies don't necessarily list all their discounts very clearly, so the below list has some of the best known as well as some of the hidden credits available to bring down your rates. If you're not getting every credit possible, you are not getting the best rate possible.Discount car insurance

  • Discount for New Cars - Buying a new car instead of a used Grand Caravan can cost up to 25% less compared to insuring an older model.
  • Payment Discounts - By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Government Employees - Having worked for a branch of the government can save as much as 8% but check with your company.
  • Low Mileage - Driving less could qualify for substantially lower rates.
  • Safe Driver Discounts - Safe drivers may receive a discount up to 45% compared to accident prone drivers.
  • Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn't stay in business. But any discount will definitely reduce the amount you have to pay.

The diagram below shows the difference between Dodge Grand Caravan annual premium costs with and without policy discounts. The prices are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, multi-car, safe-driver, and homeowner discounts applied.

To locate insurance companies with the best discounts in Texas, click here to view.

Components of Your Dodge Grand Caravan Insurance Costs

Many different elements are part of the equation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but some are not quite as obvious such as whether you are married or how safe your car is. The best way to find cheaper car insurance is to take a look at the rating factors that play a part in calculating your premiums. When you understand what impacts premium levels, this enables you to make decisions that can earn you better car insurance rates.

The items below are some of the most common factors used by companies to determine your prices.

  • Driving citations drive up premiums - Just one speeding ticket or other violation may increase your cost forty percent or more. Drivers with clean records get better prices compared to drivers with tickets. Drivers who have gotten serious violations like DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.

    The diagram below shows how traffic citations and accidents can impact Dodge Grand Caravan insurance premiums for different insured age categories. The premiums are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.

  • Insurance claims cost money - Insurance companies in Texas generally give discounts to policyholders who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Insurance coverage is designed for major claims that would cause financial hardship.
  • Put fewer miles on your vehicle - The more miles you rack up on your Dodge annually the higher your rate. Almost all companies apply a rate based on how the vehicle is used. Cars left parked in the garage qualify for better rates than those that get driven frequently. Having an incorrect usage rating on your Grand Caravan can result in significantly higher rates. Ask your agent if your car insurance coverage states the correct usage for each vehicle.
  • Save money by raising physical damage deductibles - The deductibles you choose are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, vandalism, and having a roll-over accident. The larger the amount the insured has to pay upfront, the better rate you will receive.
  • Insurance losses for a Dodge Grand Caravan - Car insurance companies include the past claim history for a vehicle when they file their rates in each state. Models that statistically have higher frequency or amount of claims will have higher premium rates.

    The table below illustrates the compiled insurance loss statistics for Dodge Grand Caravan vehicles. For each coverage type, the statistical loss for all vehicles combined as an average is represented as 100. Values below 100 indicate a favorable loss history, while numbers that are greater than 100 point to more claims or statistically larger losses.

    Dodge Grand Caravan Insurance Loss Statistics
    Specific Dodge Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Dodge Grand Caravan 79 104 81 108 108 107
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

When in doubt talk to an agent

Always keep in mind that when comparing coverage online or from an agent, there really isn't a "best" method to buy coverage. You are unique and your policy should reflect that.Auto insurance savings Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • Should I rate my vehicle as business use?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I get by with minimal medical coverage if I have good health insurance?
  • What is the difference between comprehensive and collision coverage?
  • Can my babysitter drive my car?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have newly-acquired coverage?
  • Why do I have to buy liability insurance?
  • Do I have coverage when making deliveries for my home business?

If you can't answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Local Fort Worth insurance agents

Certain consumers prefer to talk to a local agent and that can be a great decision An additional benefit of getting online price quotes is you may find cheap insurance quotes but still work with a licensed agent.

Insurance agency in Fort WorthTo make it easy to find an agent, after completing this form (opens in new window), your coverage information is submitted to participating agents in Fort Worth who will gladly provide quotes for your coverage. You won't need to search for an agent due to the fact that quote results will go to the email address you provide. You can get cheaper insurance rates AND an agent nearby. If for some reason you want to quote rates from one company in particular, feel free to go to their quote page to submit a rate quote request.

Finding the right insurance company needs to be determined by more than just the quoted price. Here are some questions to ask:

  • Do they get paid more for recommending certain coverages?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • When do they do a full risk review?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do they regularly work with personal auto policies in Fort Worth?
  • How long has their agency been open in Fort Worth?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

Types of auto insurance agents in Fort Worth

When searching for a reputable agency, it's helpful to know the types of insurance agents from which to choose. Insurance agencies are categorized either independent (non-exclusive) or exclusive.

Exclusive Agencies

Exclusive agents normally can only provide a single company's rates and some examples include Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to place coverage with different providers so if the price isn't competitive there isn't much they can do. Exclusive agents are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets. Consumers often use the same agent primarily because of the prominence of the brand and solid financial strength.

The following is a list of exclusive agents in Fort Worth that are able to give price quote information.

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Independent Agents (or Brokers)

Agents in the independent channel do not write with just one company and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If your premiums go up, your policy is moved internally and that require little work on your part.

If you are trying to find cheaper rates, we highly recommend that you get quotes from independent agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with companies you've never heard of that may provide cheaper insurance rates.

Listed below is a short list of independent insurance agencies in Fort Worth that can give you comparison quotes.

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In conclusion

We covered some good ideas how you can compare Dodge Grand Caravan insurance rates in Fort Worth. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a company that doesn't do a lot of advertising. These smaller insurers may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm and Allstate.

When you buy Fort Worth car insurance online, it's a bad idea to skimp on critical coverages to save a buck or two. Too many times, an insured dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Additional auto insurance information is available at the links below