Cheap Insurance for a Dodge Grand Caravan in Jacksonville

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The recommended way to find lower priced Dodge Grand Caravan insurance is to start comparing rates regularly from providers who provide car insurance in Jacksonville.

Step 1: It will benefit you to learn about individual coverages and the changes you can make to keep rates low. Many rating factors that result in higher rates such as traffic citations, accidents, and bad credit can be improved by making lifestyle changes or driving safer.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies.

Step 3: Compare the new rates to the premium of your current policy to see if a cheaper price is available. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One thing to remember is that you use identical limits and deductibles on each price quote and and to look at as many companies as possible. This helps ensure an apples-to-apples comparison and the most accurate and complete price analysis.

Insurance rates Dodge Grand Caravan in JacksonvilleAmazingly, the vast majority of consumers in Florida kept their coverage with the same auto insurance company for a minimum of four years, and practically 40% of auto insurance customers have never shopped around. American consumers can cut their rates by as much as 46.5% a year by just comparing quotes, but most tend to underestimate the rate savings if they just switched companies.

This information will tell you the best methods to compare rates and how you can save the most money. If you currently have a car insurance policy, you will definitely be able to get lower rates using this strategy. But Florida car owners must know how the larger insurance companies price insurance differently.

To find inexpensive Jacksonville car insurance quotes, there are several ways to compare rate quotes from different companies. The best way to find the cheapest Dodge Grand Caravan insurance rates is to perform an online rate comparison.

Just remember that comparing more rates from different companies helps increase your odds of locating better pricing. Some insurance companies are not set up to provide rate quotes online, so you need to compare quotes from those companies as well.

The companies shown below have been selected to offer free rate quotes in Florida. If the list has multiple companies, we recommend you visit two to three different companies in order to find the cheapest rates.

Save a ton on Dodge Grand Caravan insurance in Jacksonville with these auto insurance discounts

Some companies don't always publicize every available discount in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious credits that may apply to you.Cheaper auto insurance with discounts

  • Theft Deterrent Discount - Vehicles optioned with advanced anti-theft systems help deter theft and earn discounts up to 10% off your Jacksonville car insurance quote.
  • Jacksonville Homeowners Pay Less - Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • Early Payment Discounts - If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
  • Professional Organizations - Having an affiliation with a qualifying organization may earn a discount when getting a Jacksonville car insurance quote.
  • Government Employee Discount - Employees or retirees of the government may qualify for a discount when you quote Jacksonville car insurance depending on your auto insurance provider.
  • Telematics Discount - Policyholders that allow their auto insurance company to spy on driving manner by using a small device installed in their vehicle such as State Farm's In-Drive could save a few bucks if they have good driving habits.
  • Student in College - College-age children who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
  • Paperless Signup - Certain companies will give a small break shop Jacksonville car insurance on their website.

Drivers should understand that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like you could get a free auto insurance policy, companies wouldn't make money that way.

The example below visualizes the comparison of Dodge Grand Caravan annual premium costs with and without discounts. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.

A few of the larger companies and some of the discounts are included below.

  • State Farm has discounts for Drive Safe & Save, good student, passive restraint, student away at school, and multiple autos.
  • Farmers Insurance may offer discounts for bundle discounts, good student, multi-car, distant student, youthful driver, and teen driver.
  • Progressive offers discounts for good student, continuous coverage, homeowner, online quote discount, multi-policy, and online signing.
  • GEICO discounts include multi-vehicle, air bags, five-year accident-free, anti-theft, anti-lock brakes, and good student.
  • Auto-Owners Insurance has savings for anti-lock brakes, anti-theft, teen driver, multi-policy, and company car.
  • The Hartford offers discounts including good student, driver training, anti-theft, air bag, defensive driver, vehicle fuel type, and bundle.
  • Farm Bureau may have discounts that include safe driver, good student, 55 and retired, driver training, youthful driver, multi-policy, and multi-vehicle.
  • USAA includes discounts for family discount, good student, loyalty savings, military installation, multi-vehicle, defensive driver, and annual mileage.

Before purchasing a policy, check with all the companies to give you their best rates. Some discounts might not be offered on policies everywhere.

Rates and data analysis

The rate information shown below outlines different prices for Dodge Grand Caravan models. Learning how prices are formulated can help you make decisions when shopping around.

Dodge Grand Caravan Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $398 $656 $564 $34 $168 $1,820 $152
Grand Caravan SE $398 $656 $564 $34 $168 $1,820 $152
Grand Caravan Hero $398 $798 $564 $34 $168 $1,962 $164
Grand Caravan Crew $450 $798 $564 $34 $168 $2,014 $168
Grand Caravan SXT $450 $798 $564 $34 $168 $2,014 $168
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in zip code location which can impact price quotes substantially.

Policy deductibles

When buying car insurance, a common question is how high should the deductibles for physical damage be. The figures shown below may help to conceptualize the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

Dodge Grand Caravan insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $322 $446 $418 $24 $124 $1,359 $113
Grand Caravan SE $322 $446 $418 $24 $124 $1,359 $113
Grand Caravan Hero $322 $544 $418 $24 $124 $1,457 $121
Grand Caravan Crew $364 $544 $418 $24 $124 $1,499 $125
Grand Caravan SXT $364 $544 $418 $24 $124 $1,499 $125
Get Your Own Custom Quote Go
Dodge Grand Caravan insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $262 $360 $418 $24 $124 $1,188 $99
Grand Caravan SE $262 $360 $418 $24 $124 $1,188 $99
Grand Caravan Hero $262 $438 $418 $24 $124 $1,266 $106
Grand Caravan Crew $296 $438 $418 $24 $124 $1,300 $108
Grand Caravan SXT $296 $438 $418 $24 $124 $1,300 $108
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can modify price quotes greatly.

Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $15 more each month or $180 each year averaged for all Grand Caravan models than choosing the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 17 months between claim filings, you would most likely save money going with the higher deductible.

Driving violations and accidents

The example below highlights how speeding tickets and at-fault claims can drive up Dodge Grand Caravan auto insurance costs for different age groups of insureds. The rates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Cost comparison with and without full coverage

The chart below illustrates the comparison of Dodge Grand Caravan auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive guideline that works best for making the decision to drop full coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's assume your Dodge Grand Caravan replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your policy deductible. If you are paying over $200 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

You Can Change Your Insurance Premiums

Lots of things are taken into consideration when premium rates are determined. Some are obvious like your driving record, but other criteria are less apparent like your vehicle usage or your financial responsibility. The best way to find cheaper insurance is to take a look at some of the factors that aid in calculating your insurance rates. When you understand what determines premiums, this enables informed choices that could help you find better insurance rates.

Shown below are some of the most common factors used by insurance companies to determine your rates.

  • High performance equals high rates - The performance level of the car, truck or SUV you are trying to find cheaper insurance for makes a significant difference in the rate you pay. The cheapest rates will normally be found when insuring lower performance four cylinder passenger vehicles, but the final cost of insurance is determined by many other factors.

    The following chart uses these assumptions: married male driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Dodge Grand Caravan insurance premiums compared to other models of vehicles that have different performance risks.

  • Rate your vehicle for proper use - The higher the miles on your Dodge annually the higher your rate. Most insurance companies apply a rate partially by how you use the vehicle. Vehicles that sit idle most of the time get more affordable rates than cars that get driven a lot. Having an incorrect usage rating on your Grand Caravan can cost quite a bit. Ask your agent if your insurance policy properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • Gender and car insurance - Over time, data shows women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Females and males are responsible for accidents at about the same rate, but males tend to have higher claims. Men also statistically get more serious tickets like reckless driving and DUI.

    The diagram below shows the comparison of Dodge Grand Caravan car insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, full coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.

  • Be proud to be claim-free - Car insurance companies in Florida generally give the lowest premiums to people who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of larger claims.
  • How much liability protection - Your insurance policy's liability coverage is the protection if ever you are ruled to be at fault for damages from an accident. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Age of drivers impacts prices - Teenage drivers in Florida are known to be more careless when behind the wheel so insurance rates are higher. Adding a youthful driver onto a policy will cause a huge premium hike. More mature drivers are shown to be more cautious, cost insurance companies less in claims, and get fewer tickets.

    The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Policy add-ons may not be needed - Policies have additional extra coverages that you can buy when buying insurance. Insurance for things like rental car coverage, accident forgiveness, and membership fees may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but if you've never needed them in the past remove them and pocket the money.
  • Bundle home and auto and save - Most larger insurance companies afford discounts for people who have multiple policies with them in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even with this discount applied, it's always a smart idea to shop around to confirm you are receiving the best rates possible.
  • Claims statistics for a Dodge Grand Caravan - Insurance companies use past loss statistics for each vehicle when they set coverage costs for each model. Vehicles that statistically have increased claim numbers or amounts will cost more for coverage.

    The table below demonstrates the insurance loss data for Dodge Grand Caravan vehicles. For each policy coverage type, the loss probability for all vehicles combined as an average is equal to 100. Percentage numbers below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate more frequent losses or a tendency for claims to be larger.

    Dodge Grand Caravan Insurance Claim 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local Jacksonville insurance agencies

A lot of people still like to get professional advice from a licensed agent and we recommend doing that One of the benefits of getting online price quotes is you may find lower rates but still work with a licensed agent. Buying from local insurance agents is still important in Jacksonville.

Jacksonville insurance agentsTo find an agent, once you fill out this simple form, the coverage information is instantly submitted to local insurance agents in Jacksonville who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact any agents because prices are sent to you instantly. Get lower rates AND a local agent. If you wish to get a comparison quote from a specific insurance company, you just need to search and find their rate quote page to submit a rate quote request.

Two types of auto insurance agents

When narrowing the list to find a local Jacksonville insurance agent, it's helpful to know the different types of agencies that differ in how they can insure your vehicles. Insurance agencies can be classified as either exclusive or independent.

Independent Insurance Agencies or Brokers

Agents that elect to be independent can quote rates with many companies so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. If your agent finds better pricing, they simply switch companies in-house and you don't have to find a new agent. If you need lower rates, you should always contact multiple independent agents in order to compare the most rates. Many write coverage with smaller companies that can offer cheaper rates than bigger companies.

The following is a partial list of independent insurance agencies in Jacksonville who may be able to give you pricing information.

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Exclusive Insurance Agencies

Exclusive insurance agents have only one company to place business with and examples are State Farm or Allstate. They usually cannot place coverage with different providers so keep that in mind. Exclusive agents are usually well trained on sales techniques which can be an advantage. Many people use the same exclusive agent primarily because of the brand name rather than having the cheapest rates.

Shown below is a list of exclusive agencies in Jacksonville willing to provide comparison quotes.

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Picking the best insurance agent shouldn't rely on just a cheap quote. These are valid questions to ask:

  • What is the financial rating for the quoted company?
  • How experienced are they in personal risk management?
  • Will the agent help in case of a claim?
  • Do they offer rental car reimbursement?
  • Do they carry Errors and Omissions coverage?
  • Which companies do they recommend if they are an independent agency?
  • Which insurance company do they prefer to write with?

Lower rates by being persistent

Consumers switch companies for a number of reasons such as high prices, unfair underwriting practices, not issuing a premium refund and even lack of trust in their agent. It doesn't matter why you want to switch choosing a new insurance company can be less work than you think.

Throughout this article, we presented a lot of techniques to reduce Dodge Grand Caravan insurance car insurance rates online in Jacksonville. It's most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Drivers may even discover the lowest car insurance rates come from a lesser-known regional company.

When shopping online for auto insurance, do not buy less coverage just to save a little money. Too many times, drivers have reduced physical damage coverage to discover at claim time that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

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