Cheap Insurance for a Dodge Grand Caravan in Jacksonville

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

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.

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
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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
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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.

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:

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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