Buying cheap coverage for a Dodge Grand Caravan in Florida doesn’t take a ton of time, but it is dependent upon a whole bunch of factors such as your age, if you have prior claims, and any driving offenses on your record. Drivers in Florida pay approximately $1,125 per year for Grand Caravan insurance, but that amount is an estimate based on a 50-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
But there is a high probability that you may not be 50 years old (or even male), you might be single instead of married, and you don’t want the same coverages and limits as the example. Everone’s needs are different, and this illustrates why the way we recommend to find the most affordable coverage for your Dodge is to do your own rate comparisons. In just a couple of minutes you will receive prices from the cheapest companies available.
Your vehicle’s trim level will influence price, so the rate you will pay to insure a Grand Caravan CV model will be $136 less than the cost to insure the higher-end Grand Caravan SXT trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$280||$452||$400||$24||$120||$1,276||$106|
|Grand Caravan SE||$280||$452||$400||$24||$120||$1,276||$106|
|Grand Caravan Hero||$280||$552||$400||$24||$120||$1,376||$115|
|Grand Caravan Crew||$316||$552||$400||$24||$120||$1,412||$118|
|Grand Caravan SXT||$316||$552||$400||$24||$120||$1,412||$118|
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific location which can decrease or increase rates substantially.
Finding good, cheap auto insurance is not easy, and deciding which companies offer the cheapest car insurance rates for a Dodge Grand Caravan will require a little more work. Each insurer uses a different method to determine rates, so let’s take a look at the car insurance companies that tend to be cheaper in Florida.
Cheap Insurance Rates for Your Dodge
|Rank||Company||Cost Per Year|
|Find Your Rate Go|
USAA may have some of the lowest car insurance rates in Orlando at around $986 a year. This is $1,462 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Allied are also some of the cheapest Orlando, FL car insurance companies.
As shown in the table above, if you are currently insured with Progressive and switched to Electric, you might achieve savings of upwards of $83. Drivers with Allied might save as much as $180 a year, and Mercury policyholders might reduce prices by as much as $187 a year.
To get a quick, customized rate comparison, click here to get quotes or visit several of the following companies.
These premiums are averages for all types of insureds and vehicles and and are not figured with a specific zip code for a Dodge Grand Caravan. So the insurer that has the lowest price for you may not even be in the top 21 companies in the list above. That points out the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.
The diagram below highlights how deductible choice can influence yearly insurance costs when trying to find cheap insurance for a Dodge Grand Caravan. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could reduce rates by $400 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $606 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices as much as $1,196 or even more by selecting a higher deductible.
When using a larger deductible, it’s a good idea to have enough spare savings to offset the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Are you paying too much for car insurance?
Orlando car insurance rates are influenced by many factors that can increase the cost of your policy. Turning one year older, increasing deductibles, or getting a few speeding tickets may generate price changes that can cause some rates to be cheaper than competitors. And not only may your rating factors change, but insurance companies file new Florida auto insurance rates every year or even multiple times each year in order to offset underwriting gains or losses. Significantly higher claims can cause more expensive premiums, while a better loss history can cause cheaper Grand Caravan insurance rates.
The chart below shows which companies have the cheapest car insurance in Orlando, FL for a 40-year-old female driver with a clean driving record, no accidents, and solid credit. When comparing rates based on her current situation, USAA offers the most affordable car insurance rates in Orlando at $1,252 each year. This is $1,196 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also make the list of the best Orlando, FL auto insurance companies.
In this example, we will give the driver from the first rate comparison a claim or two, less-than-perfect credit, and a speeding ticket. Since every car insurance company has a proprietary formula to set their prices, analyzing rates may result in a different ranking of the cheapest Orlando car insurance companies as shown below.
USAA now has the lowest price in Orlando, FL with Mercury, GEICO, Esurance, and Auto-Owners also having competitive pricing. This example shows why Florida drivers need to compare many different companies to get affordable car insurance rates for a Dodge Grand Caravan.
Auto insurance prices are impacted by many factors and can increase or decrease at any time, so the most affordable company a year ago may now be wasting a lot of money.
How to find budget-friendly insurance for a Dodge Grand Caravan
It is possible to find better rates, and here are some thrifty suggestions that can help you locate cheap coverage.
- At-fault accidents can raise rates significantly
- Just one traffic violation will increase your rates
- Try paying for small claims out-of-pocket
- Increase physical damage deductibles
- Don’t waste money on full coverage for older vehicles
- Ensure you have the best deal by shopping around regularly
The last suggestion is extraordinarily necessary, as was affirmed in this piece. Prices charged by companies can change considerably in a year, so drivers shouldn’t be reluctant to switch companies if you find a cheaper price.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if your bullheadedness ends up costing you hundreds every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for a Dodge Grand Caravan in Orlando.
If you have coverage questions and would like to get help from a professional when buying car insurance for a Dodge Grand Caravan, the insurance agencies listed below are willing to provide answers to your questions and help you determine which coverages you need.
To locate an agency in your neighborhood, click the button at the bottom or click here to compare prices now.
J Short Insurance Agency
2901 Curry Ford Rd #212 – Orlando, FL 32806 – (407) 849-9000
Sikes Insurance Agency Inc
5145 Curry Ford Rd – Orlando, FL 32812 – (407) 282-5145
Jim Daniels – State Farm Insurance Agent
4759 S Conway Rd – Orlando, FL 32812 – (407) 855-6791
National Insurance Agencies
1005 N Pine Hills Rd – Orlando, FL 32808 – (407) 480-5521