Insurance quotes can be complicated, and understanding how best to reduce your Dodge Grand Caravan premiums isn't easy. An independent insurance agent can walk you through your options, get you multiple quotes, and help you put together an insurance policy that works for you. You need a car insurance policy personalized to meet your needs and your budget.
Not sure where to find an independent insurance agent in your area?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Dodge Grand Caravan.
What Kind of Insurance Do You Need for Your Dodge Grand Caravan?
Bodily injury liability: Bodily injury liability insurance pays for medical costs if you cause an accident and someone else is injured. This type of insurance is usually mandatory.
Property damage liability: Property damage liability insurance is also mandatory in many areas. This coverage pays to repair or replace someone else's possessions that you damage while driving your Dodge Grand Caravan.
With both bodily injury liability and property damage liability, you are responsible for damage that exceed the limits of your policy.
Medical payments/Personal injury protection: Medical payments and personal injury protection insurance pay for medical bills for you and your passengers after a covered accident. This type of insurance handles the bills no matter who is at fault, so you don't have to wait for the insurance companies to work out the details before you get the care you need.
Uninsured motorist coverage: Uninsured and underinsured motorist coverage offers extra protection from drivers who don't have enough insurance or the right types of insurance. Without it, you could end up paying repair and medical bills for an accident that was someone else's fault.
Collision: Collision insurance coverage pays for repairs or replacement of your Dodge Grand Caravan if you are in an accident involving another vehicle. You'll pay your deductible, and then the insurance company picks up the rest for a covered accident up to the value of your Caravan.
Comprehensive: After an accident or incident that doesn't fall under your collision policy, comprehensive insurance coverage pays to repair or replace your Caravan, minus your deductible. If you hit an animal in the road, your car is damaged by falling debris, or your van is stolen, comprehensive coverage kicks in.
Glass coverage: Replacing a windshield costs hundreds of dollars, but it doesn't usually justify opening an insurance claim. With a zero-deductible glass coverage add-on policy, you can get your broken windshield replaced without having to pay for the repairs out of pocket.
Gap insurance: If you rolled in your debt from a previous vehicle or your outstanding loan amount is larger than your Grand Caravan's value, it may be smart to add gap insurance to your policy. Without it, you will be responsible for paying any leftover outstanding amount of the insurance settlement if your Caravan is a total loss after an accident.
What Affects the Cost of Insurance for Your Dodge Grand Caravan?
Annual mileage: If you drive your Caravan more than the average of 10,000 to 15,000 miles each year, your premiums may be a bit higher.
Your driving record: Dodge Grand Caravan drivers with a spotless record enjoy lower insurance rates than those with an at-fault accident or moving violation on their record.
The value of your vehicle: Newer vehicles cost more to repair or replace, so if you own a new Caravan, expect to see higher quotes.
Average Annual Dodge Grand Caravan Rates
|Insurance Rates by Model Year|
|2020 Dodge Grand Caravan:||$1,276|
|2015 Dodge Grand Caravan:||$1,226|
|2010 Dodge Grand Caravan:||$1,074|
|2005 Dodge Grand Caravan:||$950|
Average Dodge Grand Caravan Insurance Costs
A 40-year-old Dodge Grand Caravan driver has a $1,276 annual insurance premium for a full coverage auto insurance policy. Liability-only insurance rates are just $438 per year. Your rates may vary from the average, of course. Your agent can help you get quotes specific to your situation.
The Safety of Your Dodge Grand Caravan
The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Dodge Grand Caravan an overall four-star safety rating. The 2020 Grand Caravan comes with seven airbags, a rear camera, and brake assist with hill-hold control. Choosing a minivan with additional optional safety features could help you get lower insurance premiums.
How Location Affects Your Dodge Grand Caravan Insurance
Your location affects your car insurance premiums. Dodge Grand Caravan drivers who live in a city typically pay more for insurance than those who live in rural areas.
Here's how Dodge Grand Caravan full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible could vary depending on location:
|Rural Areas:||Small Cities:||Large Cities:|
Additional Factors that Affect Your Dodge Grand Caravan Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Dodge Grand Caravan
|Average annual cost to insure a Dodge Grand Caravan with full coverage:||$1,332|
|Top three most expensive states for Dodge Grand Caravan insurance:|
|Michigan, New York, and Louisiana||$1,820|
|Top three most affordable states for Dodge Grand Caravan insurance:|
|Missouri, New Hampshire, and Vermont||$980|
Top Independent Insurance Carriers That Insure the Dodge Grand Caravan
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a Dodge Grand Caravan Quote
An independent insurance agent can get multiple quotes for your Dodge Caravan insurance. They can help you understand your options and make choices about your auto insurance that are in your best interest. Use the TrustedChoice.com find-an-agent tool to get in touch with a local agent. Get started right away and find the best rates on your auto insurance.
TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver