Finding the cheapest car insurance for a Dodge Grand Caravan in California hinges on many factors such as how many years you have been driving, whether you are claim-free, and the deductible amount you use. Drivers in California pay on average $1,191 each year for Grand Caravan insurance, but that price is using a 50-year-old married male driver with full physical damage coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you're not a 50-year-old male, you might be single instead of married, and maybe your Grand Caravan is older and does not require full coverage. Each driver's needs are different, and that demonstrates why the best method for finding cheap auto insurance rates for your Dodge is to just compare rates yourself.
Your vehicle's trim level impacts the annual cost of coverage, so the cost to insure a Grand Caravan CV model will be $142 less expensive the insurance cost for the more costly Grand Caravan SXT version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$296||$480||$424||$26||$126||$1,352||$113|
|Grand Caravan SE||$296||$480||$424||$26||$126||$1,352||$113|
|Grand Caravan Hero||$296||$584||$424||$26||$126||$1,456||$121|
|Grand Caravan Crew||$334||$584||$424||$26||$126||$1,494||$125|
|Grand Caravan SXT||$334||$584||$424||$26||$126||$1,494||$125|
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in your specific Riverside location which can increase or decrease rates substantially.
Car insurance companies ranked
Ending up with the right company can be difficult considering how many choices you have in Riverside. The rank data listed below may help you choose which companies to look at when trying find the best insurance for a Dodge Grand Caravan. These rankings are for the companies with a significant amount of written premium nationwide, so companies that may only write in California will not be included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Riverside auto insurance rates
Insurance providers that provide coverage for a Dodge Grand Caravan may also give you price discounts that can lower rates by 25% or more if you meet the requirements. Large car insurance companies and the discounts they provide can be read below.
- Progressive has savings for homeowner, online signing, multi-policy, multi-vehicle, good student, and continuous coverage.
- Farmers Insurance may have discounts that include homeowner, multi-car, distant student, early shopping, teen driver, and pay in full.
- Farm Bureau offers discounts for driver training, multi-vehicle, 55 and retired, safe driver, good student, renewal discount, and multi-policy.
- State Farm discounts include defensive driving training, good student, Drive Safe & Save, accident-free, safe vehicle, Steer Clear safe driver discount, and multiple autos.
- GEICO may include discounts for military active duty, five-year accident-free, emergency military deployment, multi-vehicle, air bags, and defensive driver.
- SAFECO policyholders can earn discounts including anti-lock brakes, safe driver, homeowner, teen safety rewards, accident prevention training, and bundle discounts.
- Liberty Mutual offers discounts including preferred payment discount, multi-policy, hybrid vehicle, new vehicle discount, multi-car, and new move discount.
The information below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, defensive driving course, anti-theft, homeowner, accident-free, and marriage discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for a Dodge Grand Caravan is 28% or $585.
Safe drivers pay cheaper rates
In a perfect world, the ideal way to receive the most affordable car insurance rates for a Grand Caravan is to pay attention while driving and have a clean driving record. The information below demonstrates how citations and fender-benders can drive up insurance costs for each different age group. The premiums are based on a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of auto insurance in California per year with a clean driving record and no accidents is $1,927. Receive one speeding ticket and the average cost swells to $2,245, an increase of $318 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of car insurance for a Dodge Grand Caravan increases to an average of $3,129. That's an increase of $1,202, or $100 per month, just for not being more responsible behind the wheel!
The chart below illustrates how choosing a deductible can change annual premium costs when getting quotes for cheap insurance for a Dodge Grand Caravan. Data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.
In the chart above, a 50-year-old driver could reduce rates by $434 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $656 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could lower their rates as much as $1,098 every year by using higher deductibles when buying full coverage. If you make the decision to raise deductibles, it will be required to have enough in a savings account to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.