Who Has Cheap Car Insurance Rates for a Dodge Grand Caravan in Riverside?

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.

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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.

Dodge Grand Caravan Insurance Rates in Riverside, CA
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.

Riverside, CA Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

How to get discounts on Riverside auto insurance rates

Cheaper Riverside, CA car insurance for a Grand CaravanInsurance 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.

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.