Compare Dodge Grand Caravan Insurance Rates in Scottsdale

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Dodge Grand Caravan insurance policy
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Regrettably, the vast majority of insurance customers kept their policy with the same company for more than four years, and almost 40% of drivers have never compared rates with other companies. Scottsdale consumers could save up to 50% every year, but they don't know the large savings they would see if they switch to a new company.

Discount Dodge Grand Caravan insuranceIf you want to find the absolute lowest rates, then the best way to find cheaper prices for car insurance rates in Scottsdale is to start comparing prices regularly from companies who sell insurance in Arizona. Price quotes can be compared by following these steps.

  • First, read about how your policy works and the changes you can make to drop your rates. Many things that result in higher rates like inattentive driving and a low credit rating can be eliminated by being financially responsible and driving safely. This article provides more ideas to get cheaper rates and get bigger discounts that may have been overlooked.
  • Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can provide prices from multiple sources.
  • Third, compare the price quotes to the premium of your current policy to determine if you can save on Grand Caravan insurance in Scottsdale. If you find a lower rate, ensure coverage does not lapse between policies.
  • Fourth, provide proper notification to your current company of your decision to cancel your current policy and submit any necessary down payment along with the completed application to your new agent or company. As soon as coverage is bound, keep your new certificate verifying proof of insurance with the vehicle registration.

The most important part of this process is that you'll want to compare the same deductibles and limits on every price quote and and to get rates from as many companies as you can. Doing this provides a level playing field and the best price selection.

Buying the cheapest car insurance in Scottsdale is actually quite simple. If you're already insured or want to find a cheaper company, take advantage of these tips to find better prices without reducing protection. Drivers just need to know the fastest way to compare price quotes online.

How to find affordable Dodge Grand Caravan insurance in Scottsdale, Arizona

Most major insurance companies like State Farm, Allstate and GEICO provide coverage prices directly from their websites. Obtaining pricing for Dodge Grand Caravan insurance in Scottsdale is pretty painless as you simply enter the amount of coverage you want into the form. Upon sending the form, their rating system pulls your driving record and credit report and returns a price based on the information you submitted.

Being able to quote online for Dodge Grand Caravan insurance in Scottsdale makes it simple to compare prices and it's necessary to have as many quotes as possible if you want to get lower-cost rates.

To quickly get comparison pricing now, compare rate quotes from the providers shown below. If you have coverage now, it's recommended you input coverages and limits as shown on your current policy. Doing this assures you will be getting rate comparison quotes using the same coverage and limits.

The companies shown below have been selected to offer comparison quotes in Scottsdale, AZ. If you want to find cheap auto insurance in Scottsdale, we recommend you visit two to three different companies in order to get a fair rate comparison.

Statistics and details

The coverage table displayed below showcases different rate quotes for Dodge Grand Caravan models. Having insight into how insurance prices are calculated helps drivers make smart choices when buying a car insurance policy.

Dodge Grand Caravan Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $162 $254 $314 $18 $94 $842 $70
Grand Caravan SE $162 $254 $314 $18 $94 $842 $70
Grand Caravan Hero $162 $308 $314 $18 $94 $896 $75
Grand Caravan Crew $182 $308 $314 $18 $94 $916 $76
Grand Caravan SXT $182 $308 $314 $18 $94 $916 $76
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in your specific Scottsdale location which can change rates greatly.

Higher deductibles lower rates

When buying auto insurance, a common question is at what level do you set your deductibles. The rates below can help you visualize the differences in price between high and low coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.

Dodge Grand Caravan insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $258 $382 $300 $18 $90 $1,073 $89
Grand Caravan SE $258 $382 $300 $18 $90 $1,073 $89
Grand Caravan Hero $258 $466 $300 $18 $90 $1,157 $96
Grand Caravan Crew $292 $466 $300 $18 $90 $1,191 $99
Grand Caravan SXT $292 $466 $300 $18 $90 $1,191 $99
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Dodge Grand Caravan insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $144 $202 $300 $18 $90 $754 $63
Grand Caravan SE $144 $202 $300 $18 $90 $754 $63
Grand Caravan Hero $144 $246 $300 $18 $90 $798 $67
Grand Caravan Crew $162 $246 $300 $18 $90 $816 $68
Grand Caravan SXT $162 $246 $300 $18 $90 $816 $68
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in Scottsdale location which can lower or raise coverage prices considerably.

Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $28 more each month or $336 for a full year than opting for the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 32 months between claims, you would save more money if you decide on a higher deductible. Here is an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $94
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 32 months

How violations and accidents impact rates

The information below highlights how traffic violations and accident claims can drive up Dodge Grand Caravan auto insurance costs for different ages of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The information below compares Dodge Grand Caravan annual premium costs with and without full coverage. The data is based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule that is best for determining when to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Dodge Grand Caravan replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the policy deductible has been paid. If premiums are more than $600 annually for full coverage, then you might want to consider buying only liability coverage.

There are a few situations where only buying liability is not recommended. If you haven't paid off your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

What Determines Dodge Grand Caravan Insurance Premiums?

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that may reward you with lower car insurance prices.

Listed below are some of the factors companies use to determine your rates.

Low coverage deductibles can be expensive - Insurance for physical damage to your car, also called 'full coverage', is used to repair damage to your vehicle. Examples of some claims that would be covered would be a windshield shattered by a rock, collision with an animal, and burglary. Deductibles for physical damage define the amount you are required to pay before a claim is paid by your company. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.

Drive a safer car and pay less - Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.

Policy add-ons add up - There are a lot of additional coverages that can waste your money if you aren't diligent. Add-on coverages like rental car coverage, accident forgiveness, and motor club memberships may not be needed and are just wasting money. They may seem good at first, but if you don't need them eliminate them to save money.

Insurance rates and vehicle performance - The performance of the car you own makes a significant difference in your premium level. The cheapest insurance rates are for the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.

The next chart uses these variables: single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The data compares Dodge Grand Caravan insurance premiums compared to other models of vehicles that have a range of performance risks.

Men drivers tend to cost more - Over time, data shows that women are safer drivers than men. The data does not necessarily mean that women are better drivers. Males and females are responsible for accidents at about the same rate, but the male of the species cause more damage. Not only that, but men also have more aggressive citations such as DWI and reckless driving. Male teenagers cause the most accidents and therefore are the most expensive to insure.

The illustration below compares Dodge Grand Caravan auto insurance rates for male and female drivers. The prices are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

Marriage discount - Walking down the aisle actually saves money when buying car insurance. Marriage may mean you are less irresponsible and statistics prove married drivers tend to file fewer claims.

Dodge Grand Caravan statistical loss data - Auto insurance companies analyze the history of losses to help calculate a profitable premium price. Vehicles that are shown to have a trend towards higher claim severity or frequency will have higher premium rates. The next table shows the compiled insurance loss statistics for Dodge Grand Caravan vehicles.

For each policy coverage type, the loss probability for all vehicles as a whole is a value of 100. Values that are 100 or less are indicative of better than average losses, while percentages above 100 point to more claims or an increased chance of a larger loss.

Insurance Loss Ratings for Dodge Grand Caravan Vehicles
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Dodge Grand Caravan 79 104 81 108 108 107

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Buying the right Grand Caravan insurance in Arizona is an important decision

Even though it's not necessarily cheap to insure a Dodge in Scottsdale, buying auto insurance serves several important purposes.

  • Most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability protection in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your vehicle with a loan, it's guaranteed your bank will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Dodge at a more expensive rate and force you to pay much more than you were paying before.
  • Insurance protects not only your Dodge but also your assets. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in Arizona is overpaying over $700 annually so compare quotes from several companies every year to make sure the price is not too high.