Compare Dodge Grand Caravan Insurance Quotes in Fresno

The best way we recommend to find affordable quotes for auto insurance rates in Fresno is to start comparing prices regularly from insurance carriers who provide car insurance in California. You can shop around by completing these steps.

• Step 1: Read about what coverages are included in your policy and the things you can change to prevent expensive coverage. Many rating factors that increase rates such as accidents, traffic tickets, and a not-so-good credit rating can be controlled by making minor changes in your lifestyle.
• Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agencies can provide rate quotes for a wide range of companies.
• Step 3: Compare the new rate quotes to your existing rates to determine if you can save on Grand Caravan insurance in Fresno. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.
• Step 4: Give notification to your agent or company of your decision to cancel the current policy. Submit payment along with a signed and completed policy application to your new agent or company. As soon as coverage is bound, put the certificate verifying coverage in your vehicle.

The most important part of shopping around is that you’ll want to compare similar limits and deductibles on every quote request and and to analyze all possible companies. Doing this provides a fair price comparison and the most accurate and complete price analysis.

Shocking but true, most California insurance customers renewed their policy with the same company for well over three years, and virtually 40% of consumers have never taken the time to shop around. U.S. drivers could save as much as 47% every year just by getting comparison quotes, but they just don’t understand the amount of money they would save if they switch to a new company.

Affordable Dodge insurance rate quotes in Fresno

The companies shown below are ready to provide free rate quotes in Fresno, CA. If multiple companies are listed, it’s a good idea that you get rate quotes from several of them to get a more complete price comparison.

Auto insurance statistics for a Dodge Grand Caravan

The rate information shown below highlights detailed analysis of coverage prices for Dodge Grand Caravan models. Learning how insurance rates are calculated can help you make informed decisions when shopping around for a new policy.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific location information which can impact coverage rates significantly.

Physical damage deductible comparison

The hardest decision when buying coverage is what deductibles to buy. The following tables may help to conceptualize the price difference when you select higher and lower policy deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in zip code location which can influence auto insurance rates greatly.

Based on the above data, using a $250 deductible would cost the average driver about $31 more each month or $372 each year averaged for all Grand Caravan models than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 24 months between claim filings, you would probably save some money if you decide on a higher deductible.

Auto insurance rates based on gender

The illustration below compares Dodge Grand Caravan auto insurance rates for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no other discounts are factored in.

Full coverage rates compared to liability-only

The illustration below illustrates the comparison of Dodge Grand Caravan insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims or driving violations, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Should you pay for full coverage or liability only?

There is no set rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s assume your Dodge Grand Caravan replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying your policy deductible. If premium cost is more than $600 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where removing full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Lower Your Fresno Insurance Prices

Lots of factors are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, although others are not as apparent such as whether you are married or your financial responsibility. Part of the car insurance buying process is learning some of the elements that aid in calculating your car insurance rates. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could result in cheaper rates.

• An active policy claims history can cost you – If you are a frequent claim filer, you can pretty much guarantee increased rates or even have your policy non-renewed. Companies in California generally give lower rates to people who are not frequent claim filers. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
• Never go without car insurance – Driving without insurance is against the law and car insurance companies will penalize you for letting your insurance lapse. Not only will rates go up, getting caught without coverage can result in a fine, jail time, or a revoked license.
• Keep the miles off and save – Driving more miles in a year the more you’ll pay to insure your vehicle. Almost all companies calculate prices based on their usage. Autos that are left in the garage can be on a lower rate level compared to those used for work or business. It’s a smart idea to ensure your car insurance coverage properly reflects how each vehicle is driven, because it can save money. Having the wrong rating on your Grand Caravan may be wasting your money.
• Discounts for auto and home policies – The majority of insurance companies provide a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even with this discount applied, drivers will still want to compare other company rates to guarantee you are still saving the most.
• Theft deterrents lowers premiums – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
• Low physical damage deductibles mean high costs – Your deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims would be collision with another vehicle, fire damage, or theft of your vehicle. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.

• Insurance loss probability for a Dodge Grand Caravan – Insurers use data from past claims when setting rates for each model. Vehicles that the data determines to have higher claim frequency or loss amount will cost more for specific coverages.

  The table below outlines the insurance loss data for Dodge Grand Caravan vehicles. For each coverage category, the loss probability for all vehicles averaged together is considered to be 100. Percentage numbers below 100 indicate better than average losses, while values that are above 100 point to more losses or statistically larger losses.

  
  

  Dodge Grand Caravan Insurance Claim Statistics

  Specific Dodge Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Dodge Grand Caravan	79	104	81	108	108	107

  BETTER

  AVERAGE

  WORSE

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

Get discounts to get affordable Fresno insurance quotes

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Some discounts will apply at the time of purchase, but once in a while a discount must be asked about before being credited.

• Drivers Education – Teen drivers should successfully complete driver’s ed class if offered at their school.
• Discount for Low Mileage – Keeping the miles down on your Dodge could earn better rates on cars that stay parked.
• Driving Data Discount – People who choose to allow their insurance company to track where and when they drive through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for lower premium rates.
• Safety Restraint Discount – Drivers who require all occupants to use a seat belt can save a little off PIP or medical payments premium.
• E-sign – A few insurance companies will give you a small discount for buying your policy on their website.
• Active Military Service – Having a family member in the military could be rewarded with lower insurance rates.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride.

The illustration below shows the comparison of Dodge Grand Caravan car insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, safe-driver, and multi-car discounts applied.

The best insurance companies and their possible discounts are outlined below.

• Progressive has savings for multi-vehicle, continuous coverage, homeowner, good student, online quote discount, multi-policy, and online signing.
• MetLife offers discounts including good student, accident-free, good driver, multi-policy, defensive driver, claim-free
• Mercury Insurance may have discounts that include accident-free, good student, annual mileage, type of vehicle, multi-car, location of vehicle, and good driver.
• Nationwide offers premium reductions for accident-free, defensive driving, anti-theft, good student, easy pay, and multi-policy.
• GEICO includes discounts for anti-theft, five-year accident-free, defensive driver, military active duty, federal employee, good student, and anti-lock brakes.
• AAA has discounts for anti-theft, multi-car, pay-in-full, good student, AAA membership discount, and education and occupation.

When getting free Fresno auto insurance quotes, it’s a good idea to each company to give you their best rates. Discounts might not be offered in your area. For a list of insurance companies who offer cheap Dodge Grand Caravan insurance quotes in Fresno, click this link.

Neighborhood agents and car insurance

A lot of people would rather get professional advice from a licensed agent and that is just fine! One of the best bonuses of comparing rates online is that you can obtain cheaper rates and also buy local.

After filling out this form (opens in new window), your coverage information is submitted to insurance agents in Fresno who will give you bids and help you find cheaper coverage. You won’t need to do any legwork since price quotes are sent to you directly. You can find better rates without requiring a lot of work. If you want to get a rate quote from a specific company, just jump over to their website to submit a rate quote request.

Picking the best provider is decision based upon more than just the price. Here are some questions you should ask.

• If your car is in the repair shop, do you have coverage for a rental car?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Does the agency support the community they serve?
• Do you work with a CSR or direct with the agent?
• Will they give you a referral list?
• Which insurance companies are they affiliated with?

When researching a local agent, you must know there are a couple different types of agents and how they can service your needs differently. Car insurance policy providers can be described as either independent agents or exclusive agents.

Exclusive Insurance Agents

Exclusive agencies can only provide pricing for a single company and some examples include Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so they really need to provide good service. Exclusive agents are highly trained on their company’s products which can be an advantage.

Listed below are exclusive agencies in Fresno willing to provide comparison quotes.

View more Fresno agents

Independent Car Insurance Agencies

Independent agencies are not required to write business for one company so they can insure your vehicles with a variety of different insurance companies and find the cheapest rate. If your agent finds better pricing, your agent can just switch to a different company and you stay with the same agent. When searching for an agent, you should always include rate quotes from a few independent agents to maximize your price options.

Shown below are Fresno independent insurance agents willing to provide price quotes.

View more Fresno agents

If you feel you receive satisfactory answers to these questions and a low price estimate, you’ve probably found an auto insurance agent that meets your needs to properly service your car insurance policy.

Affordable coverage is out there

Some insurance providers may not have the ability to get quotes online and usually these small insurance companies sell through independent agents. Cheap Dodge Grand Caravan insurance in Fresno can be found both online as well as from insurance agents, so you need to compare both to get a complete price analysis.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

In this article, we presented a lot of information how to save on Dodge Grand Caravan insurance in Fresno. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

For more information, link through to these articles:

• Choosing an Insurance Company (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Fresno? (FAQ)
• Who Has Affordable Auto Insurance for Single Moms in Fresno? (FAQ)
• Understanding your Policy (NAIC.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Comprehensive Coverage (Liberty Mutual)