Compare Dodge Grand Caravan Insurance Quotes in Fresno

Discount Dodge Grand Caravan insuranceThe 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.

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.

Dodge Grand Caravan Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $434 $564 $578 $34 $174 $1,784 $149
Grand Caravan SE $434 $564 $578 $34 $174 $1,784 $149
Grand Caravan Hero $434 $686 $578 $34 $174 $1,906 $159
Grand Caravan Crew $490 $686 $578 $34 $174 $1,962 $164
Grand Caravan SXT $490 $686 $578 $34 $174 $1,962 $164
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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.

Dodge Grand Caravan insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $342 $472 $442 $26 $132 $1,439 $120
Grand Caravan SE $342 $472 $442 $26 $132 $1,439 $120
Grand Caravan Hero $342 $576 $442 $26 $132 $1,543 $129
Grand Caravan Crew $386 $576 $442 $26 $132 $1,587 $132
Grand Caravan SXT $386 $576 $442 $26 $132 $1,587 $132
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Dodge Grand Caravan insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $210 $298 $442 $26 $132 $1,108 $92
Grand Caravan SE $210 $298 $442 $26 $132 $1,108 $92
Grand Caravan Hero $210 $362 $442 $26 $132 $1,172 $98
Grand Caravan Crew $238 $362 $442 $26 $132 $1,200 $100
Grand Caravan SXT $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

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.

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.Discount insurance

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.

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.

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.

745 E Locust Ave Ste 109Fresno, CA 93720(559) 449-1603View Map

1625 E Shaw Ave #148Fresno, CA 93710(559) 224-2100View Map

1390 N Wishon AveFresno, CA 93728(559) 485-0413View Map

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.

2520 W Shaw Ln #104Fresno, CA 93711(559) 320-2247View Map

964 Pollasky Ave bClovis, CA 93612(559) 323-0333View Map

4005 N Blackstone Ave #101Fresno, CA 93726(559) 222-4140View Map

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.

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