Buying cheap insurance for a Dodge Grand Caravan is pretty easy for most people, but it depends on a complicated formula that considers factors such as your financial responsibility, the performance level of your vehicle, and your choice of deductibles. Washington drivers pay around $763 each year to insure their Grand Caravan, but that is an approximation based upon a 40-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
It’s highly likely you may not be 40 years old (or even female), married instead of single, or maybe you are just looking for cheap liability insurance. Just a minor difference in the factors used in pricing a policy can result in a big discrepancy in the policy rate.
Everyone has unique insurance needs, and this illustrates why the only real way to find the cheapest insurance price for your Dodge is to compare rates from as many companies as possible. In just a few minutes you will get price quotes from top-rated companies around.
The trim level of your vehicle has an effect on the yearly cost, so the rate you will pay to insure a Grand Caravan CV will be $64 less than the cost to insure the higher-priced Grand Caravan SXT trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $136 | $224 | $384 | $22 | $114 | $880 | $73 |
| Grand Caravan SE | $136 | $224 | $384 | $22 | $114 | $880 | $73 |
| Grand Caravan Hero | $136 | $272 | $384 | $22 | $114 | $928 | $77 |
| Grand Caravan Crew | $152 | $272 | $384 | $22 | $114 | $944 | $79 |
| Grand Caravan SXT | $152 | $272 | $384 | $22 | $114 | $944 | $79 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific Seattle garaging location which can change rates considerably.
Finding reliable, cost effective auto insurance is not easy, and finding out which companies offer the lowest-priced car insurance rates for a Dodge Grand Caravan calls for a bit more work. Every insurance company has their own unique process for determining rates in each state, so first let’s look at the rankings for the car insurance companies with the overall best prices in Washington.
Find the Cheapest Car Insurance for Your Dodge
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $784 |
| 2 | Grange | $838 |
| 3 | Nationwide | $961 |
| 4 | PEMCO | $994 |
| 5 | Travelers | $998 |
| 6 | The Hartford | $1,058 |
| 7 | Mutual Enumclaw | $1,065 |
| 8 | USAA | $1,092 |
| 9 | Chubb | $1,094 |
| 10 | Allied | $1,098 |
| 11 | California Casualty | $1,116 |
| 12 | State Farm | $1,141 |
| 13 | American Family | $1,196 |
| 14 | Safeco | $1,216 |
| 15 | Amica | $1,219 |
| 16 | Liberty Mutual | $1,270 |
| 17 | Farmers | $1,315 |
| 18 | National General | $1,480 |
| 19 | Progressive | $1,510 |
| 20 | MetLife | $1,631 |
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Capital quotes some of the most affordable car insurance rates in Seattle at around $784 per year. Grange, Nationwide, PEMCO, and Travelers would also make the list of some of the most economical Seattle, WA car insurance companies.
As the rates illustrate above, if you currently have coverage with Nationwide and switched to Capital, you might achieve a yearly savings of around $177. Customers with PEMCO might save as much as $210 a year, and Travelers policyholders might see rate reductions of $214 a year.
These rates are averages for all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for a Dodge Grand Caravan. So the car insurance company that fits you best may not even be in the top 25 companies in the list above. That points out the importance of why you need to get quotes using your own driver data and vehicle information.
How accidents and tickets impact rates
In a perfect world, the best way to receive low car insurance rates in Seattle for a Grand Caravan is to be a good driver and maintain a clean driving record. The chart below demonstrates how speeding tickets and accidents impact insurance prices for different insured age categories. The rate quotes are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of car insurance per year with a clean driving record and no accidents is $1,781. Factor in two speeding tickets and the average cost surges to $2,390, an increase of $609 each year. Then include one accident along with the two speeding tickets and the yearly cost of car insurance for a Dodge Grand Caravan jumps again to an average of $2,993. That’s an increase of $1,213, or $101 per month, just for being a careless driver!
Rate difference between full and liability-only coverage
Paying less for car insurance is probably important to the majority of people, and an effective way to buy cheaper insurance for a Dodge Grand Caravan is to only buy liability coverage. The illustration below shows the difference between auto insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no claims or driving citations, $1,000 deductibles, single status, and no discounts are applied to the premium.
If averaged for all ages, comprehensive and collision coverage on your policy costs $1,468 per year more than just buying liability insurance. That is a large expense which might make you wonder if buying full coverage is a waste of money. There is no clear-cut rule that works best for making the decision to drop full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
Tips to find economical car insurance for a Dodge Grand Caravan
Lowering your rates is not difficult, and here are a few money-saving ideas that can help Washington drivers buy more affordable auto insurance.
- Bundle home and auto and earn a discount
- Buy a vehicle with excellent safety ratings
- Older vehicles may not need full coverage
- Increase your credit rating
- Do not get into accidents that are your fault
- Compare rates regularly and switch companies to save money
That last tip is notably vital, as we emphasized in this piece. Prices charged by companies can change considerably in a year, so don’t hesitate to switch companies if a better deal can be had. Loyalty to a specific company is fine, but it isn’t a good idea if that loyalty results in overpaying big bucks every year. Spend a few minutes and compare rates and find cheaper insurance for a Dodge Grand Caravan in Seattle.