Save Money on Dodge Grand Caravan Insurance in Seattle

How many times have you told yourself to find low-cost Dodge Grand Caravan insurance in Seattle? Are you burned out from trying to scrape together enough money to keep your car insured? You are no different than millions of other drivers.

Surprisingly, a recent survey revealed that nearly 70% of customers renewed their policy with the same company for a minimum of four years, and 38% of drivers have never compared rates to find cheaper insurance. American drivers can save up to 46.5% each year by just comparing rate quotes, but they don’t understand how simple it is to compare rate quotes.

Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the lowest rate possible on Dodge Grand Caravan insurance in Seattle.

It’s a good habit to quote other rates before your policy renews due to the fact that insurance prices are rarely the same from one policy term to another. If you had the best price on Dodge Grand Caravan insurance in Seattle a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to teach you the only way to save money, get proper coverage and the best rates.

If you are already insured, you will definitely be able to cut your premiums using the following tips. Locating the best rates in Seattle is easy if you know what you’re doing. Although Washington car owners do need to know how insurance companies determine what you pay because rates fluctuate considerably.

Compare Dodge Grand Caravan insurance rates

When price shopping your coverage, getting more free quotes increases your odds of finding a better price.

The providers in the list below have been selected to offer price quotes in Washington. If multiple companies are shown, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific Seattle garaging location which can influence premiums substantially.

Full coverage rates vs. liability-only

The chart below examines Dodge Grand Caravan insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Washington. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, single male driver, and no discounts are factored in.

Should you pay for full coverage or liability only?

There isn’t a steadfast formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Dodge Grand Caravan settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying your policy deductible. If you are paying in excess of $600 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some situations where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Raise deductibles and save

When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The tables below approximate how much more rates are between high and low physical damage deductibles. The first data table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific location which can change premiums noticeably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $20 more each month or $240 a year than opting for the higher $1,000 deductible. Since the policyholder 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 normally average at least 38 months between claim filings, you would probably save some money if you choose a higher deductible. Here is how you can do this calculation yourself.

One important issue to know is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you do file a claim. That will require a higher level of savings in the event you have to pay more to get your vehicle repaired.

Raise deductibles and save

The information below illustrates how choosing a deductible and can change Dodge Grand Caravan insurance prices for each different age category. The premiums assume a married female driver, comp and collision included, and no discounts are applied to the premium.

Do you qualify for these five discounts?

Car insurance can cost a lot, but there could be significant discounts that may help make it more affordable. Some trigger automatically at the time of quoting, but a few must be specifically requested before you will receive the discount.

• Theft Prevention System – Cars with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Resident Student – College-age children who are attending college and leave their car at home can receive lower rates.
• Air Bags and Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20% or more.
• Data Collection Discounts – Policyholders that allow driving data collection to monitor driving manner remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they have good driving habits.
• Low Mileage – Low mileage vehicles may allow you to get substantially lower rates.

It’s important to understand that most discount credits are not given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To view companies who offer free Dodge Grand Caravan insurance quotes in Washington, click here to view.

Neighborhood Seattle auto insurance agents

A small number of people still like to visit with an insurance agent and that is a personal choice. An additional benefit of getting free rate quotes online is you can get cheaper prices and also buy local. Putting coverage with local agents is important particularly in Seattle.

To find an agent, once you fill out this simple form, your insurance data is immediately sent to local insurance agents who want to provide quotes and help you find cheaper coverage. You won’t need to contact an agency because prices are sent to you instantly. You can find better rates and an insurance agent to talk to. If you want to get a price quote from one company in particular, you would need to jump over to their website and fill out the quote form the provide.

Choose the right auto insurance agent

If you’re trying to find a reliable insurance agency, you must know there are a couple different types of agencies and how they function. Auto insurance agencies can be classified as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies

These type of agents are not locked into one company and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. If they find a cheaper price, your agent can switch companies and you stay with the same agent.

When comparing auto insurance rates, we recommend you get quotes from at a minimum one independent agency for the best price selection.

Shown below is a small list of independent insurance agencies in Seattle who can help you get cheap rate quotes.

More insurance agents

Exclusive Auto Insurance Agencies

These type of agents can only provide one company’s prices such as State Farm, AAA, and Liberty Mutual. They usually cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well trained in insurance sales which aids in selling service over price.

Shown below is a list of exclusive agents in Seattle who can help you get price quote information.

More insurance agents

Picking an insurance agent is decision based upon more than just the bottom line cost. Get answers to these questions too.

• Which family members are covered?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Can you contact them at any time?
• How much experience to they have in personal lines coverages?
• Do you need full coverage on every vehicle?

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there really isn’t a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

• Is my teenager covered with friends in the car?
• Am I getting all the discounts available?
• Will I lose any money if I cancel my policy before it expires?
• Is my camper covered for physical damage?
• What vehicles should carry emergency assistance coverage?
• Do I need replacement cost coverage?
• Should I buy only the required Washington minimum liability coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance does more than just repair your car

Even though Seattle Grand Caravan insurance rates can get expensive, maintaining insurance is required by state law in Washington and it also provides benefits you may not be aware of.

First, most states have mandatory insurance requirements which means the state requires a specific minimum amount of liability in order to license the vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your car, almost every bank will require you to have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Dodge at an extremely high rate and force you to pay the higher premium.

Third, insurance protects not only your vehicle but also your assets. It will also pay for medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance outweigh the cost, specifically if you ever have a liability claim. The average driver in Washington is overpaying over $865 each year so smart consumers compare quotes at least once a year to be sure current rates are still competitive.

Auto insurance coverage specifics

Having a good grasp of a auto insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses such as surgery, hospital visits, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Grand Caravan.

Since many Washington drivers carry very low liability coverage limits (25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, a broken windshield, hitting a deer and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage will cover damages or injuries you inflict on people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/10 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible. Washington requires minimum liability limits of 25/50/10 but it’s recommended drivers buy more liability than the minimum.

Auto collision coverage

This coverage pays for damage to your Grand Caravan from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible on your Grand Caravan to get cheaper collision coverage.

The most affordable rates come from being thorough

Some auto insurance companies do not offer online quoting and usually these smaller providers sell through local independent agencies. Cost effective Dodge Grand Caravan insurance can be found both online and with local Seattle insurance agents, and you should be comparing both to have the best selection.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In too many instances, someone dropped liability coverage limits and found out when filing a claim that it was a big error on their part. The goal is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Drivers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, lack of trust in their agent or even questionable increases in premium. Regardless of your reason for switching companies, finding the right auto insurance provider can be less work than you think.

Additional learning opportunities

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• What Car Insurance is Cheapest for a 20 Year Old Male in Seattle? (FAQ)
• What Car Insurance is Cheapest for Electric Cars in Seattle? (FAQ)
• Who Has the Cheapest Seattle Auto Insurance Quotes for Low Income Drivers? (FAQ)
• Who Has Cheap Car Insurance Rates for Teachers in Seattle? (FAQ)
• Who Has Cheap Seattle Auto Insurance Rates for Teenage Males? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Think You’re a Safe Driver? (State Farm)
• Parking Tips to Reduce Door Dings (State Farm)
• What is a Telematics Device? (Allstate)