Cheap Quotes for Dodge Grand Caravan Insurance in Pittsburgh

We don’t have to tell you that auto insurance companies don’t want you to compare rates. Insureds who shop for lower prices are inclined to switch companies because there is a high probability of finding a lower rate. A study discovered that drivers who routinely shopped around saved $865 a year compared to other drivers who don’t regularly compare prices.

If finding the cheapest rates on Dodge Grand Caravan insurance is the reason you’re reading this, then having an understanding of how to compare car insurance can help you be more efficient.

Insurance for Dodge Grand CaravanThe best way we recommend to find low-cost Dodge Grand Caravan insurance in Pittsburgh is to start doing an annual price comparison from insurers who sell insurance in Pennsylvania. Drivers can shop around by following these guidelines.

Step 1: Try to comprehend what coverages are included in your policy and the factors you can control to prevent expensive coverage. Many things that result in higher rates such as getting speeding tickets and a negative credit rating can be amended by making lifestyle changes or driving safer. This article provides information to find cheap prices and get additional discounts that may be available.

Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can quote prices from many different companies. Select a company

Step 3: Compare the price quotes to your existing policy to see if a cheaper rate is available. If you find a lower rate quote and change companies, ensure there is no coverage lapse between policies.

Step 4: Give proper notification to your current agent or company of your decision to cancel your current car insurance policy. Submit payment and a signed application to the new company. Immediately place the new certificate verifying coverage in a readily accessible location in your vehicle.

A good piece of advice is to make sure you’re comparing the same amount of coverage on every quote request and and to look at as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and the best rate selection.

Finding more affordable insurance in Pittsburgh is easy if you know what you’re doing. If you have a policy now or just want a better rate, use these cost-cutting techniques to buy cheaper insurance without sacrificing coverage. Drivers only need an understanding of the best way to compare rates using one simple form.

Dodge Grand Caravan detailed coverage information

The coverage table displayed below covers different insurance premium costs for Dodge Grand Caravan models. Having knowledge of how insurance policy rates are figured can benefit drivers when making informed coverage decisions.

Dodge Grand Caravan Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $230 $350 $444 $26 $134 $1,184 $99
Grand Caravan SE $230 $350 $444 $26 $134 $1,184 $99
Grand Caravan Hero $230 $426 $444 $26 $134 $1,260 $105
Grand Caravan Crew $260 $426 $444 $26 $134 $1,290 $108
Grand Caravan SXT $260 $426 $444 $26 $134 $1,290 $108
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in your specific Pittsburgh location which can modify premiums greatly.

Higher deductibles save money

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The data tables below may aid in understanding the rate differences when you choose different comp and collision deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Dodge Grand Caravan insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $254 $352 $330 $20 $98 $1,079 $90
Grand Caravan SE $254 $352 $330 $20 $98 $1,079 $90
Grand Caravan Hero $254 $428 $330 $20 $98 $1,155 $96
Grand Caravan Crew $288 $428 $330 $20 $98 $1,189 $99
Grand Caravan SXT $288 $428 $330 $20 $98 $1,189 $99
Get Your Own Custom Quote Go

Dodge Grand Caravan insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $158 $222 $330 $20 $98 $828 $69
Grand Caravan SE $158 $222 $330 $20 $98 $828 $69
Grand Caravan Hero $158 $270 $330 $20 $98 $876 $73
Grand Caravan Crew $178 $270 $330 $20 $98 $896 $75
Grand Caravan SXT $178 $270 $330 $20 $98 $896 $75
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise premium rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $23 more each month or $276 a year than selecting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 33 months between claims, you would probably come out ahead by going with a higher deductible. Here’s an example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): – $72
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

An important thing to remember is that raising deductibles to save money means you will have to pay more of your own money when you have a claim. You need to make sure you have enough money put aside in the event you have to pay the higher deductible.

The information below shows how choosing a deductible and can change Dodge Grand Caravan premium costs for different age groups of insureds. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Violations and accidents raise rates

The information below shows how violations and at-fault fender-benders can influence Dodge Grand Caravan annual premium costs for different age groups of insureds. The price estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

The Dodge Grand Caravan Insurance Premium Equation

It’s important that you understand a few of the rating criteria that aid in calculating car insurance rates. When you understand what determines base rates, this enables informed choices that could help you find cheaper rates. Many factors are used when premium rates are determined. Most are fairly basic like an MVR report, but other factors are less obvious such as whether you are married or your financial responsibility.

Marriage is a bonus – Walking down the aisle may earn you lower rates on car insurance. It generally demonstrates drivers are less irresponsible and statistics show married couples file fewer claims.

More performance means more cost – The performance level of the car you are buying insurance for makes a substantial difference in the rate you pay. The lowest premiums are for the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.

The data below uses these assumptions: single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Dodge Grand Caravan insurance rates compared to other makes and models that have different performance risks.

High physical damage deductibles lower premiums – Comp and collision deductibles tell how much you are required to spend if a covered claim is submitted. Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply would be colliding with a stationary object, damage from fire, and having a roll-over accident. The more money you pay before a claim is paid (deductible), the bigger discount you will receive.

Use credit responsibly and save – Your credit score can be an important factor in your rate calculation. If your credit score can be improved, you could pay less to insure your Dodge Grand Caravan if you clean up your credit. People that have excellent credit scores tend to be more responsible than those with bad credit.

Eliminate extra coverages – There are quite a few extra add-on coverages you can purchase if you don’t pay attention. Things like replacement cost coverage, high-cost glass coverage, and extra equipment coverage may not be needed and are just wasting money. They may sound like good ideas when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.

Don’t skimp on liability insurance – Your policy’s liability coverage kicks in when you are found to be at fault for causing personal injury or damage in an accident. This coverage provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Dodge Grand Caravan insurance claim data – Insurance companies use statistical claims data to determine a price that will be profitable for them. Vehicles that tend to have higher number or severity of losses will have increased rates. The next table illustrates the insurance loss data for Dodge Grand Caravan vehicles.

For each coverage category, the claim amount for all vehicles, as an average, is represented as 100. Values that are under 100 imply a favorable loss record, while numbers shown that are more than 100 indicate more frequent claims or statistically larger losses.

Insurance Loss Ratings for Dodge Grand Caravan Vehicles
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

Which car insurance company is best in Pennsylvania?

Finding a good quality insurer can be difficult considering how many different companies insure vehicles in Pennsylvania. The information in the next section could help you choose which auto insurers you want to consider buying from.

Top 10 Pittsburgh Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Allstate – A+
  6. Nationwide – A+
  7. Esurance – A+
  8. Erie Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service

  1. Titan Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Erie Insurance
  10. Allstate

Shop around and save

You just read many ways to compare Dodge Grand Caravan insurance premium rates in Pittsburgh. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may even discover the most savings is with a lesser-known regional company.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits and discovered at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

A few companies may not provide online price quotes and these regional insurance providers only sell through local independent agents. Lower-priced car insurance in Pittsburgh is available both online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection.

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