Affordable Dodge Grand Caravan Insurance in Toledo

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It's a known fact that auto insurance companies don't want you to look for a cheaper policy. People who perform rate comparisons are likely to move their business because there is a great chance of finding a cheaper policy. Remarkably, a study showed that people who compared rates regularly saved as much as $3,400 over four years compared to those who don't regularly compare prices.

If finding the lowest price for car insurance is the reason for your visit, then understanding the best ways to shop for insurance can make it easier to find better rates.

Insurance quote for Dodge Grand Caravan in ToledoThe recommended way to get the cheapest car insurance rates is to regularly compare price quotes from different companies in Toledo. Rates can be compared by following these guidelines.

Step 1: Gain an understanding of what is in your policy and the things you can control to prevent expensive coverage. Many factors that result in higher prices such as inattentive driving and a bad credit rating can be amended by making minor changes in your lifestyle.

Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while independent agents can quote prices for a wide range of companies.

Step 3: Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you can save money and decide to switch, ensure there is no coverage lapse between policies.

The most important part of shopping around is to use identical coverages on every price quote and and to get rate quotes from as many companies as you can. This provides a level playing field and a complete price analysis.

Cheap companies for Dodge Grand Caravan insurance

The auto insurance companies shown below offer quotes in Toledo, OH. If multiple companies are listed, it's a good idea that you click on several of them to get a more complete price comparison.

Statistics and details

The information shown next covers different insurance premium costs for Dodge Grand Caravan models. Learning as much as possible about how rates are determined can be valuable when making smart choices when comparing insurance quotes.

Dodge Grand Caravan Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $84 $126 $214 $12 $64 $500 $42
Grand Caravan SE $84 $126 $214 $12 $64 $500 $42
Grand Caravan Hero $84 $154 $214 $12 $64 $528 $44
Grand Caravan Crew $94 $154 $214 $12 $64 $538 $45
Grand Caravan SXT $94 $154 $214 $12 $64 $538 $45
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in garaging location in Toledo which can raise or lower premiums considerably.

Physical damage deductibles

The hardest decision when buying coverage is which deductibles should you choose. The comparison tables below summarize how much more you'll pay when you buy lower versus higher physical damage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Dodge Grand Caravan insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $176 $242 $226 $14 $68 $751 $63
Grand Caravan SE $176 $242 $226 $14 $68 $751 $63
Grand Caravan Hero $176 $296 $226 $14 $68 $805 $67
Grand Caravan Crew $198 $296 $226 $14 $68 $827 $69
Grand Caravan SXT $198 $296 $226 $14 $68 $827 $69
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Dodge Grand Caravan insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $108 $152 $226 $14 $68 $568 $47
Grand Caravan SE $108 $152 $226 $14 $68 $568 $47
Grand Caravan Hero $108 $186 $226 $14 $68 $602 $50
Grand Caravan Crew $122 $186 $226 $14 $68 $616 $51
Grand Caravan SXT $122 $186 $226 $14 $68 $616 $51
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in zip code location which can lower or raise premium rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $17 more each month or $204 every year averaged for all Grand Caravan models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 44 months between claims, you would come out ahead by selecting a higher deductible.

Illustration showing the impact of accidents and violations

The information below demonstrates how speeding tickets and accident claims raise Dodge Grand Caravan insurance costs for different age groups. The premiums are based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Full coverage rates compared to liability-only

The information below shows the difference between Dodge Grand Caravan yearly insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no accidents, no driving violations, $100 deductibles, single status, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive guideline of when to stop paying for full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's assume your Dodge Grand Caravan replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying your deductible. If you are paying more than $400 a year to have full coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.

These discounts can lower Dodge Grand Caravan insurance rates

Companies don't always publicize every possible discount in a way that's easy to find, so the following is a list of both the well known in addition to some of the lesser obvious ways to save on car insurance.Cheaper car insurance with discounts

  • Low Miles Discount - Driving less could be rewarded with lower rates on the low mileage vehicles.
  • Good Student - A discount for being a good student may save as much as 25% on a Toledo auto insurance quote. The discount lasts until age 25.
  • Bundle and Save - If you insure your home and vehicles with one insurance company you may save over 10 percent off each policy depending on the company.
  • Air Bag Discount - Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
  • No Claims - Insureds who avoid accidents and claims pay much less in comparison with accident-prone drivers.
  • Membership in Organizations - Being in qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
  • Drive Safe and Save - Safe drivers can get discounts for up to 45% lower rates than drivers with accident claims.
  • Save with a New Car - Insuring a new Grand Caravan can save up to 30% because newer models have to meet stringent safety requirements.
  • Military Rewards - Being deployed with a military unit could trigger a small discount.
  • Sign Online - Certain car insurance companies will give a small break for completing your application on their website.

You can save money using discounts, but most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think it's possible to get free car insurance, it doesn't quite work that way. But any discount should help reduce the premium cost.

The illustration below shows the difference between Dodge Grand Caravan insurance premiums with and without discounts applied to the policy premium. The prices are based on a female driver, no accidents or driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, homeowner, and claim-free discounts applied.

For a list of insurance companies who offer discounts in Ohio, click here.

Eight Things That Impact Your Insurance Prices

The best way to find cheaper car insurance is to take a look at some of the factors that help calculate your car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can earn you cheaper rates. Lots of factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but others are more obscure such as whether you are married or how financially stable you are.

Commute or pleasure use - The higher the mileage driven every year the more you will pay for car insurance. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos that sit idle most of the time cost less to insure compared to those used for work or business. Double check that your policy is showing the correct driver usage. Having the wrong rating on your Grand Caravan can cost quite a bit.

Rates can drop if you have more than one policy - The majority of car insurance companies will award a discount to insureds that purchase more than one policy. It's known as a multi-policy discount. If you currently are using one company, you still need to check prices from other companies to confirm you are receiving the best rates possible. Consumers may find lower rates by splitting coverages up.

Gender and car insurance costs - The statistics show that females take fewer risks when driving. However, this does not mean females are better drivers. Men and women tend to get into fender benders in similar numbers, but the males tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI.

The illustration below shows the difference between Dodge Grand Caravan insurance rates for male and female drivers. The prices are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Your address can influence price - Being located in areas with lower population can be a good thing when trying to find low car insurance rates. People who live in big cities regularly have congested traffic and higher rates of accident claims. Fewer people corresponds to lower accident rates and a lower car theft rate.

Five star safety rating saves money - Safe vehicles tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and fewer injuries translates directly to fewer claims and cheaper rates on your policy. If your Dodge Grand Caravan scored at minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it may be receiving lower rates.

High comp and collision deductibles cost less - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. Physical damage deductibles are the amount of money you are required to pay before a claim is paid by your company. The more damage repair cost the insured has to pay upfront, the lower your rates will be.

Continuous coverage lowers rates - Not having insurance is against the law and any future policy may cost more because you let your coverage have a gap. In addition to paying higher premiums, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with the Ohio department of motor vehicles.

You might have higher rates if you are single - Walking down the aisle may earn you lower rates on your policy. Having a significant other usually means you are more responsible and it's statistically proven that being married results in fewer claims.

Loss probability for a Dodge Grand Caravan - Insurance companies use past loss statistics for each vehicle to determine a price that will be profitable for them. Vehicles that the statistics show to have higher claim frequency or loss amount will have higher premium rates. The table below outlines the collected loss data for Dodge Grand Caravan vehicles.

For each insurance policy coverage type, the statistical loss for all vehicles as a whole is considered to be 100. Values that are under 100 suggest a positive loss record, while values over 100 indicate more frequent losses or statistically larger losses.

Auto Insurance Loss Data for Dodge Grand Caravan Models
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

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

It's not one size fits all

Always keep in mind that when comparing a policy, there isn't really a single plan that fits everyone. Every insured's situation is different.Higher deductibles save money

These are some specific questions could help you determine whether or not you may require specific advice.

  • Is upholstery damage covered by car insurance?
  • What are good deductibles for a Dodge Grand Caravan?
  • What should my uninsured motorist coverage limits be in Ohio?
  • Is a driver training discount available?
  • Will my Dodge Grand Caravan be repaired with OEM or aftermarket parts?
  • Do I have coverage if I rent a car in Mexico?
  • Do all my vehicles need collision coverage?
  • Does insurance cover tools stolen from my truck?
  • How can I get my company to pay me more for my totaled car?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Comparing quotes from local Toledo insurance agencies

Many people still prefer to visit with an insurance agent and that can be a great decision Licensed agents can point out coverage gaps and will help you if you have claims. A nice benefit of comparing rate quotes online is you may find lower rates but also keep your business local.

Insurance agents in ToledoTo help locate an agent, after submitting this quick form, your insurance data is immediately sent to companies in Toledo that can give you free Toledo auto insurance quotes for your business. You won't need to contact any agents because prices are sent to your email. If for some reason you want to get a comparison quote from one company in particular, you can always navigate to their website and fill out their quote form.

Choosing the best insurance company requires more thought than just a cheap price. Ask your prospective agent these questions:

  • Is insurance their full-time profession?
  • Where are claims handled?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are they paid to recommend certain coverages?
  • How long have they been in business?
  • Are they primarily personal or commercial lines agents in Toledo?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • How would your car be valued if totaled?

Shown below are Toledo car insurance companies that are able to give price quote information for Dodge Grand Caravan insurance in Toledo.


2330 Airport Hwy - Toledo, OH 43609 - (419) 385-3101 - View Map


2119 W Sylvania Ave - Toledo, OH 43613 - (419) 472-5154 - View Map


4149 N Holland Sylvania Rd #3 - Toledo, OH 43623 - (419) 882-1770 - View Map


3421 N Holland Sylvania Rd - Toledo, OH 43615 - (419) 841-4446 - View Map

More insurance agents

After getting reasonable responses to any questions you may have and an affordable coverage quote, you've probably found an provider that meets the criteria to insure your vehicles. It's important to know that you are entitled to cancel a policy at any point so never feel that you are obligated to any specific agency for any length of time.

Which auto insurance company is best in Ohio?

Selecting a high-quality company can be difficult considering how many companies there are to choose from in Ohio. The ranking information below may help you choose which companies to look at when shopping your coverage around.

Top Auto Insurance Companies in Toledo
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Keep this in mind when shopping around

We covered a lot of techniques to find lower-cost Dodge Grand Caravan insurance in Toledo. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the biggest savings come from a small local company.

Cheaper car insurance in Toledo can be bought on the web and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide internet price quotes and many times these small, regional companies provide coverage only through independent agencies.

When searching for affordable Dodge Grand Caravan insurance quotes, do not skimp on coverage in order to save money. In too many instances, drivers have reduced full coverage and discovered at claim time they didn't have enough coverage. The goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

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