Finding economical insurance for a Dodge Grand Caravan in California is pretty straightforward, but it is dependent upon many rating criteria such as whether you use your Grand Caravan for business use, whether or not you have prior claims, and driving violations. California drivers will pay on average $862 each year to insure their Grand Caravan, but that price is calculated based on a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
The problem with using this number is the good chance you’re not a 50-year-old male, you might be single instead of married, or maybe you just want liability only. Have just a small change in rating variables or coverage information could end up in a significant change in rates.
Auto insurance is unique to each driver, so the best method for finding the cheapest insurance price for your Dodge is to do your own rate comparisons.
Your vehicle’s trim level has an effect on price, so the cost to insure a Grand Caravan CV will be $78 lower than the price to insure the more expensive Grand Caravan SXT version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$164||$252||$424||$26||$126||$992||$83|
|Grand Caravan SE||$164||$252||$424||$26||$126||$992||$83|
|Grand Caravan Hero||$164||$308||$424||$26||$126||$1,048||$87|
|Grand Caravan Crew||$186||$308||$424||$26||$126||$1,070||$89|
|Grand Caravan SXT||$186||$308||$424||$26||$126||$1,070||$89|
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in zip code location which can change coverage prices considerably.
Buying coverage from the highest-rated auto insurance company can be a challenge considering how many different companies there are to choose from in California. The ranking data below could help you choose which auto insurance companies you want to consider to insure your vehicles. These rankings are only made up of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in California are not factored into the list.
Top 10 Major Auto Insurance Companies in Sacramento Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Major Auto Insurance Companies in Sacramento Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
The chart below demonstrates how deductible levels can impact insurance costs when quoting cheap insurance for a Dodge Grand Caravan. The rates are based on a married male driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower rates by $382 a year by switching from a $100 deductible to a $500 deductible, or save $578 by using a $1,000 deductible. Youthful drivers, like the 20-year-old category, could drop their prices $1,266 annually just by using higher deductibles.
When choosing a higher deductible, it will be important to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Why you should be shopping around
California insurance rates are determined by lots of factors that control the price of coverage. Simply turning a year older, buying a different vehicle, or getting a driving violation can cause premium changes resulting in some companies being cheaper than before.
And not only may your rating factors change, but car insurance companies file new rates at least once a year to ensure their profitability. An extended period of higher than normal claims may cause higher prices, while a lower level of claims may cause cheaper Grand Caravan insurance rates.
To illustrate this example, the chart below demonstrates which company has the cheapest car insurance in Sacramento, CA for a 40-year-old male driver with no prior claims, no tickets, and excellent credit. When quoting prices based on his current situation, USAA might offer the best car insurance rates in Sacramento at $1,442 annually. This is $209 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the cheapest Sacramento, CA auto insurance companies.
Now we will give the driver from the first rate comparison a claim or two, a lower credit rating, and a blemish on his driving record. Due to the fact that every auto insurer has their own process to determining premium rates, analyzing rate quotes may now show a different list of the cheapest car insurance companies in Sacramento as shown below.
Grange now has the lowest car insurance rate in Sacramento with Allstate, GEICO, Mercury, and Progressive completing the list. This example demonstrates why it is so important to compare lots of rates to find the lowest car insurance quotes for a Dodge Grand Caravan. Rates can be altered by many risk factors and change frequently, so the cheapest company the last time you shopped your coverage around may now not even be in the top five.