Best Ways to Save on Sacramento Dodge Grand Caravan Insurance

The best way to get cheaper car insurance rates is to annually compare prices from different companies who can sell car insurance in Sacramento. Price quotes can be compared by following these steps.

First, spend some time learning about car insurance and the steps you can take to prevent rate increases. Many risk factors that are responsible for high rates such as accidents, careless driving, and a low credit score can be amended by being financially responsible and driving safely.

Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can give you price quotes from many different companies.

Third, compare the price quotes to the price on your current policy and determine if cheaper Grand Caravan coverage is available. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, notify your current company to cancel the current policy and submit a completed policy application and payment for your new policy. Make sure you store the proof of insurance certificate in your vehicle’s glove compartment or console.

A crucial key to this process is to use the same amount of coverage on each quote request and and to get quotes from all possible companies. Doing this enables a level playing field and a complete price analysis.

Insurance quote for Dodge Grand Caravan in SacramentoSad but true, nearly 70% of consumers have purchased from the same company for at least the last four years, and roughly 40% of drivers have never even shopped around for affordable coverage. Most drivers in Sacramento could pocket roughly 35% a year by just shopping around, but they just don’t understand how easy it is to shop their coverage around.

If you currently have insurance, you will be able to reduce the price you pay using this strategy. Locating the best insurance company for you in Sacramento can be made easier if you know where to look. But California car owners need to learn how companies set your policy premium and use it to your advantage.

How much is Dodge Grand Caravan insurance in Sacramento, California?

To get affordable Sacramento auto insurance quotes, there a variety of ways to get quotes from lots of California auto insurance companies. The simplest method to compare rates is to get quotes online.

Doing price comparisons online is so simple that it makes it obsolete to physically go to local Sacramento insurance agencies. The ability to get quotes online eliminates the need for an insurance agent unless you prefer the advice and guidance that only an agent can give. Drivers can price shop online and get advice from an agent in your area.

Just keep in mind that comparing a large number of companies will increase your chances of finding the best price.

The auto insurance companies shown below are our best choices to provide free rate quotes in Sacramento, CA. To buy cheap car insurance in Sacramento, it’s highly recommended you visit as many as you can to get the best price comparison.

Cheaper rates on Dodge Grand Caravan insurance in Sacramento with these auto insurance discounts

Car insurance can cost a lot, but you may be missing some discounts that you may not know about. Some discounts apply automatically when you get a quote, but once in a while a discount must be asked about before being credited.Save money with discounts

Policy discounts save money, but many deductions do not apply to the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

The example below illustrates the difference between Dodge Grand Caravan insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, multi-policy, safe-driver, and multi-car discounts applied.

To find insurance companies with the best Dodge Grand Caravan insurance discounts in Sacramento in California, click this link.

Rates and data analysis

The information shown below covers detailed analysis of insurance coverage prices for Dodge Grand Caravan models. Knowing how insurance prices are figured can assist in making decisions when choosing a new policy provider.

Dodge Grand Caravan Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $334 $544 $534 $32 $160 $1,604 $134
Grand Caravan SE $334 $544 $534 $32 $160 $1,604 $134
Grand Caravan Hero $334 $662 $534 $32 $160 $1,722 $144
Grand Caravan Crew $378 $662 $534 $32 $160 $1,766 $147
Grand Caravan SXT $378 $662 $534 $32 $160 $1,766 $147
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in specific Sacramento garaging location which can impact coverage prices substantially.

The chart below illustrates how your deductible choice and can change Dodge Grand Caravan insurance premiums for each age group. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Insurance cost for men versus women in Sacramento

The diagram below shows the comparison of Dodge Grand Caravan insurance costs for male and female drivers. The price estimates are based on no violations or accidents, comp and collision included, $100 deductibles, single marital status, and no other discounts are factored in.

Full coverage rates vs. liability-only

The chart below visualizes the comparison of Dodge Grand Caravan car insurance rates with full coverage and liability only. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to buy liability coverage only

There is no definitive guideline of when to stop paying for physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Dodge Grand Caravan book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the policy deductible has been paid. If premiums are more than $200 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few cases where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Ratings for California car insurance companies

Buying coverage from the right car insurance company can be a challenge considering how many companies are available to choose from in Sacramento. The company ratings in the lists below can help you choose which car insurance companies you want to consider when comparing rates.

Top 10 Sacramento Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

How Your Grand Caravan Insurance Premiums are Determined

Many factors are considered when you quote your car insurance policy. Some factors are common sense like your driving record, but other factors are more obscure such as your credit history or your vehicle rating.

The itemized list below are some of the items used by your company to calculate prices.

Car insurance liability protection limits – Liability insurance will protect you in the event that you are found liable for personal injury or accident damage. Your liability coverage provides you with a defense in court to defend your case. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.

Stay claim-free and lower prices – If you are a frequent claim filer, you shouldn’t be surprised to get either policy cancellation or increased premiums. Companies in California generally give better rates to people that do not abuse their auto insurance. Your car insurance is meant to be used in the event of claims that pose a financial burden.

Premiums are high for teenagers – More experienced drivers are shown to be more cautious, statistically cause fewer accidents, and usually have better credit. Drivers with little experience are known to be easily distracted when behind the wheel so they pay higher auto insurance rates.

The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

High physical damage deductibles cost less – Comp and collision deductibles are how much the insured will be required to pay if you file a covered claim. Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered would be collision with another vehicle, collision with a deer, and damage caused by road hazards. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.

Higher premiums for auto insurance lapses – Driving your car without having proper coverage can get your license suspended and any future policy may cost more because you let your coverage have a gap. And not only will your rates increase, getting caught without coverage could earn you fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with the California department of motor vehicles.

Dodge Grand Caravan insurance claim data – Insurance companies use historical loss data when they set coverage costs for each model. Models that statistically have higher prevalence or dollar amount of losses will have higher rates for specific coverages. The next table illustrates the historical insurance loss data for Dodge Grand Caravan vehicles.

For each type of coverage, the statistical loss for all vehicles, as an average, is set at 100. Values that are 100 or less indicate a favorable loss history, while percentage values above 100 indicate a higher chance of having a claim or tendency to have higher losses.

Dodge Grand Caravan Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Dodge Grand Caravan 79 104 81 108 108 107

Statistics from for 2013-2015 Model Years