Find Affordable Dodge Grand Caravan Insurance in Miami

Insurance for Dodge Grand CaravanSurprisingly, a recent survey revealed that most car insurance customers have bought car insurance from the same company for well over three years, and nearly 40% of drivers have never compared quotes from other companies. Florida drivers can save approximately $1,130 each year just by shopping around, but most just don’t grasp the large savings they would see if they switched.

If you want to save money, the best way to find better pricing on Dodge Grand Caravan insurance is to compare prices at least once a year from companies who can sell car insurance in Miami.

Step 1: Take a little time to learn about coverages and the modifications you can make to drop your rates. Many things that cause high rates such as speeding tickets, accidents and a bad credit rating can be rectified by paying attention to minor details.

Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you can save money and make a switch, verify that coverage does not lapse between policies.

Step 4: Notify your agent or company to cancel the current policy. Submit the application along with any required down payment for your new policy. As soon as coverage is bound, store the certificate of insurance in your vehicle.

The most important part of this process is to use similar limits and deductibles on every quote request and and to look at as many car insurance companies as possible. This helps ensure a fair rate comparison and a complete rate analysis.

Finding the best-priced car insurance policy in Miami is not as hard as you think. If you have a policy now or just want to reduce your rates, you can use these tips to reduce premiums and still have adequate protection. Smart buyers just need to use the most efficient way to compare prices from multiple carriers.

Getting a cheaper price on insurance isn’t really that difficult. The only thing you need to do is invest a little time comparing free Miami car insurance quotes online from several insurance companies.

Doing online rate quotes comparisons is so easy that it takes the place of having to drive around to insurance agents’ offices. The ability to get quotes online has reduced the need for local agents unless you require the trained advice of a local agency. It is possible to compare online quotes but buy the policy through an agent.

The companies shown below are ready to provide price quotes in Miami, FL. To buy cheap car insurance in Florida, we suggest you compare several of them to get a more complete price comparison.

Dodge Grand Caravan insurance rates and statistics

The premium information below covers detailed analysis of coverage prices for Dodge Grand Caravan models. Learning how car insurance prices are calculated can be useful when making smart choices when buying a car insurance policy.

Dodge Grand Caravan Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $310 $504 $542 $32 $162 $1,550 $129
Grand Caravan SE $310 $504 $542 $32 $162 $1,550 $129
Grand Caravan Hero $310 $614 $542 $32 $162 $1,660 $138
Grand Caravan Crew $350 $614 $542 $32 $162 $1,700 $142
Grand Caravan SXT $350 $614 $542 $32 $162 $1,700 $142
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in your specific Miami location which can decrease or increase auto insurance rates significantly.

Policy deductibles

One frequently asked question is which deductible level should you buy. The comparison tables below can help illustrate how much more rates are when you choose different coverage deductibles. The first rate quote example uses a $250 deductible and the second set of rates uses a $500 deductible.

Dodge Grand Caravan insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $322 $446 $418 $24 $124 $1,359 $113
Grand Caravan SE $322 $446 $418 $24 $124 $1,359 $113
Grand Caravan Hero $322 $544 $418 $24 $124 $1,457 $121
Grand Caravan Crew $364 $544 $418 $24 $124 $1,499 $125
Grand Caravan SXT $364 $544 $418 $24 $124 $1,499 $125
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Dodge Grand Caravan insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $262 $360 $418 $24 $124 $1,188 $99
Grand Caravan SE $262 $360 $418 $24 $124 $1,188 $99
Grand Caravan Hero $262 $438 $418 $24 $124 $1,266 $106
Grand Caravan Crew $296 $438 $418 $24 $124 $1,300 $108
Grand Caravan SXT $296 $438 $418 $24 $124 $1,300 $108
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific location which can modify prices considerably.

Based on these figures, using a $250 deductible will cost you roughly $15 more each month or $180 each year than selecting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 17 months between claims, you would come out ahead going with the higher deductible.

The illustration below highlights how deductible choice and can change Dodge Grand Caravan insurance costs for each different age category. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Protect more than your vehicle

Despite the high cost of buying insurance for a Dodge Grand Caravan in Miami, insurance is not optional due to several reasons.

The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. But the average American driver overpays as much as $800 each year so compare quotes from several companies at least once a year to ensure rates are competitive.

Get Dodge Grand Caravan Insurance at a Discount

Smart consumers have a good feel for a few of the rating criteria that come into play when calculating the price you pay for car insurance. If you understand what controls the rates you pay, this helps enable you to make changes that could result in cheaper rates.

Save money with higher coverage deductibles – Insurance for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Dodge. Some examples of claims that would be covered would be a broken side mirror, vandalism, and burglary. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if the claim is covered. The more of the claim the insured is willing to pay, the lower your rates will be.

Long commutes cost more – The more you drive your Dodge in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. Having the wrong rating on your Grand Caravan can result in significantly higher rates. Verify your vehicle rating is showing the right rating data.

Don’t skimp on liability insurance – Liability coverage will afford coverage when a jury decides you are liable for damages from an accident. Your liability coverage provides legal defense coverage starting from day one. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.

Deter vehicle theft – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your vehicle from being stolen.

City dwellers may pay more – Having an address in areas with lower population has definite advantages when buying car insurance. People who live in big cities have traffic congestion and longer commute times. Fewer drivers means reduced accidents and lower theft and vandalism rates.

Claims statistics for a Dodge Grand Caravan – Companies include the past claim trends for vehicles to help set a rate to offset losses. Models that the data shows to have higher claim frequency or loss amount will have a higher cost to insure.

The information below illustrates the loss history for Dodge Grand Caravan vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of make or model, is set at 100. Percentage numbers below 100 indicate a favorable loss history, while numbers above 100 indicate a higher chance of having a claim or tendency to have larger claims.

Insurance Loss Ratings for Dodge Grand Caravan Vehicles
Vehicle 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

Check for these discounts on Dodge Grand Caravan insurance in Miami

Auto insurance is not cheap nor is it fun to buy but you may find discounts that can drop the cost substantially. Certain credits will be shown at the time you complete a quote, but less common discounts must be asked for before you will receive the discount.Cheaper auto insurance with discounts

Just know that most credits do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

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

To choose insurers that offer many of these discounts in Florida, click this link.

Special considerations

Always remember that when buying a policy for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your insurance should unique, too.Drive safe and save
These are some specific questions can help discover whether or not you may require specific advice.

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

When should I talk to a local insurance agent?

Many people just prefer to sit down with an agent and there is nothing wrong with that. Agents are trained risk managers and help file insurance claims. One of the best bonuses of comparing car insurance online is the fact that drivers can get cheap rate quotes but still work with a licensed agent. Putting coverage with neighborhood insurance agencies is important especially in Miami.

Find insurance agent in MiamiBy using this short form, your information is emailed to agents in your area who want to provide quotes for your business. You don’t have to leave your computer because quoted prices will be sent immediately to your email address. If for some reason you want to get a rate quote from a specific car insurance provider, feel free to jump over to their website and fill out the quote form the provide.

If you are wanting to find a reputable insurance agent or broker, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Car insurance policy providers can either be exclusive or independent. Both properly insure your vehicles, but it’s good to learn how they differ since it could factor into the kind of agent you use.

Independent Car Insurance Agencies or Brokers

Independent insurance agents do not sell for just one brand and that allows them to write policies through many different car insurance companies and find you the best rates. If they quote lower rates, the agent simply finds a different carrier and you don’t have to find a new agent.

If you are comparing car insurance prices, you will want to get quotes from multiple independent agents so that you have a good selection of quotes to compare.

The following are independent insurance agencies in Miami who may provide pricing information.

2550 NW 72nd Ave #318Miami, FL 33122(305) 477-1442View Map

1880 NE 163rd StNorth Miami Beach, FL 33162(305) 956-7818View Map

1733 SW 22nd StMiami, FL 33145(305) 857-0075View Map

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Exclusive Insurance Agents

Agents that elect to be exclusive work for only one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are trained well on the products they sell which helps them sell insurance even at higher premiums.

Shown below is a list of exclusive agencies in Miami who can help you get comparison quotes.

5209 NW 36th StMiami Springs, FL 33166(305) 887-9543View Map

6701 Sunset Dr #115South Miami, FL 33143(305) 661-7667View Map

6001 Bird RdMiami, FL 33155(305) 663-2300View Map

More insurance agents

Finding the right auto insurance agent requires you to look at more than just a low price. Any agent in Miami should be willing to answer these questions.

Cheaper auto insurance is a realistic goal

Affordable Dodge Grand Caravan insurance in Miami is definitely available online as well as from independent agents in Miami, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not have rates over the internet and many times these smaller companies prefer to sell through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. Too many times, someone sacrificed physical damage coverage only to discover later that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

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