Finding affordable car insurance for a Dodge Grand Caravan in North Carolina is pretty easy to do, but it depends on a whole bunch of rating criteria such as whether the vehicle is new, if you have recent claims, and any prior driving offenses. Drivers pay approximately $543 per year to insure their Grand Caravan, but that figure is an estimate based on a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
Odds are that you’re not a 30-year-old male, maybe you are single instead of married, and you want different coverage limits than the example. Having what appears to be a very minor change in rating factors or requested coverage amount may result in significant differences in the cost of insuring your Grand Caravan.
This illustrates why the best method for finding cheap car insurance rates for your Dodge is to just take the time to compare rates yourself.
Vehicle trim level impacts the insurance rate, so the price you pay to insure a Grand Caravan CV model will be $52 less than the cost to insure the fancier Grand Caravan SXT trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$118||$168||$250||$14||$74||$624||$52|
|Grand Caravan SE||$118||$168||$250||$14||$74||$624||$52|
|Grand Caravan Hero||$118||$204||$250||$14||$74||$660||$55|
|Grand Caravan Crew||$134||$204||$250||$14||$74||$676||$56|
|Grand Caravan SXT||$134||$204||$250||$14||$74||$676||$56|
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in vehicle garaging location which can affect price quotes noticeably.
Trying to buy cost effective auto insurance is hard enough, and figuring out which company quotes the lowest-priced auto insurance rates for a Dodge Grand Caravan takes a little more work. Each company uses a slightly different approach for establishing rates, so we’ll go over the lowest cost auto insurance companies in North Carolina.
It’s important to know that Charlotte, NC auto insurance rates are based on many factors that may substantially change the price you pay. Simply having a birthday, buying a newer car, or having a fender bender can produce rate changes that can cause some rates to be more expensive than competitors.
Cheap Insurance Rates for Your Dodge
|Rank||Company||Cost Per Year|
|4||NC Farm Bureau||$709|
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Progressive has some of the lowest car insurance rates in Charlotte at around $632 each year. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National would also be considered some of the most economical Charlotte, NC insurance companies.
In the above example, if you currently buy coverage from Penn National and switched to Utica National, you might achieve a yearly price reduction of roughly $89. Drivers with State Farm might save as much as $113 a year, and GEICO insureds might lower prices by $114 a year.
If you would like to find cheaper car insurance rates, click here to start your free quote or click several companies below for low rates.
Be aware that those policy rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific location for a Dodge Grand Caravan. So the auto insurance company that has the lowest price for you may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.
The example below demonstrates how choosing different deductibles can raise or lower insurance premiums when searching for cheap insurance for a Dodge Grand Caravan. The price estimates are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could cut expenses by $208 a year by changing from a $100 deductible to a $500 deductible, or save $314 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, could save as much as $692 each year just by choosing higher deductibles.
When choosing a higher deductible, it will be required to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
Your low-price policy may be costing you money
Charlotte, NC auto insurance rates are impacted by many things that can increase the cost of having a policy. Turning one year older, adding a teenager to your policy, or getting a DUI may prompt premium changes that can cause some rates to be affordable when they were higher priced.
Not only that, but car insurance companies file new North Carolina car insurance rates at least once a year as an adjustment for underwriting gains or losses. Larger than normal claims can cause more expensive prices, while a better loss history can result in cheaper Grand Caravan insurance rates.
As an example, the data below shows which companies have the cheapest car insurance in Charlotte, NC for a 35-year-old female driver with no prior claims, no tickets, and a high credit rating. When comparing rates based on her current rating profile, Utica National may have the lowest car insurance rates in Charlotte at $793 per year. This is $79 less than the average price paid by North Carolina drivers of $872. Progressive, Liberty Mutual, GEICO, and NC Farm Bureau round out the rest of the top five cheapest Charlotte, NC auto insurance companies.
Now we will pretend the driver from the first set of rates a claim or two, a lower credit rating, and a speeding citation. Since each company has a unique formula to set policy rates, comparing rates may now result in a completely different list of companies as shown below.
State Farm now has the cheapest rate in Charlotte with Titan, Auto-Owners, National General, and Allied also being competitive. This shows why it is important to compare lots of rates to find the best auto insurance quotes for a Dodge Grand Caravan.
Rates are made up of many things and change frequently, so the cheapest option when you last compared rates may now cost much more than other companies.
The professional agents shown below can probably provide answers to your questions and help you determine which auto insurance policy would work best for you, since some people prefer to have a consultation when trying to find the best insurance rates for a Grand Caravan. It’s not always simple to find the cheapest car insurance policy, so a licensed agent can give you satisfaction knowing your policy gives you sufficient coverage at claim time. To locate a Charlotte insurance agent closest to you, click the button after the list or click here to compare rates now.
Honeycutt Insurance Agency
3121 Springbank Ln F – Charlotte, NC 28226 – (704) 752-8233
5113 Piper Station Dr #207 – Charlotte, NC 28277 – (704) 536-0995
All Points Insurance Agencies
5618 Albemarle Rd # 200 – Charlotte, NC 28212 – (980) 221-9468
Michael A Goodman Insurance Agency Inc
6401 Carmel Rd Ste 208 – Charlotte, NC 28226 – (704) 541-8660