How Much Does 2016 Dodge Grand Caravan Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jan 3, 2020

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Did a good deal turn into overpriced insurance? Don’t feel bad because you are not the only one feeling buyer’s remorse. There are many car insurance companies to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to get the best deal.

How to compare car insurance price quotes

Comparing car insurance rates can take hours if you don’t understand the most efficient way. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use the web to quickly compare rates.

Most of the larger companies belong to a marketplace where insurance shoppers submit their information once, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote requests for every car insurance company.

To submit your quote information now, click here to start a free quote.

The one disadvantage to using this type of form is that consumers can’t choose the providers to get quotes from. If you wish to select specific providers to request quotes from, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure you’re using apples-to-apples coverages and limits with each company. If the quotes have different coverage information then you won’t be able to truly determine the lowest rate.

Which is the best insurance?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I break a side mirror?
  • Can I make deliveries for my home business?
  • How can I find cheaper teen driver insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I rent a car in Mexico?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

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Specific coverage details

Having a good grasp of insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, theft, a tree branch falling on your vehicle and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like nursing services, rehabilitation expenses, hospital visits, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability

Liability insurance provides protection from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, funeral expenses, emergency aid and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM Coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Grand Caravan.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

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