Cheap Insurance for a Dodge Grand Caravan in Kansas City

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Discount Dodge Grand Caravan insuranceTruthfully, the best way to find better pricing on auto insurance rates in Kansas City is to compare prices regularly from insurance carriers that insure vehicles in Missouri.

First, try to learn a little about car insurance and the measures you can control to keep rates low. Many policy risk factors that drive up the price such as accidents, careless driving, and poor credit history can be amended by being financially responsible and driving safely. Continue reading for ideas to help keep prices low and find more discounts that you may not know about.

Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of companies. View prices

Third, compare the new rate quotes to your current policy to see if a cheaper rate is available in Kansas City. If you find a lower rate quote, make sure coverage does not lapse between policies.

Fourth, notify your company or agent of your intent to cancel your current coverage and submit payment and a signed application to your new company or agent. Don't forget to place the new proof of insurance certificate in your glove compartment.

A tip to remember is to use the same physical damage deductibles and liability limits on each price quote and and to compare as many companies as feasibly possible. This ensures an apples-to-apples comparison and and a good selection of different prices.

Shockingly, nearly 70% of consumers kept buying from the same company for a minimum of four years, and just short of a majority have never compared quotes from other companies. Many consumers in America can save approximately 46.5% each year just by getting comparison quotes, but they just don't understand the rate savings if they changed companies.

The best way to compare rates for Dodge Grand Caravan insurance in Kansas City is to know the trick most of the bigger providers have advanced systems to quote your coverage. The one thing you need to do is provide the companies a bit of rating information including whether the vehicles are used for commuting, the ages of drivers, if it has an alarm system, and whether you are married. Your details gets sent immediately to many different companies and you receive quotes almost instantly.

If you would like to start a quote now, click here and enter the information requested.

The companies shown below are our best choices to provide price quotes in Kansas City, MO. To find cheaper auto insurance in Kansas City, we recommend you compare several of them to get the most affordable price.

Verify you're getting every discount

Car insurance companies do not advertise the complete list of policy discounts in a way that's easy to find, so the list below gives a summary of both the well known in addition to some of the lesser obvious discounts that may be available. If they aren't giving you every credit you deserve, you could be paying more than you need to.Save money with discounts

  • Student in College - College-age children who are enrolled in higher education away from home and won't have access to an insured vehicle could get you a discount.
  • Club Memberships - Affiliation with a qualifying organization can get you a small discount when getting a Kansas City car insurance quote.
  • Savings for New Vehicles - Putting insurance coverage on a new Grand Caravan can be considerably cheaper because newer models are generally safer.
  • Driver Education Discount - Cut your cost by having your teen driver successfully complete driver's ed class as it can save substantially.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Braking Control Discount - Vehicles with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
  • Discounts for Seat Belt Usage - Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Theft Prevention System - Cars equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more on Grand Caravan insurance in Kansas City.
  • Multi-line Discount - Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.

One thing to note about discounts is that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like all those discounts means the company will pay you, it's just not the way it works.

The example below visualizes the comparison of Dodge Grand Caravan premium costs with and without discounts applied to the rates. The data is based on a male driver, a clean driving record, no claims, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, claim-free, and safe-driver discounts applied.

A partial list of companies that may offer policyholders these money-saving discounts include:

When getting a coverage quote, ask every company which discounts you qualify for. Discounts might not be available to policyholders in every state. To choose insurance companies with significant discounts in Kansas City, follow this link.

Insurance rate breakdown

The premium table shown next showcases a range of insurance rates for Dodge Grand Caravan models. Having a better idea how rate quotes are formulated is important for drivers to make smart choices when comparing insurance quotes.

Dodge Grand Caravan Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $222 $334 $272 $16 $82 $926 $77
Grand Caravan SE $222 $334 $272 $16 $82 $926 $77
Grand Caravan Hero $222 $406 $272 $16 $82 $998 $83
Grand Caravan Crew $250 $406 $272 $16 $82 $1,026 $86
Grand Caravan SXT $250 $406 $272 $16 $82 $1,026 $86
Get Your Own Custom Quote Go

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in specific garaging location which can increase or decrease premiums significantly.

Physical damage deductibles: Should you raise them?

When shopping for insurance, a common question is which deductible level should you buy. The premium rates below illustrate the rate differences when you buy lower versus higher insurance deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Dodge Grand Caravan insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $206 $286 $266 $16 $80 $879 $73
Grand Caravan SE $206 $286 $266 $16 $80 $879 $73
Grand Caravan Hero $206 $346 $266 $16 $80 $939 $78
Grand Caravan Crew $232 $346 $266 $16 $80 $965 $80
Grand Caravan SXT $232 $346 $266 $16 $80 $965 $80
Get Your Own Custom Quote Go
Dodge Grand Caravan insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $128 $180 $266 $16 $80 $670 $56
Grand Caravan SE $128 $180 $266 $16 $80 $670 $56
Grand Caravan Hero $128 $218 $266 $16 $80 $708 $59
Grand Caravan Crew $144 $218 $266 $16 $80 $724 $60
Grand Caravan SXT $144 $218 $266 $16 $80 $724 $60
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can alter prices substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $19 more each month or $228 for a full year averaged for all Grand Caravan models than opting for the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 39 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Male drivers versus female drivers

The chart below illustrates the comparison of Dodge Grand Caravan auto insurance rates for male and female drivers. The premium estimates are based on no claims or driving violations, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The example below compares Dodge Grand Caravan auto insurance rates with and without physical damage coverage. The costs are based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are applied.

When to switch to liability coverage only

There is no exact rule of when to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's say your Dodge Grand Caravan replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying your deductible. If premiums are more than $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some circumstances where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Learn How to Lower Your Insurance Premiums

Part of the insurance buying process is learning some of the elements that aid in calculating your policy premiums. When consumers understand what influences your rates, this enables you to make decisions that can help you get better insurance rates.

Shown below are some of the things used by insurance companies to determine prices.

More policies can equal more savings - The majority of insurance companies will give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount drivers will still want to get quotes from other companies to ensure the best deal.

Pleasure use or commuting - The more miles you rack up on your Dodge each year the higher your rate. The majority of insurers price each vehicle's coverage based upon how much you drive. Cars that sit idle most of the time qualify for better rates than vehicles that have high annual mileage. Having the wrong rating on your Grand Caravan is just wasting money. Ask your agent if your insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.

Pay less with a high crash test rating - Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and fewer serious injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Dodge has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.

How much liability coverage - A critical coverage on your policy, liability insurance will provide protection if you are ruled to be at fault for causing personal injury or damage in an accident. It provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Marriage is a bonus - Having a spouse may cut your premiums on your policy. It may mean you are more financially stable and statistics prove drivers who are married are more cautious.

Insurance rates and age - Mature drivers tend to be more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets. Teenage drivers are proven to be more careless with other occupants in the car and because of this, their insurance rates are much higher.

The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

Better credit means lower prices - Credit history can be a huge factor in determining premium rates. If your credit history could use some work, you could be paying less to insure your Dodge Grand Caravan if you improve your credit rating. Drivers who have good credit tend to be more responsible than drivers with worse credit.

Alarms and GPS tracking lower premiums - Owning a car with an alarm system can get you a discount on your insurance. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.

Dodge Grand Caravan historical loss data - Insurance companies take into consideration insurance loss statistics for every vehicle to help determine rates. Vehicles that the data determines to have increased losses will have higher rates. The next table illustrates the historical loss data for Dodge Grand Caravan vehicles.

For each policy coverage type, the claim probability for all vehicles, regardless of make or model, is represented as 100. Percentage values below 100 mean the vehicle has better than average losses, while percentage values above 100 show a trend for more claims or an increased likelihood of larger losses.

Insurance Loss Ratings for Dodge Grand Caravan Vehicles
Specific Dodge Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Dodge Grand Caravan 79 104 81 108 108 107
BETTER
AVERAGE
WORSE

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Are car insurance agents used anymore?

A lot of people just want to get professional advice from a licensed agent and that is just fine! Good agents will help you protect your assets and give you someone to call. The best thing about comparing insurance online is you may find cheap rate quotes and still buy from a local agent. And providing support for local agents is still important in Kansas City.

Insurance agency in Kansas CityFor easy comparison, once you complete this quick form, the coverage information is submitted to companies in Kansas City who will give competitive quotes to get your business. It makes it easy because there is no need to search for any insurance agencies because prices are sent straight to your inbox. If you want to get a price quote for a specific company, you can always search and find their rate quote page and give them your coverage information.

Choosing the best provider requires you to look at more than just a low price. Get answers to these questions too.

  • Where are claims handled?
  • Does the agency provide any after hours assistance?
  • Do they have designations such as AIC, CPCU, or CIC?
  • When do they do a full risk review?
  • Is the agent and/or agency licensed to do business in Missouri?
  • Are you getting all the discounts the company offers?
  • Are there any extra charges for paying monthly?

Your situation helps dictate your coverage

Keep in mind that when it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone's situation is unique and a cookie cutter policy won't apply.Auto insurance savings For example, these questions may help highlight whether or not you will benefit from professional help.

  • At what point should I drop full coverage?
  • Can good grades get a discount?
  • Am I better off with higher deductibles on my Dodge Grand Caravan?
  • What if I don't agree with a claim settlement offer?
  • Why does it cost so much to insure a teen driver in Kansas City?
  • Should I waive the damage coverage when renting a car?
  • If my Dodge Grand Caravan is totaled, can I afford another vehicle?
  • What is GAP insurance?
  • Am I covered if I drive in a foreign country?
  • What is an umbrella policy?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It's fast, doesn't cost anything and you can get the answers you need.

Don't give up on affordable premiums

Cheaper Dodge Grand Caravan insurance in Kansas City can be bought online as well as from independent agents in Kansas City, so get free Kansas City car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide the ability to get quotes online and these smaller providers only sell through independent agencies.

We just showed you a lot of information how to shop for Dodge Grand Caravan insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a company that doesn't do a lot of advertising. These smaller insurers often have lower premium rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

When trying to cut insurance costs, do not reduce needed coverages to save money. Too many times, an insured dropped comprehensive coverage or liability limits only to regret at claim time they didn't purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost.

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