Finding the best cheap car insurance for a Dodge Grand Caravan relies on many rating factors such as your birth date, whether or not you have prior claims, and physical damage deductibles. Drivers in Oklahoma pay approximately $1,352 annually to insure their Grand Caravan, but that is a valuation based upon a 40-year-old married female driver with full physical damage coverage and $100 deductibles.
There’s a high likelihood you are not 40 years old and maybe not even female, maybe you are single instead of married, and you might want liability-only or different deductibles. Having even a minor difference in policy rating criteria or coverages could result in a significant change in the policy rate.
This illustrates why the best method for finding the cheapest rates for your Dodge is to do a thorough rate comparison. Quotes are always free and you will be able to see rates from some of the cheapest companies around.
The specific model of Grand Caravan will be a contributing factor to the insurance rate, so the price to insure a Grand Caravan CV will be $164 cheaper than the cost to insure the high end Grand Caravan SXT model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$332||$562||$470||$28||$140||$1,532||$128|
|Grand Caravan SE||$332||$562||$470||$28||$140||$1,532||$128|
|Grand Caravan Hero||$332||$684||$470||$28||$140||$1,654||$138|
|Grand Caravan Crew||$374||$684||$470||$28||$140||$1,696||$141|
|Grand Caravan SXT||$374||$684||$470||$28||$140||$1,696||$141|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in vehicle garaging location which can raise or lower premiums noticeably.
Insuring your vehicle with a high-quality company can be challenging considering how many companies provide coverage in Oklahoma City. The ranking data in the lists below can help you choose which insurers to look at when looking for cheaper rates. These ratings are only made up of major nationwide insurance companies, so smaller companies that only insure vehicles in Oklahoma will not be included in the list.
Top 10 Large Auto Insurance Providers in Oklahoma City Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- AAA Insurance
- The Hartford
The diagram below shows how different deductible levels can raise or lower insurance costs when getting quotes for cheap insurance for a Dodge Grand Caravan. The premium estimates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
A 50-year-old driver could lower their policy premium by $320 a year by changing from a $100 deductible to a $500 deductible, or save $484 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, could roll back prices $794 or even more just by choosing higher deductibles.
When raising deductibles, it will now be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Tickets and at-fault accidents raise rates
In a perfect world, the best way to receive low insurance premiums for a Grand Caravan is to be a careful driver and avoid at-fault accidents and violations. The information below demonstrates how traffic citations and at-fault collisions can raise yearly insurance costs for each age group. The information is based on a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in Oklahoma per year with no accidents and a clean driving record is $2,125. Receive two speeding tickets and the average cost rises to $2,928, an increase of $803 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for a Dodge Grand Caravan increases to an average of $6,065. That’s an increase of $3,940, or $328 per month, just for being a careless driver!
How to find low-cost insurance for a Dodge Grand Caravan
Here are some of the recommended thrifty solutions that can help Oklahoma drivers get more affordable auto insurance.
- Buy your homeowners policy from the same company as your auto insurance
- Older vehicles may not need full coverage
- Higher credit ratings may save you money
- Vehicles with good safety ratings have lower liability rates
- Prevent price hikes by avoiding at-fault accidents
- Compare rates often to find the best deal
The last item on the list is certainly valuable, as was stressed in this article. Coverage prices adjust frequently, so drivers shouldn’t be reluctant to buy from a new company if a lower price can be found.
Having a favorite company is great, but it isn’t a good idea if that loyalty results in overpaying a considerable chunk of change every month. In less than five minutes you could compare prices to find cheaper auto insurance for a Dodge Grand Caravan in Oklahoma City.
If you aren’t sure which coverage to buy and prefer to get some professional advice when buying car insurance for a Dodge Grand Caravan, the agencies below are willing to aid you in deciding which car insurance company is the best fit.
To find an Oklahoma City insurance agent using an interactive map, click the button following the list or click here to compare rates now.
Allstate Insurance: Gerald Jeter
11723 S Western Ave – Oklahoma City, OK 73170 – (405) 692-2411
6401 NW Expressway # 100B – Oklahoma City, OK 73132 – (405) 384-1518
Russ Warren Insurance Agency
3431 NW 36th St – Oklahoma City, OK 73112 – (405) 947-6745
Ken Shelton – State Farm Insurance Agent
10901 S Western Ave a – Oklahoma City, OK 73170 – (405) 378-0407
Terry Amacher – State Farm Insurance Agent
4509 NW 63rd St – Oklahoma City, OK 73132 – (405) 721-5500