Insurance for Dodge Grand CaravanHow many years has it been since you compared cheaper Dodge Grand Caravan insurance in San Antonio? Are you burned out from being strong-armed to make your car insurance payment? You're in the same situation as the majority of other drivers in Texas.

It's amazing but most consumers have been with the same company for at least four years, and approximately 38% of consumers have never compared quotes from other companies. Many consumers in Texas could cut their rates by $1,770 a year just by getting comparison quotes, but they underestimate the amount of money they would save if they replace their high priced policy.

Drivers have so many insurance companies to choose from, and even though it's nice to be able to choose, too many choices makes it more difficult to locate the cheapest rates for Dodge Grand Caravan insurance in San Antonio.

Buying affordable insurance in San Antonio is actually quite simple. Virtually every car owner who shops around for insurance should be able to find better rates. Although Texas vehicle owners do need to learn how insurance companies determine prices because rates are impacted by many factors.

Best companies for cheap Dodge Grand Caravan insurance in Texas

The following companies have been selected to offer free rate quotes in San Antonio, TX. In order to find cheap auto insurance in Texas, we suggest you visit as many as you can to find the most competitive auto insurance rates.

Dodge Grand Caravan Insurance Rate Estimates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $218 $302 $392 $24 $118 $1,054 $88
Grand Caravan SE $218 $302 $392 $24 $118 $1,054 $88
Grand Caravan Hero $322 $682 $462 $28 $138 $1,632 $136
Grand Caravan Crew $210 $340 $366 $22 $110 $1,048 $87
Grand Caravan SXT $422 $592 $500 $30 $150 $1,694 $141
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in vehicle garaging location which can increase or decrease premiums considerably.

Annual premiums for males compared to females

The information below compares Dodge Grand Caravan auto insurance costs for male and female drivers. The information is based on no violations or claims, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied.

Rate comparison for different deductibles

One of the more difficult decisions when buying auto insurance is how high should the physical damage coverage deductibles be. The premium rates below show the rate fluctuation between low and high comp and collision deductibles. The first data set uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Dodge Grand Caravan insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $294 $408 $382 $22 $114 $1,245 $104
Grand Caravan SE $294 $408 $382 $22 $114 $1,245 $104
Grand Caravan Hero $294 $496 $382 $22 $114 $1,333 $111
Grand Caravan Crew $332 $496 $382 $22 $114 $1,371 $114
Grand Caravan SXT $332 $496 $382 $22 $114 $1,371 $114
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Dodge Grand Caravan insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $240 $328 $382 $22 $114 $1,086 $91
Grand Caravan SE $240 $328 $382 $22 $114 $1,086 $91
Grand Caravan Hero $240 $400 $382 $22 $114 $1,158 $97
Grand Caravan Crew $270 $400 $382 $22 $114 $1,188 $99
Grand Caravan SXT $270 $400 $382 $22 $114 $1,188 $99
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in San Antonio location which can decrease or increase premium rates considerably.

Based on these figures, using a $250 deductible will cost you about $14 more each month or $168 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have more than 18 months between claim filings, you would probably come out ahead if you elect the higher deductible.

Lower-cost Dodge Grand Caravan insurance in San Antonio

Companies offering auto insurance don't list every disount available in an easy-to-find place, so the following is a list of both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.

Don't be surprised that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, company stockholders wouldn't be very happy. But any discount will reduce the amount you have to pay.

Some of the insurance companies that have many of the previously listed discounts include:

Before buying, ask all companies you are considering how you can save money. Discounts might not be offered on policies in San Antonio. To see insurers with the best discounts in San Antonio, click this link.

How much auto insurance do I need?

When selecting coverage online or from an agent, there is no "perfect" insurance plan. Each situation is unique.

Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form.

When should I contact an insurance agent?

Some consumers still prefer to visit with an insurance agent and often times that is recommended The biggest benefit of comparing rates online is you can get the best rates and also buy local.

Insurance agency in San AntonioAfter completing this simple form, your information gets sent to local insurance agents who will gladly provide quotes for your business. It makes it easy because there is no need to even leave your home because prices are sent directly to you. You can find better rates and a licensed agent to work with. If you need to get a comparison quote for a specific company, feel free to find their quoting web page and fill out their quote form.

Deciding on an company is decision based upon more than just the quoted price. Before buying a policy in San Antonio, get answers to these questions.

What type of San Antonio auto insurance agent is right for you?

If you want to buy insurance from a local insurance agency, there are two types of insurance agents and how they can quote your rates. Insurance agencies are categorized either independent agents or exclusive agents depending on their employer.

Exclusive Agents

Agents that choose to be exclusive can usually just insure with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot provide prices from multiple companies so you need to shop around if the rates are high. These agents are well schooled in insurance sales and that allows them to sell at a higher price point.

The following are San Antonio exclusive insurance agents that are able to give rate quotes.

1775 Encino Rio Boulevard - San Antonio, TX 78259 - (210) 496-9533 - View Map

10130 San Pedro Ave #103 - San Antonio, TX 78216 - (210) 349-1317 - View Map

2, 407 N Zarzamora - San Antonio, TX 78207 - (210) 438-5826 - View Map

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Independent Insurance Agents

Agents in the independent channel often have many company appointments so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can just switch to a different company and you don't have to do anything. When comparison shopping, you need to include price quotes from at least one independent agent to maximize your price options.

Listed below is a short list of independent agencies in San Antonio that can give you comparison quotes.

7410 Blanco Rd #385 - San Antonio, TX 78216 - (210) 446-0109 - View Map

401 E Sonterra Blvd #375 - San Antonio, TX 78258 - (210) 510-4160 - View Map

1534 W Contour Dr #101 - San Antonio, TX 78212 - (210) 828-7873 - View Map

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Once you have received acceptable answers to these questions as well as offering an affordable quote, chances are good that you have found an insurance agent that meets your needs to properly service your insurance policy. Just remember policyholders can terminate coverage at any point so don't think that you're stuck with your new company for the entire policy term.

Lower rates by being persistent

Affordable Dodge Grand Caravan insurance in San Antonio is attainable online and also from your neighborhood San Antonio agents, and you should compare rates from both to have the best chance of lowering rates. Some car insurance companies may not offer rate quotes online and most of the time these smaller providers provide coverage only through local independent agents.

When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. Too many times, someone sacrificed comprehensive coverage or liability limits and discovered at claim time they didn't have enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

We just showed you a lot of information how to shop for Dodge Grand Caravan insurance online. The most important thing to understand is the more companies you get auto insurance rates for, the higher your chance of finding low cost San Antonio car insurance quotes. You may even find the lowest rates are with a smaller regional carrier.

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