Getting discount Las Vegas Dodge Grand Caravan insurance quotes is challenging for consumers who are new to comparing and buying insurance on the web. With such a large number of online companies available, how are consumers able to have the ability to compare every company in order to find cheaper insurance rates?
Unbelievable but true according to a study most drivers kept their policy with the same company for at least the last four years, and virtually 40% of consumers have never compared rates from other carriers. Nevada consumers can save hundreds of dollars each year, but most just don't grasp the big savings they would realize if they switched to a cheaper policy.
You need to compare prices as often as possible because insurance rates change frequently. Despite the fact that you may have had the lowest premium rates on Dodge Grand Caravan insurance in Las Vegas two years ago the chances are good that you can find a lower price today. You'll find a ton of advice on Grand Caravan insurance on the web, but you can learn a bunch of ideas how to put money back in your pocket.
The quickest method to get policy rate comparisons for Dodge Grand Caravan insurance in Las Vegas is to understand auto insurance companies participate in a system to compare rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information like which vehicles you own, whether or not you need a SR-22, how many miles driven, and if it has an anti-theft system. Your rating data is then submitted to many of the top insurers and they return cost estimate quickly.
To get price quotes for your Dodge Grand Caravan now, click here then complete the form.
The companies in the list below are our best choices to provide price quotes in Nevada. If multiple companies are shown, we suggest you get rate quotes from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$168||$208||$404||$24||$120||$924||$77|
|Grand Caravan SE||$188||$260||$314||$18||$94||$874||$73|
|Grand Caravan Hero||$186||$342||$296||$18||$88||$930||$78|
|Grand Caravan Crew||$294||$550||$372||$22||$112||$1,350||$113|
|Grand Caravan SXT||$212||$318||$314||$18||$94||$956||$80|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Prices do not factor in garaging location in Las Vegas which can decrease or increase premiums considerably.
Dodge Grand Caravan insurance rates: Men versus women
The example below shows the comparison of Dodge Grand Caravan insurance rates for male and female drivers. The data assumes a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Drive safe and save
The chart below illustrates how speeding tickets and at-fault accidents influence Dodge Grand Caravan insurance premiums for each age group. Data assumes a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
Verify you're applying every discount
Not too many consumers would say auto insurance is affordable, but you might find some hidden discounts that you may not even be aware of. Some discounts apply automatically when you quote, but some may not be applied and must be asked for before you get the savings.
- E-sign - Some companies may give you up to $50 for buying your policy on the web.
- Good Drivers - Drivers without accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Payment Method - If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
- Defensive Driver - Completing a defensive driver course could earn you a small percentage discount depending on where you live.
- Sign Early and Save - A few larger companies give discounts for switching companies before your current Grand Caravan insurance policy expires. You can save around 10% with this discount.
Drivers should understand that most discount credits are not given to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky.
A few of the larger companies and some of the premium reductions they offer are included below.
- GEICO has discounts for anti-lock brakes, driver training, air bags, five-year accident-free, membership and employees, and good student.
- Travelers offers discounts for driver training, early quote, save driver, good student, new car, home ownership, and IntelliDrive.
- Farm Bureau offers discounts including renewal discount, driver training, safe driver, youthful driver, multi-vehicle, multi-policy, and good student.
- Liberty Mutual may include discounts for good student, multi-policy, new graduate, exclusive group savings, teen driver discount, and preferred payment discount.
- American Family may offer discounts for TimeAway discount, early bird, air bags, bundled insurance, multi-vehicle, mySafetyValet, and good student.
- Progressive discounts include multi-policy, online quote discount, multi-vehicle, homeowner, and online signing.
If you need affordable Las Vegas auto insurance quotes, ask each company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in Las Vegas. To locate insurance companies that offer some of these discounts in Nevada, click this link.
Insurance is not optional in Nevada
Despite the high cost, insurance is required for several reasons.
First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to license the vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Dodge Grand Caravan, it's most likely the lender will require you to have physical damage coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Dodge for a much higher rate and make you pay for it.
Third, insurance preserves both your Dodge and your assets. It also can pay for medical bills for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Dodge gets damaged, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so it's important to compare rates at every policy renewal to be sure current rates are still competitive.
When in doubt talk to an agent
When it comes to the best auto insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine whether or not you might need professional guidance.
- Am I covered when driving a rental car?
- Should I get collision insurance on every vehicle?
- What is an SR-22 filing?
- What is the difference between comprehensive and collision coverage?
- Why does it cost so much to insure a teen driver in Las Vegas?
- Is my teen driver covered when they drive my company car?
- Does my personal policy cover me when driving out-of-state?
If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Local Las Vegas insurance agencies
Many drivers still like to buy from a local agent and that can be a great decision One of the best bonuses of comparing rates online is that you can obtain the lowest rates and still choose a local agent. Supporting local agencies is still important in Las Vegas.
To help locate an agent, after submitting this short form, the coverage information is emailed to local insurance agents who will give you quotes to get your business. There is no reason to visit any agencies since rate quotes are delivered to you directly. Get lower rates and an insurance agent to talk to. If you need to compare prices from one company in particular, you can always go to their quote page and fill out the quote form the provide.
Not all car insurance agents are the same
If you are searching for a local Las Vegas insurance agency, there are two different types of agencies and how they can write your policy. Insurance policy providers can be classified as either independent agents or exclusive agents.
These type of agents are not restricted to one company so they can quote policies through many companies depending on which coverage is best. If they find a lower price, your policy is moved internally and you don't have to do anything.
If you are comparing rate quotes, you will definitely want to get quotes from a few independent agents so that you have a good selection of quotes to compare. Most have the option of insuring with mutual insurance companies that may have much lower rates than larger companies.
Shown below is a partial list of independent agents in Las Vegas who can help you get competitive price quotes.
- Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 - Las Vegas, NV 89145 - (702) 613-0000 - View Map
- Bleecher Insurance
3085 S Jones Blvd - Las Vegas, NV 89146 - (702) 477-7776 - View Map
- Insurance Group of Nevada
US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 - Las Vegas, NV 89102 - (702) 996-6434 - View Map
These type of agents write business for a single company and some examples include State Farm, Allstate and AAA. Exclusive agents are unable to provide other company's prices so they really need to provide good service. They are highly trained on their company's products which helps them sell insurance even at higher premiums. Some insured continue to purchase coverage from exclusives primarily because of the prominence of the brand instead of buying on price only.
Shown below are Las Vegas exclusive insurance agents who can help you get price quotes.
- Tim Powers - State Farm Insurance Agent
2920 S Rainbow Blvd #100 - Las Vegas, NV 89146 - (702) 871-8338 - View Map
- Juan Diaz - State Farm Insurance Agent
1718 S Eastern Ave - Las Vegas, NV 89104 - (702) 489-4242 - View Map
- Farmers Insurance: Kenny Redelsperger
4045 Spencer St #114 - Las Vegas, NV 89119 - (702) 735-0926 - View Map
Finding a good insurance agency requires more thought than just the price. Here are some questions to ask:
- When do they do a full risk review?
- Will the agent or a CSR service your policy?
- Is the agency involved in supporting local community causes?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they in the agency full-time?
Once you have received positive feedback to any questions you have and an affordable coverage quote, you have narrowed it down to an insurance agent that is professional and can properly insure your vehicles. But keep in mind you have the power to terminate your policy when you choose so don't feel you're contractually obligated to any specific company for the entire policy term.