Find Affordable Dodge Grand Caravan Insurance in Columbus

Astonishing but true according to a recent study, over 70% of consumers kept buying from the same company for more than four years, and nearly half have never even compared quotes to find cheaper rates. Ohio drivers could save 55% a year, but most undervalue the benefits if they switched to a cheaper policy.

If you want to save money, the best way to save money on auto insurance rates in Columbus is to compare quotes annually from companies who provide auto insurance in Ohio.

1. Read and learn about car insurance and the changes you can make to prevent expensive coverage. Many rating criteria that cause rate increases like traffic citations and a substandard credit history can be controlled by improving your driving habits or financial responsibility.
2. Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while independent agents can quote rates from many different companies.
3. Compare the quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate quote and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

One tip to remember is that you’ll want to make sure you compare the same deductibles and limits on each quote request and and to analyze as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and a complete price analysis.

Pricing the cheapest policy in Columbus is quite easy. Nearly every person who is shopping for insurance most likely will find a lower-cost company. Nevertheless, Ohio consumers benefit from understanding the methods companies use to compete online because it can help you find the best coverage.

The most recommended method to get rate comparisons for Dodge Grand Caravan insurance in Columbus is to know most of the bigger providers provide online access to give free rates quotes. To start a quote, the only thing you need to do is give them rating details like distance driven, if you have an active license, the year, make and model of vehicles, and if you require a SR-22. Your insurance information is then sent to multiple car insurance providers and they respond with quotes with very little delay.

To get price quotes for your Dodge Grand Caravan now, click here and find out if you can get cheaper insurance in Columbus.

The following companies provide quotes in Columbus, OH. If several companies are displayed, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.

Dodge Grand Caravan insurance analysis

The coverage table displayed below outlines estimates of rate quotes for Dodge Grand Caravan models. Having a good grasp of how auto insurance prices are figured is important for drivers to make smart choices when selecting a coverage provider.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in Columbus location which can affect coverage prices noticeably.

Higher deductibles save money

One of the most common insurance questions is which deductibles should you choose. The following tables may aid in understanding the costs and benefits when you choose different physical damage coverage deductibles. The first table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in vehicle location which can revise coverage prices considerably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $17 more each month or $204 every year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 44 months between claims, you would more than likely save some money if you decide on a higher deductible.

The chart below demonstrates how deductibles and can affect Dodge Grand Caravan insurance rates for different insured age categories. The data assumes a single male driver, full coverage, and no discounts are factored in.

Insurance rates by gender and age

The chart below illustrates the difference between Dodge Grand Caravan insurance costs for male and female drivers. The information is based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.

Why you need insurance for your Dodge Grand Caravan

Despite the high insurance cost for a Dodge Grand Caravan in Columbus, buying insurance may be required for several reasons.

• Almost all states have minimum liability requirements which means state laws require specific limits of liability coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your Dodge Grand Caravan, almost every bank will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender will be forced to insure your Dodge at a much higher premium rate and force you to pay for the expensive policy.
• Insurance preserves not only your vehicle but also your assets. Insurance will pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of insuring your Grand Caravan greatly outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $810 a year so you should quote rates at every renewal to save money.

Columbus insurance discounts for a Dodge Grand Caravan

Insurance can be prohibitively expensive, but there may be some discounts that you may not even know about. Many discounts should be triggered at quote time, but once in a while a discount must be asked for before you will receive the discount. If you do not double check each discount available, you’re paying more than you need to.

• Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.
• Good Student – A discount for being a good student may save as much as 25% on a Columbus car insurance quote. Most companies allow this discount until age 25.
• No Accidents – Drivers with accident-free driving histories pay less when compared with bad drivers.
• Telematics Devices – Drivers that enable their insurance company to track driving manner by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.
• Discount for Home Ownership – Owning your own home or condo can help you save on insurance because owning a home is proof that your finances are in order.

As a sidenote, most of the big mark downs will not be given to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The diagram below shows the difference between Dodge Grand Caravan insurance rates with and without discounts applied. The costs are based on a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, marriage, and safe-driver discounts applied.

Larger insurance companies and some of their more popular discounts include:

• Farm Bureau offers discounts for safe driver, multi-policy, 55 and retired, good student, driver training, multi-vehicle, and youthful driver.
• Liberty Mutual offers discounts including safety features, good student, new graduate, newly married, hybrid vehicle, and new vehicle discount.
• State Farm may offer discounts for driver’s education, passive restraint, good driver, accident-free, student away at school, anti-theft, and safe vehicle.
• Auto-Owners Insurance may have discounts that include paid in full, company car, group or association, teen driver, anti-lock brakes, multi-policy, and mature driver.
• GEICO discounts include daytime running lights, federal employee, defensive driver, anti-theft, air bags, driver training, and anti-lock brakes.
• SAFECO includes discounts for drive less, homeowner, multi-car, teen safety rewards, anti-theft, safe driver, and anti-lock brakes.

If you are trying to find affordable Columbus car insurance quotes, ask every company which discounts they offer. All car insurance discounts may not apply to policyholders in your state.

Buying car insurance from Columbus insurance agents

Many people would rather get advice from a local agent and that can be a smart move A nice benefit of price shopping on the web is you may find cheap rate quotes and still buy from a local agent. Buying insurance from local insurance agents is especially important in Columbus.

Once you complete this short form, your coverage information is immediately sent to local insurance agents in Columbus who want to provide quotes to get your business. You won’t even need to contact an agency since price quotes are sent to you instantly. You’ll get the best rates AND a local agent. If you need to compare prices from a particular provider, you can always find their quoting web page and submit a quote form there.

Deciding on a company requires you to look at more than just the price. Before buying a policy in Columbus, get answers to these questions.

• Is the agency involved in supporting local community causes?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Can glass claims be handled at your home?
• Do they offer claims assistance after hours?
• Does the company have a local claim office in Columbus?

Parts of your auto insurance policy

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Liability – Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible. Ohio requires drivers to carry at least 25/50/25 but it’s recommended drivers buy more liability than the minimum.

The next chart demonstrates why the minimum limit may not be enough.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Since many Ohio drivers only carry the minimum required liability limits (25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liability limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for pain medications, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, damage from a tornado or hurricane, hail damage and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays for damage to your Grand Caravan caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Grand Caravan in order to get cheaper collision rates.

Smart shoppers get results

You just learned quite a bit of information on how to find cheap Dodge Grand Caravan insurance in Columbus. The most important thing to understand is the more you quote Columbus car insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate and Progressive.

More affordable auto insurance in Columbus is definitely available both online in addition to many Columbus insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers don’t offer online price quotes and these smaller companies work with independent insurance agents.

Additional learning opportunities

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Who Has Cheap Columbus Auto Insurance Quotes for a Toyota RAV4? (FAQ)
• Who Has Cheap Columbus Auto Insurance Rates for Drivers Under 25? (FAQ)
• Who Has Affordable Columbus Car Insurance Quotes for Low Mileage Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for 19 Year Olds in Columbus? (FAQ)
• How Much is Columbus Auto Insurance for Infrequent Drivers? (FAQ)
• How Much is Columbus Auto Insurance for Drivers with a DUI? (FAQ)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Safety Belts FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Institute)