It takes a little time, but the best way to get budget Dodge Grand Caravan insurance in Virginia Beach is to compare quotes once a year from providers in Virginia. You can compare prices by following these guidelines.
Step 1: Learn about individual coverages and the factors you can control to prevent expensive coverage. Many risk factors that result in higher rates such as distracted driving and a negative credit rating can be amended by making minor changes to your lifestyle.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple insurance companies.
Step 3: Compare the new rates to the premium of your current policy to see if a cheaper price is available in Virginia Beach. If you find better rates, ensure there is no coverage lapse between policies.
Step 4: Tell your current company of your intention to cancel your existing policy. Submit a completed policy application and payment to your new insurance company. Make sure you keep your new proof of insurance certificate in an accessible location in your vehicle.
The most important part of shopping around is to use the same amount of coverage on every quote and and to get rates from as many companies as you can. This ensures the most accurate price comparison and a thorough selection of prices.
It goes without saying that insurance companies want to keep you from comparing prices. Drivers who shop around for the cheapest rate will most likely move their business because they have good chances of finding good coverage at a lower price. A recent survey found that consumers who routinely shopped around saved about $860 a year as compared to drivers who never compared rates.
If finding the lowest price for auto insurance is your ultimate target, then having an understanding of the best ways to find and compare car insurance can make it easier to find better rates.
The most recommended method to compare car insurance rates for Dodge Grand Caravan insurance in Virginia Beach is to realize most of the larger companies participate in online systems to give free rates quotes. To get started, all you need to do is give them rating details such as how much coverage you want, whether you have decent credit, if you have a valid license, and marital status. That rating data is instantly sent to all major companies and you get price estimates quickly.
To start a rate quote now, click here then complete the form.
The companies in the list below are ready to provide free quotes in Virginia. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.
Rates and statistics
The table displayed below highlights estimates of rate quotes for Dodge Grand Caravan models. Knowing how car insurance prices are established can assist in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $154 | $228 | $242 | $14 | $72 | $710 | $59 |
| Grand Caravan SE | $154 | $228 | $242 | $14 | $72 | $710 | $59 |
| Grand Caravan Hero | $154 | $278 | $242 | $14 | $72 | $760 | $63 |
| Grand Caravan Crew | $172 | $278 | $242 | $14 | $72 | $778 | $65 |
| Grand Caravan SXT | $172 | $278 | $242 | $14 | $72 | $778 | $65 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can influence rates substantially.
Do you qualify for discounts?
Insurance can be prohibitively expensive, but you might find some hidden discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked about prior to getting the savings.
- Low Mileage Discounts – Low annual miles may enable drivers to earn substantially lower premium rates.
- Payment Discounts – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
- Student in College – Children who live away from home at college and do not take a car to college may be able to be covered for less.
- Senior Citizen Rates – Seniors may qualify for a small discount on rates.
- Responsible Driver Discounts – Insureds without accidents may save up to 50% more than less cautious drivers.
- Paperwork-free – Some insurance companies will give a small break simply for signing over the internet.
- Multiple Cars – Buying insurance for multiple cars or trucks with the same company could earn a price break for each car.
You should keep in mind that most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, that’s just not realistic.
The illustration below illustrates the difference between Dodge Grand Caravan auto insurance costs with and without some available policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, Virginia 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 marriage, multi-car, homeowner, safe-driver, claim-free, and multi-policy discounts applied.
For a list of auto insurance companies who offer discounts in Virginia, click here to view.
Best reasons to buy car insurance in Virginia
Despite the high insurance cost for a Dodge Grand Caravan in Virginia Beach, car insurance may be required for several reasons.
- The majority of states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance in order to license the vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a lien on your vehicle, it’s guaranteed your bank will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Dodge for a lot more money and force you to pay the higher price.
- Car insurance protects your Dodge and your assets. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If your Dodge gets damaged, comprehensive and collision coverage will pay to repair the damage.
The benefits of having car insurance are without a doubt worth the cost, particularly when you have a large claim. But the average American driver is overpaying over $810 a year so compare quotes from several companies each time the policy renews to ensure rates are competitive.
Local Virginia Beach insurance agencies and auto insurance
Many drivers would prefer to get advice from a local agent and we recommend doing that Experienced insurance agents can help you build your policy and help submit paperwork. One of the great benefits of comparing rate quotes online is you can get better rates and still have a local agent. Supporting small agencies is definitely important in Virginia Beach.
By using this quick form, your information is emailed to local insurance agents who can give free rate quotes to get your business. There is no reason to leave your computer because quoted prices will be sent directly to your email. If you have a need to compare rates from a particular provider, you would need to find their quoting web page and complete a quote there.
Finding a good insurer should include more criteria than just a low price. Any agent in Virginia Beach should be forthright in answering these questions:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Can they give you a list of client referrals?
- Is every driver in your family covered?
- Will your rates increase after a single accident?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How much will you save each year by using a higher deductible?
- Which companies can they place coverage with?
- Does the agency support the community they serve?
Upon getting good feedback to any questions you have as well as a price you’re happy with, you may have just found a company that meets the requirements to properly service your auto insurance policy. Just remember policyholders can terminate your policy whenever you choose to so don’t assume that you are permanently stuck with your new company for the entire policy term.