How long has it been since you compared cheaper Dodge Grand Caravan insurance in Arlington? If you’re searching for lower-priced insurance online, are you overwhelmed by the crazy number of car insurance companies in your area? Many other people are as well. There are so many companies to choose from that it is a challenge to find the best premium rates for Dodge Grand Caravan insurance in Arlington. Arlington is a great city to raise a family in, but having to pay for pricey car insurance can make it hard for many residents to afford coverage.
Unfortunately, most consumers in Texas kept their coverage with the same car insurance company for over three years, and almost half have never quoted rates to find lower-cost coverage. American drivers could cut their rates by almost 47% a year just by getting comparison quotes, but they don’t understand how simple it is to find lower-cost car insurance rates.
It’s smart to take a look at other company’s rates every six months due to the fact that insurance prices change regularly. Even if you think you had the best rates on Dodge Grand Caravan insurance in Arlington six months ago you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to teach you one of the easiest ways to properly buy coverages and cut your premium.
When shopping for Dodge Grand Caravan insurance in Arlington there are multiple ways to get quotes from lots of Texas car insurance companies. By far the easiest way to find competitive Dodge Grand Caravan insurance rates consists of obtaining rate quotes online. When quoting car insurance, remember that comparing more quotes will improve the odds of getting lower pricing.
The companies shown below provide quotes in Texas. In order to find cheap car insurance in Arlington, TX, we recommend you compare several of them to get the most affordable price.
Here’s why car insurance is not optional
Even though Arlington Grand Caravan insurance rates can get expensive, buying car insurance is required in Texas but it also protects you in many ways.
First, almost all states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Grand Caravan has a loan, it’s most likely the lender will force you to buy insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Dodge at an extremely high rate and require you to reimburse them a much higher amount than you were paying before.
Third, car insurance protects not only your vehicle but also your financial assets. It also can pay for all forms of medical expenses 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 your driving. If mother nature or an accident damages your car, your policy will cover the repair costs.
The benefits of buying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in America is currently overpaying as much as $830 a year so you should quote and compare rates each time the policy renews to ensure rates are competitive.
Auto insurance analysis for a Dodge Grand Caravan
The coverage table shown next outlines a range of insurance prices for Dodge Grand Caravan models. Having a good understanding how insurance rates are determined can assist in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $156 | $264 | $430 | $26 | $128 | $1,004 | $84 |
| Grand Caravan SE | $156 | $264 | $430 | $26 | $128 | $1,004 | $84 |
| Grand Caravan Hero | $156 | $322 | $430 | $26 | $128 | $1,062 | $89 |
| Grand Caravan Crew | $176 | $322 | $430 | $26 | $128 | $1,082 | $90 |
| Grand Caravan SXT | $176 | $322 | $430 | $26 | $128 | $1,082 | $90 |
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific garaging location which can increase or decrease coverage prices greatly.
The chart below demonstrates how deductible levels and can change Dodge Grand Caravan yearly insurance costs for different age groups of insureds. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Get cheaper Dodge Grand Caravan insurance rates in Arlington
Car insurance is not cheap, but you might find some hidden discounts that you may not even be aware of. Most are applied at quote time, but occasionally some discounts must be asked about before they will apply.
- Driver Safety – Taking time to complete a defensive driver course can save you 5% or more and also improve your driving technique.
- Accident Free – Claim-free drivers are rewarded with significantly better rates on Arlington car insurance quote compared to drivers with a long claim history.
- Multi-policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you could earn a discount of up to 20% and get you low cost Dodge Grand Caravan insurance.
- Theft Deterrent System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft so companies will give you a small discount.
- Discount for Low Mileage – Driving less may enable drivers to earn better premium rates on cars that stay parked.
- Arlington Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
- Student in College – Youth drivers who attend college more than 100 miles from Arlington and do not take a car to college can receive lower rates.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
- Telematics Data – People who choose to allow driving data submission to analyze driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they are good drivers.
While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
The example below compares Dodge Grand Caravan auto insurance rates with and without discounts applied. The price estimates are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, claim-free, and safe-driver discounts applied.
If you would like to view car insurance companies that offer multiple discounts in Texas, click this link.
Insurance is available from local agents
Many people still prefer to have an agent’s advice. The best thing about comparing insurance prices online is the fact that drivers can get lower rates and still buy from a local agent. Supporting small agencies is definitely important in Arlington.
Upon completion of this quick form, your coverage information is sent to agents in your area that can give you free Arlington car insurance quotes for your insurance coverage. There is no need to drive around as quotes are delivered to you instantly. It’s the lowest rates without a big time investment. If you wish to compare prices from a particular provider, just search and find their rate quote page and fill out their quote form.
The following are Arlington auto insurance companies that may be able to provide price quotes for Dodge Grand Caravan insurance in Arlington.
- Aramex Insurance Agency
1523 New York Ave – Arlington, TX 76010 – (800) 711-1418 – View Map - Nelson Insurance
2340 I-20 – Arlington, TX 76011 – (817) 261-3276 – View Map - Pattillo Insurance Agency
3825 W Green Oaks Blvd Suite 250 – Arlington, TX 76016 – (972) 218-1723 – View Map - Tucker Insurance Agency
3901 Arlington Highlands Blvd #200 – Arlington, TX 76018 – (817) 695-5166 – View Map
Choosing the best insurer should include more criteria than just a cheap price quote. Before buying a policy in Arlington, get answers to these questions.
- What company holds the largest book of business for them?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agent have a valid license to sell insurance in Texas?
- Is the coverage adequate for your vehicle?
- Which companies can they place coverage with?
Upon receiving satisfactory answers for all questions you ask as well as offering an affordable quote, you may have found a company that meets the criteria to insure your vehicles.
Arlington car insurance company ratings
Picking a high-quality auto insurance provider can be a challenge considering how many companies sell coverage in Texas. The ranking information shown next can help you select which insurers you want to consider when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Educate yourself about auto insurance coverages
Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Collision coverage protection
This coverage will pay to fix damage to your Grand Caravan from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like colliding with a tree, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your Grand Caravan to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Grand Caravan.
Since a lot of drivers only carry the minimum required liability limits (30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, pain medications and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible
Comprehensive insurance
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as fire damage, hitting a bird and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability
This coverage can cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 30/60/25 that translate to a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against things like bail bonds, funeral expenses, legal defense fees, structural damage and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but you should think about purchasing higher limits.
The illustration below demonstrates why minimum state limits may not provide adequate coverage.
Final considerations
People change insurance companies for many reasons like an unsatisfactory settlement offer, unfair underwriting practices, delays in responding to claim requests and poor customer service. It doesn’t matter why you want to switch switching insurance companies can be less work than you think.
When you buy Arlington car insurance online, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured dropped uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
We just showed you a lot of techniques to lower your Dodge Grand Caravan insurance rates in Arlington. The most important thing to understand is the more you quote Arlington car insurance, the better likelihood of getting the cheapest Dodge Grand Caravan rate quotes. Consumers may even find the best price on insurance is with a small mutual company.
Steps to buying lower priced Dodge Grand Caravan insurance in Arlington
Really, the only way to get low-cost Dodge Grand Caravan insurance is to start doing an annual price comparison from different companies who provide auto insurance in Arlington.
- First, get a basic knowledge of what is in your policy and the measures you can take to prevent high rates. Many factors that drive up the price such as tickets, at-fault accidents, and a substandard credit score can be improved by being financially responsible and driving safely.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can provide price quotes from many different companies.
- Third, compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate and make a switch, verify that coverage does not lapse between policies.
A key point to remember is that you’ll want to compare identical coverages on each price quote and and to get prices from as many companies as you can. Doing this ensures an accurate price comparison and many rates to choose from.
Other resources
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a Ford Explorer in Arlington? (FAQ)
- Who Has the Cheapest Auto Insurance for Police Officers in Arlington? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)