Amazingly, a recent NerdWallet.com study showed that a large majority of drivers in Arizona have stayed with the same insurance company for four years or more, and nearly the majority have never quoted auto insurance rates at all. The average driver in America could save almost 47% every year by just comparing quotes, but they just feel it’s too hard to compare rates online.
It takes a few minutes, but the best way to get discount auto insurance rates is to start comparing prices regularly from companies in Chandler.
Step 1: Read about how companies price auto insurance and the steps you can take to keep rates low. Many rating criteria that increase rates such as multiple speeding tickets and poor credit can be controlled by making minor changes in your lifestyle.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Allstate, while independent agencies can provide price quotes for a wide range of companies.
Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you can save money, make sure coverage is continuous and does not lapse.
An essential thing to point out is to compare the same physical damage deductibles and liability limits on every price quote and and to get price quotes from as many car insurance companies as possible. This guarantees a fair price comparison and a complete price analysis.
If you have coverage now or need a new policy, follow these tips to get lower rates while maximizing coverage. Locating the most cost-effective car insurance policy in Chandler can initially seem challenging. Smart shoppers just have to use how to buy car insurance from many companies at once.
Auto insurance discounts are available to lower rates
Auto insurance companies do not advertise every discount available very well, so the list below details some of the best known and also the more inconspicuous discounts that may be available.
- Include Life Insurance and Save – Larger insurance carriers have a discounted rate on car insurance if you buy life insurance.
- Buy New and Save – Buying a new car model can be considerably cheaper since new vehicles have better safety ratings.
- Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote Chandler car insurance with a few auto insurance companies.
- Switch and Save Discount – A few larger companies give discounts for buying a new policy prior to your current Grand Caravan insurance policy expiration. It can save you around 10%.
- Drivers Education – Require your teen driver to enroll and complete driver’s education in school or through a local driver safety program.
- Accident Waiver – This one is not really a discount per se, but some companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident without getting socked with a rate hike if your claims history is clear before the accident.
- Save over 55 – Mature drivers may qualify for a small discount on rates.
- Student in College – Youth drivers living away from Chandler attending college and don’t have a car could qualify for this discount.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Onboard Data Collection – Policyholders that allow data collection to scrutinize driving habits by installing a telematics device like Allstate’s Drivewise could possibly reduce rates if their driving habits are good.
A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, nobody gets a free ride. But any discount should definitely cut your premiums.
The example below illustrates the comparison of Dodge Grand Caravan car insurance costs with and without discounts applied. The costs are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage 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, safe-driver, multi-policy, claim-free, and homeowner discounts applied.
A few popular companies and a selection of discounts are shown below.
- 21st Century discounts include homeowners, student driver, anti-lock brakes, good student, defensive driver, and 55 and older.
- Progressive may include discounts for multi-policy, online signing, good student, homeowner, and continuous coverage.
- State Farm offers discounts including good student, passive restraint, driver’s education, safe vehicle, anti-theft, accident-free, and good driver.
- Nationwide offers premium reductions for anti-theft, defensive driving, business or organization, Farm Bureau membership, good student, and easy pay.
- Esurance has discounts for Switch & Save, anti-theft, claim free, Pac-12 alumni, good student, and renters.
- The Hartford may have discounts that include defensive driver, anti-theft, good student, vehicle fuel type, and bundle.
If you are trying to find affordable Dodge Grand Caravan insurance quotes, ask every prospective company which discounts they offer. Some discounts listed above might not apply in your area. To locate insurance companies that offer discounts in Arizona, click here to view.
Finding a better price on car insurance is pretty simple and can save money. Just take a couple of minutes to get quotes provided by online insurance companies.
It’s so easy to compare rates online that it makes it obsolete to physically go to all the different Chandler insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless your situation requires the personal advice that only an agent can give. You can, however, get prices online but buy from a local insurance agent.
The providers in the list below are our best choices to provide free quotes in Arizona. To locate cheap car insurance in AZ, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Dodge Grand Caravan insurance analysis
The price information displayed below outlines detailed analysis of rate quotes for Dodge Grand Caravan models. Having insight into how insurance policy rates are calculated helps drivers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $200 | $314 | $314 | $18 | $94 | $940 | $78 |
| Grand Caravan SE | $200 | $314 | $314 | $18 | $94 | $940 | $78 |
| Grand Caravan Hero | $200 | $382 | $314 | $18 | $94 | $1,008 | $84 |
| Grand Caravan Crew | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| Grand Caravan SXT | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific location information which can affect coverage rates substantially.
Can higher deductibles save money?
One of the most common insurance questions is how high should your deductibles be. The comparison tables below may help you to understand how much more you’ll pay of buying low and high physical damage deductibles. The first table uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Grand Caravan SE | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Grand Caravan Hero | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Grand Caravan Crew | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Grand Caravan SXT | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Grand Caravan SE | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Grand Caravan Hero | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Grand Caravan Crew | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Grand Caravan SXT | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific location which can raise or lower coverage rates greatly.
Based on these figures, using a $100 deductible would cost the average driver about $19 more each month or $228 a year than buying the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 21 months between claim filings, you would most likely save money by selecting a higher deductible. The illustration below shows an example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $94 |
| Average monthly premium for $500 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important issue to know is that increasing deductibles to save money means you will have to cover more of the damage yourself at claim time. You should have some extra funds in the event you have to pay the deductible for vehicle repair.
The diagram below illustrates how choosing a deductible and can affect Dodge Grand Caravan annual premium costs for different categories of driver ages. The costs are based on a married female driver, full coverage, and no discounts are taken into consideration.
Full coverage rates vs. liability-only
The illustration below shows the difference between Dodge Grand Caravan car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no violations or claims, $250 deductibles, single marital status, and no policy discounts are applied.
Deciding between full coverage and liability only
There is no written rule of when to phase out physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your Dodge Grand Caravan claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after you pay the deductible. If it’s costing in excess of $400 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some circumstances where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not opt for liability only.
Informed Drivers Save Money
Multiple criteria are considered when premium rates are determined. Some factors are common sense such as your driving record, but some are less apparent such as your marital status or how safe your car is.
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Teenagers vs. older drivers – Older insureds are shown to be more cautious, statistically cause fewer accidents, and tend to be get fewer driving tickets. Teen drivers have been known to get distracted easily when behind the wheel so they pay higher car insurance rates.
The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Less chance of injury means lower car insurance rates – Cars with high safety ratings get lower rates. Safe vehicles result in less severe injuries and lower injury rates means your insurance company pays less passed on to you as lower rates. If the Dodge Grand Caravan is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
- Never let your coverage expire – Allowing your coverage to lapse is a quick way to pay more for car insurance. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in fines and jail time.
- Car features that lower car insurance rates – Driving a car with a theft deterrent system can save you a little every year. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft.
- Get better rates if married – Walking down the aisle may cut your premiums on your car insurance policy. Having a spouse usually means you are more mature than a single person and insurance companies like that married couples file fewer claims.
- Liability protection is cheap – The liability section of your policy will protect you in the event that you are found liable for an accident. It will provide legal defense coverage up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so do not cut corners here.
- Bump up physical damage deductibles to lower rates – Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some coverage claims would be a windshield shattered by a rock, vandalism, and having your car stolen. The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. The larger the amount the insured is willing to pay, the better rate you will receive.
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Prices for men may be higher – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes are responsible for at-fault accidents at about the same rate, but guys get into accidents with more damage. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving.
The diagram below shows the comparison of Dodge Grand Caravan insurance premiums for male and female drivers. The rate quotes are based on no violations or claims, full physical damage coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
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Dodge Grand Caravan claim statistics – Insurance companies factor in insurance loss information to help determine costs. Models that historically have higher prevalence or dollar amount of losses will cost more for specific coverages. The table below illustrates the loss history for Dodge Grand Caravan vehicles.
For each policy coverage type, the statistical loss for all vehicles averaged together is equal to 100. Values below 100 suggest losses that are better than average, while values over 100 indicate higher probability of having a loss or an increased chance of a larger loss.
Dodge Grand Caravan Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Dodge Grand Caravan 79 104 81 108 108 107 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Car insurance quotes from neighborhood Chandler auto insurance agents
Certain consumers prefer to have an agent’s advice and that can be a smart move Professional insurance agents are very good at helping people manage risk and help in the event of a claim. The biggest benefit of comparing rates online is that you can obtain lower premium rates but also keep your business local.
To help locate an agent, after submitting this simple form, the coverage information gets sent to participating agents in Chandler who will return price quotes for your business. You never need to drive around because prices are sent to you instantly. If you want to get a comparison quote from a specific insurance company, you would need to navigate to their website and fill out their quote form.
Choosing the best insurer should include more criteria than just the quoted price. Any agent in Chandler should be willing to answer these questions.
- In the event of vehicle damage, can you pick the collision repair facility?
- Are they involved in claim handling?
- Do you work with a CSR or direct with the agent?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are there any discounts that you might be missing?
- Do they regularly work with personal auto policies in Chandler?
- Are there any discounts for paying up front?
If you want a reliable insurance agency, it can be helpful to understand the different types of agents that you can choose from. Chandler agents are classified as either exclusive or independent. Both types of agents can sell affordable car insurance policies, but we need to point out the subtle differences since it can impact your agent selection.
Exclusive Car Insurance Agencies
Exclusive insurance agents can usually just insure with one company like Farmers Insurance, State Farm, or Allstate. These agents are not able to provide other company’s prices so it’s a take it or leave it situation. These agents are very knowledgeable on what they offer which helps them sell on service rather than price.
The following are exclusive insurance agencies in Chandler that are able to give comparison quotes.
Paula Koroso – State Farm Insurance Agent
569 N Arizona Ave – Chandler, AZ 85225 – (480) 792-1400 – View Map
Steve Haase – State Farm Insurance Agent
220 N Chippewa Pl – Chandler, AZ 85224 – (480) 963-0261 – View Map
Allstate Insurance: Joe Kittelson
1351 N Alma School Rd Ste 160 – Chandler, AZ 85224 – (480) 545-8877 – View Map
Independent Agents (or Brokers)
Independent agents can quote rates with many companies so they have the ability to put coverage amongst many companies and find you cheaper rates. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part. When comparing rate quotes, it’s recommended you get several quotes from at a minimum one independent agency to ensure the widest selection of prices.
Shown below are independent insurance agencies in Chandler that can give you comparison quotes.
Independent Insurance Agent
5165 S Eileen Dr – Chandler, AZ 85248 – (480) 220-7233 – View Map
Oasis Insurance
1200 N Arizona Ave #3 – Chandler, AZ 85225 – (480) 782-9202 – View Map
Poothills Insurance
4221 E Chandler Blvd # 119 – Phoenix, AZ 85048 – (480) 759-1970 – View Map
Choosing the best Grand Caravan insurance in Arizona is an important decision
Despite the high insurance cost for a Dodge Grand Caravan in Chandler, insuring your vehicle is not optional due to several reasons.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability coverage in order to drive the car. In Arizona 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 your car has a loan, almost every bank will require you to buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may buy a policy for your Dodge for a much higher rate and require you to reimburse them for it.
Third, auto insurance preserves both your car and your assets. It will also pay for hospital and medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, 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 (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of insuring your Grand Caravan outweigh the cost, particularly for liability claims. The average driver in America is currently overpaying as much as $865 each year so it’s very important to do a rate comparison at every policy renewal to help ensure money is not being wasted.
Chandler car insurance company ratings
Buying coverage from a good quality car insurance provider can be a challenge considering how many companies there are to choose from in Chandler. The ranking data displayed below may help you decide which auto insurers you want to consider shopping your coverage with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Keep this in mind when shopping around
When you buy Chandler car insurance online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where someone sacrificed liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your objective should be to buy enough coverage at the best possible price while still protecting your assets.
Budget-conscious Dodge Grand Caravan insurance is possible from both online companies as well as from insurance agents, and you should be comparing both to have the best selection. Some car insurance companies do not offer rates over the internet and most of the time these regional carriers provide coverage only through local independent agents.
We just showed you many ideas to shop for Dodge Grand Caravan insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest Dodge Grand Caravan rate quotes. You may even be surprised to find that the lowest rates come from a small local company. Some small companies may only write in your state and offer lower auto insurance rates than their larger competitors like Progressive and GEICO.
Much more information about car insurance in Arizona is located at the links below
- Keeping Children Safe in Crashes Video (iihs.org)
- Who Has the Cheapest Chandler Auto Insurance for a Ford Explorer? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Accord in Chandler? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Hybrid Vehicles in Chandler? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Comprehensive Coverage (Liberty Mutual)