Dodge Grand Caravan insurance policy image courtesy of QuoteInspector.com
Finding the best cheap auto insurance for a Dodge Grand Caravan in Texas doesn't take a ton of time, but it hinges on many rating criteria such as age of the driver, your address, and whether or not you are a good driver. Drivers in Texas will pay on average $1,056 annually to insure their Grand Caravan, but that price is calculated based on a 30-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you're not a 30-year-old female, you might be married instead of single, or maybe you just want liability only instead of full coverage. Have just a small change in the criteria used to calculate rates can result in a large change in the policy cost.
Auto insurance is not the same for everyone, so the way we recommend to find the most affordable coverage for your Dodge is to compare rates from as many companies as possible. Compare rate quotes now and you will receive prices from some of the best insurers in Texas.
Your Dodge's trim level impacts the annual cost of coverage, so the cost to insure a Grand Caravan CV trim level will be $94 less than the cost to insure the fancier Grand Caravan SXT trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$202||$316||$514||$30||$154||$1,216||$101|
|Grand Caravan SE||$202||$316||$514||$30||$154||$1,216||$101|
|Grand Caravan Hero||$202||$384||$514||$30||$154||$1,284||$107|
|Grand Caravan Crew||$228||$384||$514||$30||$154||$1,310||$109|
|Grand Caravan SXT||$228||$384||$514||$30||$154||$1,310||$109|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific zip code location which can impact rates considerably.
Best insurance in Houston
Picking the best insurance provider can be rather challenging considering how many different companies insure vehicles in Houston. The company rank data in the lists below may help you decide which auto insurers to look at when shopping insurance around for a Dodge Grand Caravan. The rankings below are for companies with a nationwide focus, so smaller companies are not taken into consideration for this list.
Top 10 Major Auto Insurance Providers Overall in Houston
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Major Auto Insurance Providers in Houston Ranked by A.M. Best Rating
- Travelers - A++
- USAA - A++
- GEICO - A++
- State Farm - A++
- Titan Insurance - A+
- Esurance - A+
- Progressive - A+
- The Hartford - A+
- Allstate - A+
- Nationwide - A+
How to get discounts on Houston insurance rates
Auto insurance companies that provide policies for a Dodge Grand Caravan may also offer price discounts that could potentially reduce rates by 25% or more if you qualify for them. Companies and a summarized list of policyholder discounts are shown below.
- GEICO offers discounts including five-year accident-free, membership and employees, defensive driver, multi-vehicle, anti-lock brakes, multi-policy, and emergency military deployment.
- MetLife offers discounts for good student, multi-policy, claim-free, defensive driver, good driver, accident-free
- Progressive discounts include multi-vehicle, multi-policy, continuous coverage, homeowner, and online signing.
- Travelers policyholders can earn discounts including payment discounts, early quote, hybrid/electric vehicle, save driver, new car, good student, and home ownership.
- SAFECO has discounts for teen safety rewards, accident prevention training, anti-lock brakes, drive less, and safe driver.
- AAA has savings for anti-theft, education and occupation, good driver, multi-car, and multi-policy.
The information below illustrates the difference between auto insurance rates with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, safe-driver, accident-free, homeowner, marriage, and claim-free discounts applied. When discounts are factored in, theamount saved on insurance for a Dodge Grand Caravan is 28% or $729.
The importance of shopping around for Grand Caravan insurance
Houston insurance rates are based on many factors that can increase the price you pay. Simply having a birthday, filing a claim, or getting a few speeding tickets can cause premium changes that may make certain companies cheaper than competitors. In addition, car insurance companies amend premium rates every year in order to maintain liquidity for claims. An unexpected high level of claims may result in a rate increase, while a lower level of claims can result in more affordable Grand Caravan insurance rates.
To illustrate this point, the chart below shows the company with the cheapest car insurance in Houston, TX for a 40-year-old male driver with a good driving record, no prior claims, and good financial standing. When comparing rates based on his current rating profile, Travelers quotes the lowest car insurance rates in Houston at $1,249 each year. This is $655 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining most affordable Houston, TX auto insurance companies.
Now let's give the driver from the first set of rates an accident surcharge, bad credit, and a speeding ticket. Since each auto insurance company has a different process to determining premium rates, comparing insurance quotes could now result in a substantially altered list of cheap Houston auto insurance companies as shown below.
Mercury now has the best insurance rate in Houston, TX with State Farm, Nationwide, USAA, and Safe Auto completing the list. This example proves why consumers need to take the time to perform a complete rate comparison when trying to get the most budget-friendly auto insurance rates for a Dodge Grand Caravan. Rates consist of many things and change dramatically, so the most affordable company three years ago may now be one of the more expensive options.
How to find economical insurance for a Dodge Grand Caravan
It is possible to find better rates, and here are some of the better money-saving solutions that can help you locate lower-cost auto insurance.
- Avoid having at-fault accidents
- Higher credit scores may earn you cheaper rates
- You will pay more if you get tickets or have at-fault accidents
- If possible, do not file small claims
- Raise comprehensive and collision coverage deductibles
- Multi-policy discounts save money
- Shop around for cheaper prices
That final tip is notably vital, as was emphasized in the article above. Auto insurance prices fluctuate considerably, so don't be afraid to switch to a new company if you find a cheaper price. Many drivers have brand loyalty and that's fine, but it isn't a good idea if that stubbornness costs you thousands of dollars over the life of your policy. Now is a great time to shop around to find cheaper auto insurance for a Dodge Grand Caravan in Houston.
The insurance agencies listed below can most likely help you determine which coverage fits your budget, since some drivers wish to get some help when shopping around for cheaper insurance for a Dodge Grand Caravan. It can be difficult to find the best coverage yourself, and using a licensed agent can provide you peace of mind knowing your policy gives you sufficient coverage for your assets.
To find a Houston insurance agency close to where you live, click the button at the bottom or click here to compare price quotes.
Brandon Herndon - State Farm Insurance Agent
10103 Fondren Rd #150 - Houston, TX 77096 - (832) 431-4222
Lucrecia Jasminoy - State Farm Insurance Agent
223 Cavalcade St - Houston, TX 77009 - (713) 884-1442
Hispanos Insurance Agency
8624 Long Point Rd - Houston, TX 77055 - (713) 827-1277
R.Y.A. Insurance Agency, Inc.
12155 Jones Rd #300 - Houston, TX 77070 - (281) 469-6286