Cheapest Lubbock Dodge Grand Caravan Insurance

Insurance rates Dodge Grand Caravan in LubbockDo you want to save money by buying the cheapest auto insurance rates in Lubbock, TX? Lubbock shoppers have a choice when shopping for affordable Dodge Grand Caravan insurance. You can either spend your time calling around getting price quotes or use the internet to compare rates.

There are both good and bad ways to buy auto insurance and we’ll show you the proper way to quote coverages on a Dodge and find the lowest possible price either online or from Lubbock insurance agents.

This information will teach you the best way to buy inexpensive insurance and some money-saving tips. If you have insurance now, you will definitely be able to reduce premiums using these tips. You just have to know the most time-saving way to buy insurance online.

Lubbock Insurance Costs are Influenced by These Factors

It’s important that you understand the different types of things that play a part in calculating car insurance rates. If you know what influences your rates, this empowers consumers to make smart changes that may reward you with lower car insurance prices. Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although others are more obscure such as whether you are married or your vehicle rating.

Listed below are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

Getting a cheaper price on insurance is surprisingly easy. Just take a few minutes to compare rate quotes online from several insurance companies.

The car insurance companies shown below are ready to provide comparison quotes in Texas. If you want cheaper car insurance in TX, we recommend you visit two to three different companies in order to get a fair rate comparison.

Data for Dodge Grand Caravan insurance

The rate information displayed below outlines a range of insurance costs for Dodge Grand Caravan models. Having a good understanding how car insurance prices are figured is important to be able to make decisions on the best policy to buy.

Dodge Grand Caravan Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $282 $502 $430 $26 $128 $1,368 $114
Grand Caravan SE $282 $502 $430 $26 $128 $1,368 $114
Grand Caravan Hero $282 $610 $430 $26 $128 $1,476 $123
Grand Caravan Crew $318 $610 $430 $26 $128 $1,512 $126
Grand Caravan SXT $318 $610 $430 $26 $128 $1,512 $126
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can change coverage rates substantially.

Deductible comparison

The hardest decision when buying coverage is what deductibles to buy. The comparison tables below may help to illustrate the rate differences between high and low coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Dodge Grand Caravan insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $328 $486 $382 $22 $114 $1,357 $113
Grand Caravan SE $328 $486 $382 $22 $114 $1,357 $113
Grand Caravan Hero $328 $592 $382 $22 $114 $1,463 $122
Grand Caravan Crew $370 $592 $382 $22 $114 $1,505 $125
Grand Caravan SXT $370 $592 $382 $22 $114 $1,505 $125
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Dodge Grand Caravan insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $240 $328 $382 $22 $114 $1,086 $91
Grand Caravan SE $240 $328 $382 $22 $114 $1,086 $91
Grand Caravan Hero $240 $400 $382 $22 $114 $1,158 $97
Grand Caravan Crew $270 $400 $382 $22 $114 $1,188 $99
Grand Caravan SXT $270 $400 $382 $22 $114 $1,188 $99
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in Lubbock location which can revise coverage prices substantially.

Based on the data above, we can derive that using a $100 deductible costs approximately $25 more each month or $300 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 16 months between claims, you would save money if you choose a higher deductible.

The information below illustrates how your deductible choice and can impact Dodge Grand Caravan annual premium costs for different ages of insureds. The costs are based on a married female driver, comp and collision included, and no other discounts are factored in.

Accidents and violations increase rates

The information below highlights how traffic violations and at-fault accidents can increase Dodge Grand Caravan insurance rates for different insured age categories. The premiums assume a single female driver, full coverage, $500 deductibles, and no discounts are factored in.

Insurance rates based on gender

The information below visualizes the comparison of Dodge Grand Caravan car insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Dodge Grand Caravan full coverage rates compared to liability only

The information below shows the difference between Dodge Grand Caravan insurance costs with full coverage and liability only. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no other discounts are factored in.

When to drop comp and collision

There isn’t a steadfast formula of when to exclude full coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Dodge Grand Caravan book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year to have full coverage, then it may be the right time to buy liability only.

There are a few cases where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Insurance protects more than just your car

Even though it can be expensive, insuring your vehicle is most likely required but also gives you several important benefits.

The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. Unknowingly, the average driver is overpaying over $865 each year so you should quote and compare rates at least once a year to be sure current rates are still competitive.

Slash your car insurance rates with discounts

Some insurance providers don’t always publicize the entire discount list in a way that’s easy to find, so the next list breaks down both well-publicized and the more hidden ways to save on car insurance.Car insurance discounts

Just know that most discounts do not apply to the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride.

The illustration below shows the comparison of Dodge Grand Caravan insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, safe-driver, homeowner, and marriage discounts applied.

Larger car insurance companies and a partial list of their discounts are included below.

When getting free Lubbock auto insurance quotes, it’s a good idea to each company which discounts can lower your rates. Some of the discounts discussed earlier might not apply in Lubbock. To view insurers that have a full spectrum of discounts in Texas, click here.

You may require the services of an insurance agent

Some consumers would prefer to buy from a licensed agent and that can be a smart move Professional insurance agents can help determine the best coverages and give you someone to call. The biggest benefit of comparing rate quotes online is the fact that you can find cheaper premium rates and still buy from a local agent. Supporting local agencies is especially important in Lubbock.

Lubbock insurance agentsBy using this form (opens in new window), your insurance data is transmitted to local insurance agents in Lubbock who will give you bids for your insurance coverage. It’s much easier because you don’t need to search for an agent since price quotes are sent to you directly. In the event you want to compare rates for a specific company, feel free to jump over to their website to submit a rate quote request.

Exclusive agents vs. Independent agents

When researching a good insurance agency, you need to know there are two different types of agents that you can select. Insurance agencies in Lubbock can be described as either independent or exclusive. Either one can write policy coverage, but we need to point out the difference in how they write coverage because it can factor into the kind of agent you use.

Independent Agents

Independent agents are not employed by one company and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When comparing rates, you should always get some free quotes from independent agents for the best price selection. Most can insure with small mutual carriers that can offer cheaper rates than bigger companies.

Below is a partial list of independent agencies in Lubbock that may be able to give you cheap rate quotes.

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Exclusive Insurance Agencies

Exclusive agencies normally can only provide a single company’s rates like State Farm, Allstate, and Farm Bureau. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies are usually well trained on their products and sales techniques which helps them sell on service rather than price. Some consumers prefer to buy from the same agent for years mostly because of the brand rather than low price.

Below are Lubbock exclusive insurance agencies that can give you comparison quotes.

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Choosing the best insurance agency requires more thought than just the premium amount. Ask your prospective agent these questions:

Lubbock auto insurance companies

Buying coverage from a highly-rated auto insurance company can be a challenge considering how many different companies insure vehicles in Lubbock. The company information shown next may help you choose which insurers to look at buying from.

Top 10 Lubbock Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Will just any policy work for me?

When it comes to your policy, there really is not a “best” method to buy coverage. You are unique.Higher deductibles save money

For example, these questions may help you determine whether you might need an agent’s assistance.

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Cheaper insurance premiums are out there

Insureds leave their current company for many reasons like lack of trust in their agent, poor customer service, unfair underwriting practices or even policy cancellation. Whatever your reason, finding a new insurance company is easier than you think.

When shopping online for insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced physical damage coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

Some insurance companies don’t offer online price quotes and these small insurance companies only sell coverage through independent agencies. Low-cost Dodge Grand Caravan insurance in Lubbock can be purchased both online in addition to many Lubbock insurance agents, so compare prices from both to have the best chance of lowering rates.

How to find cheaper rates for Dodge Grand Caravan insurance in Lubbock

The preferred way to get low-cost Dodge Grand Caravan insurance in Lubbock is to compare quotes once a year from insurers in Texas. Rate comparisons can be done by following these guidelines.

A good tip to remember is that you’ll want to make sure you compare identical coverage information on each quote request and and to get rate quotes from as many companies as possible. This provides a fair rate comparison and a complete rate analysis.

Additional insurance information can be found on the following sites: