Searching for lower-priced Dodge Grand Caravan insurance in Chicago? Comparison shopping for cheaper Dodge Grand Caravan insurance in Chicago could be nearly impossible for drivers new to online rate comparisons. Because there are so many insurers to choose from, it can easily turn into hard work to find more affordable coverage rates on Dodge Grand Caravan insurance.
It’s hard to believe, but most Illinois auto insurance customers kept their coverage with the same auto insurance company for over three years, and nearly the majority have never even compared rates from other companies. Many consumers in the U.S. could save up to 46.5% a year by just comparing quotes, but they underestimate the benefits if they switched.
We hope to let you in on the most effective ways to compare rates. If you currently have a car insurance policy, you will most likely be able to find better prices using these techniques. Although Illinois drivers should learn how the larger insurance companies market on the web.
These discounts can reduce Dodge Grand Caravan insurance rates
Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Some discounts will apply when you purchase, but a few must be inquired about before being credited.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and that can save you a little bit as well.
- Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
- Good Student – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Defensive Driver – Participating in a defensive driver course can save you 5% or more and easily recoup the cost of the course.
- 55 and Retired – Seniors can get a discount up to 10%.
- Auto/Life Discount – Larger insurance companies have a discounted price on car insurance if you buy a life insurance policy as well.
- Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction with some insurance companies.
- Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
- Good Drivers – Drivers who avoid accidents can pay as much as 50% less than less cautious drivers.
As a footnote on discounts, many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.
Popular insurance companies and some of the discounts include:
- American Family policyholders can earn discounts including bundled insurance, multi-vehicle, TimeAway discount, early bird, accident-free, mySafetyValet, and good student.
- State Farm offers discounts for student away at school, Steer Clear safe driver discount, good student, safe vehicle, defensive driving training, and accident-free.
- 21st Century may include discounts for student driver, homeowners, teen driver, air bags, 55 and older, and automatic seat belts.
- Travelers includes discounts for continuous insurance, student away at school, IntelliDrive, new car, save driver, good student, and driver training.
- GEICO may offer discounts for military active duty, anti-lock brakes, seat belt use, federal employee, and emergency military deployment.
If you need affordable Dodge Grand Caravan insurance quotes, ask all the companies the best way to save money. All car insurance discounts may not be available in Chicago.
How to get Chicago Dodge Grand Caravan insurance rate quotes
Keep in mind that obtaining a wide range of quotes helps increase your odds of locating a lower rate.
The car insurance companies shown below offer quotes in Illinois. If multiple companies are shown, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $204 | $306 | $268 | $16 | $80 | $874 | $73 |
| Grand Caravan SE | $174 | $274 | $274 | $16 | $82 | $820 | $68 |
| Grand Caravan Hero | $138 | $262 | $352 | $20 | $106 | $878 | $73 |
| Grand Caravan Crew | $196 | $334 | $294 | $18 | $88 | $930 | $78 |
| Grand Caravan SXT | $210 | $274 | $342 | $20 | $102 | $948 | $79 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in Chicago location which can influence premiums considerably.
Dodge Grand Caravan insurance costs by age and gender
The diagram below visualizes the comparison of Dodge Grand Caravan auto insurance costs for male and female drivers. The information is based on no violations or accidents, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Policy deductibles
One common question asked by Chicago drivers is how high should the deductibles for physical damage be. The rates shown below lay out the price difference when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $202 | $280 | $262 | $16 | $78 | $863 | $72 |
| Grand Caravan SE | $202 | $280 | $262 | $16 | $78 | $863 | $72 |
| Grand Caravan Hero | $202 | $340 | $262 | $16 | $78 | $923 | $77 |
| Grand Caravan Crew | $228 | $340 | $262 | $16 | $78 | $949 | $79 |
| Grand Caravan SXT | $228 | $340 | $262 | $16 | $78 | $949 | $79 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $164 | $226 | $262 | $16 | $78 | $746 | $62 |
| Grand Caravan SE | $164 | $226 | $262 | $16 | $78 | $746 | $62 |
| Grand Caravan Hero | $164 | $274 | $262 | $16 | $78 | $794 | $66 |
| Grand Caravan Crew | $186 | $274 | $262 | $16 | $78 | $816 | $68 |
| Grand Caravan SXT | $186 | $274 | $262 | $16 | $78 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium costs do not factor in Chicago location which can increase or decrease insurance rates significantly.
Using the data above, we can ascertain that using a $250 deductible costs an average of $11 more each month or $132 a year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average more than 23 months between claims, you would more than likely save some money by going with a higher deductible.
Independent versus exclusive car insurance agents
A small number of people would rather sit down and talk to an agent and that is a smart decision One of the best bonuses of price shopping on the web is the fact that drivers can get the lowest rates and still have an agent to talk to. And providing support for local insurance agents is important particularly in Chicago.
After completing this short form, your insurance data is immediately sent to agents in your area who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies due to the fact that quote results will go instantly to you. You can get cheaper insurance rates AND a local agent. If you need to get a comparison quote from a particular provider, don’t hesitate to find their quoting web page and fill out their quote form.
If you are searching for a local agent, you should know the different agency structures and how they operate. Insurance policy providers can either be exclusive or independent.
Independent Agencies or Brokers
Agents of this type are normally appointed by many insurers and that is an advantage because they can write policies with many different companies and possibly get better coverage at lower prices. If prices rise, they simply move the coverage in-house and that require little work on your part.
If you are comparing rate quotes, you will definitely want to check rates from a couple of independent agencies to have the best price comparison. Many independent agencies also insure through smaller regional carriers which can be an advantage.
The following is a list of independent insurance agents in Chicago who may provide free insurance rate quotes.
- Great Northern Insurance Agency
5632 S Pulaski Rd – Chicago, IL 60629 – (773) 838-3900 – View Map - Urban Insurance Agency
800 W Huron St #301 – Chicago, IL 60642 – (312) 664-8088 – View Map - ABI Insurance Agency
4806 N Milwaukee Ave – Chicago, IL 60630 – (773) 202-9666 – View Map
Exclusive Agents
These type of agents normally can only provide a single company’s rates like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are usually well trained on their company’s products which helps them compete with independent agents. Many people buy from the same agent for years primarily because of the prominence of the brand rather than low price.
The following are Chicago exclusive insurance agencies who can help you get comparison quotes.
- Rhea Joyer – State Farm Insurance Agent
4911 N Lincoln Ave c – Chicago, IL 60625 – (773) 878-8883 – View Map - Gus Andrade – State Farm Insurance Agent
4355 W 26th St – Chicago, IL 60623 – (773) 521-0216 – View Map - Roni Siegel – State Farm Insurance Agent
860 N Clark St – Chicago, IL 60610 – (312) 751-0500 – View Map
Picking the best car insurance agent should depend on more than just the quoted price. Any good agent in Chicago should know the answers to these questions.
- Can they give you a list of client referrals?
- Do they prorate repair cost based on vehicle mileage?
- Do they specialize in personal lines coverage in Chicago?
- Do they receive special compensation for putting your coverage with one company over another?
- Is the agent properly licensed in Illinois?
- How long has their agency been open in Chicago?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the company use OEM repair parts?
Upon receiving good feedback as well as offering an affordable quote, you’ve probably found an insurance agency that is reliable enough to insure your vehicles.
Persistence pays off
When you buy Chicago auto insurance online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.
You just learned a lot of tips how to compare Dodge Grand Caravan insurance prices in Chicago. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the best prices are with the smaller companies.
Cheaper Dodge Grand Caravan insurance in Chicago can be purchased online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and most of the time these small insurance companies work with independent agents.
Helpful resources
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Chicago Auto Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Low Credit Scores in Chicago? (FAQ)
- Who Has Affordable Chicago Auto Insurance Quotes for a Toyota RAV4? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Comprehensive Coverage (Liberty Mutual)
- Distracted Driving Extends Beyond Texting (State Farm)