How Much are Auto Insurance Rates for a Dodge Grand Caravan in San Diego?

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Dodge Grand Caravan insurance
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Finding affordable car insurance for a Dodge Grand Caravan relies on a large number of rating criteria such as whether the vehicle is new, the condition of your credit, and if you have tickets or violations. Drivers will pay on average $1,146 annually for Grand Caravan insurance, but that price is a valuation based upon a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you're not a 30-year-old male, you might be married instead of single, or maybe you don't qualify for the same discounts. Auto insurance is unique to each driver, so the best way to find the cheapest rates for your Dodge is to do a thorough rate comparison.

Find Cheaper Dodge Grand Caravan Insurance

Your vehicle's trim level tends to impact the insurance rate, so the price you will pay to insure a Grand Caravan CV trim level will be $96 cheaper than the insurance cost for the fancier Grand Caravan SXT model, as shown in the prices below.

Dodge Grand Caravan Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $240 $298 $578 $34 $174 $1,324 $110
Grand Caravan SE $240 $298 $578 $34 $174 $1,324 $110
Grand Caravan Hero $240 $362 $578 $34 $174 $1,388 $116
Grand Caravan Crew $272 $362 $578 $34 $174 $1,420 $118
Grand Caravan SXT $272 $362 $578 $34 $174 $1,420 $118
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in specific location information which can increase or decrease insurance rates substantially.

Buying coverage from a highly-rated insurance company can be challenging considering how many companies are available to choose from in San Diego. The company information in the next section could help you choose which car insurance providers you want to consider when comparing rate quotes.

These ratings are only made up of companies that insure vehicles nationwide, so companies without a large exposure are not included in these rankings. If you'd like to compare prices from these and other companies in California, click this link.

Best Car Insurance Companies for a Dodge Grand Caravan in San Diego
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
AAA of Southern California 91 94 97 92% A+ 94.1
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
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Data Source: Best Car Insurance Companies

Full coverage or liability only

Finding the cheapest car insurance is important to most vehicle owners, and one way to buy cheaper insurance for a Dodge Grand Caravan is to not buy comprehensive and collision coverage. The example below illustrates the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no violations or accidents, $500 deductibles, single status, and no discounts are applied.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs an extra $2,305 per year over and above liability only. Many drivers will wonder if paying for full coverage is a waste of money. There isn't a steadfast formula of when to drop physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

There are some situations where buying only liability insurance is not a good plan. If you haven't paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Types of discounts on San Diego insurance rates

Cheaper San Diego, CA car insurance for a Grand CaravanInsurers that provide policies for a Dodge Grand Caravan may have premium discounts that could reduce prices by as much as 25% or more if you qualify. The best car insurance companies and some of the premium reductions they offer are outlined below.

The information below visualizes the comparison of insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, homeowner, anti-theft, defensive driving course, multiple policy, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for a Dodge Grand Caravan is 28% or $735.

If you prefer to have professional advice when shopping for cheaper insurance for a Grand Caravan, the professional agents shown below are a good start to answer your questions and help you decide which car insurance policy is best.

To locate a San Diego car insurance agency nearest to you, click the link at the bottom.

Mike Davis - State Farm Insurance Agent
2254 Moore St #103 - San Diego, CA 92110 - (619) 295-8412

Allstate Insurance: Jing Zeng Financial and Insurance Service
7323 Convoy Ct # B111 - San Diego, CA 92111 - (858) 268-7010

Leavitt Group - Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 - San Diego, CA 92122 - (858) 436-2441

View map of San Diego, CA insurance agents

How to find cheaper car insurance for a Dodge Grand Caravan

The list below details some penny-pinching ideas that can help drivers get cheap car insurance.

The last suggestion is very vital, as we pointed out in the prior article. Rates change a lot, so don't be hesitant to switch companies if a better rate can be found. Brand loyalty is great, but it isn't a good idea if it's costing you money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper insurance for a Dodge Grand Caravan in San Diego.