Cheapest Insurance for a Dodge Grand Caravan in Long Beach

Insurance quote for Dodge Grand Caravan in Long BeachHigh-priced Dodge Grand Caravan insurance in Long Beach can empty your savings and make it impossible to make ends meet. Comparing rate quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Astonishing but true according to a recent study, a large majority of drivers renewed their policy with the same company for four years or more, and 38% of drivers have never quoted car insurance rates at all. The average driver in Long Beach could save themselves as much as 35% a year, but they don’t believe how much they could save if they changed companies.

Vehicle owners have many insurance companies to insure vehicles with, and although it’s nice to have a choice, more options can take longer to find a good deal for Dodge Grand Caravan insurance in Long Beach.

Smart Consumers Can Reduce Insurance Rates

A large part of saving on auto insurance is knowing some of the factors that aid in calculating auto insurance rates. When you understand what determines premiums, this allows you to make educated decisions that may reward you with better auto insurance rates.

The factors shown below are some of the items companies use to determine your prices.

Car insurance statistics and figures

The coverage information displayed below covers detailed analysis of insurance costs for Dodge Grand Caravan models. Having insight into how policy rates are determined helps drivers make decisions when shopping your coverage around.

Dodge Grand Caravan Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $270 $374 $450 $26 $134 $1,254 $105
Grand Caravan SE $270 $374 $450 $26 $134 $1,254 $105
Grand Caravan Hero $270 $454 $450 $26 $134 $1,334 $111
Grand Caravan Crew $304 $454 $450 $26 $134 $1,368 $114
Grand Caravan SXT $304 $454 $450 $26 $134 $1,368 $114
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in vehicle garaging location which can modify insurance rates substantially.

Impact of citations and accidents on insurance rates

The diagram below illustrates how violations and at-fault fender-benders can influence Dodge Grand Caravan insurance costs for different age groups. The premiums assume a single female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Gender-based car insurance rates by age

The chart below shows the difference between Dodge Grand Caravan annual premium costs for male and female drivers. The premiums are based on no claims or violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are factored in.

Discount Long Beach insurance quotes

Insuring your vehicles can cost a lot, but you might find some hidden discounts that you may not even know about. Many discounts should be triggered when you quote, but less common discounts must be requested specifically before you get the savings. If you do not check that you are getting every discount you deserve, you are not getting the best rate possible.Insurance discounts

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

The example below illustrates the difference between Dodge Grand Caravan auto insurance costs with and without discounts. The data is based on a female driver, no accidents or driving violations, California 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 homeowner, claim-free, multi-car, safe-driver, marriage, and multi-policy discounts applied.

Car insurance companies that have some of the discounts shown above may include but are not limited to:

If you are trying to find low cost Long Beach car insurance quotes, ask each company how you can save money. Discounts might not be offered in Long Beach. If you would like to see a list of providers with discount insurance rates in Long Beach, click this link.

Long Beach car insurance companies ranked

Choosing a high-quality car insurance provider can be challenging considering how many choices drivers have in California. The ranking data displayed below can help you select which car insurance companies to look at shopping your coverage with.

Top Car Insurance Companies in Long Beach
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

Cheap car insurance rates are out there

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped comprehensive coverage or liability limits only to find out that it was a big mistake. Your objective should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

In this article, we covered a lot of information how to save on Dodge Grand Caravan insurance in Long Beach. It’s most important to understand that the more you quote Long Beach car insurance, the higher your chance of finding inexpensive Long Beach car insurance quotes. You may even discover the lowest priced car insurance comes from a lesser-known regional company. They may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

How to find low-cost Dodge Grand Caravan insurance in Long Beach

If you want to find the absolute lowest rates, then the best way to find the cheapest price for Dodge Grand Caravan insurance in Long Beach is to compare prices at least once a year from companies in California.

Step 1: Try to learn about how your policy works and the measures you can control to prevent high rates. Many policy risk factors that result in higher prices such as speeding tickets, accidents and poor credit history can be remedied by being financially responsible and driving safely.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of companies. View rates

Step 3: Compare the quotes to your existing coverage to see if switching to a new carrier will save money. If you can save some money and switch companies, make sure coverage does not lapse between policies.

Step 4: Tell your current agent or company of your intention to cancel your current coverage and submit a signed application and payment for your new policy. When you receive it, store the certificate of insurance with your registration paperwork.

One bit of advice is to compare the same amount of coverage on every price quote and and to look at as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and a complete rate analysis.

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