Finding better insurance prices for a Dodge Grand Caravan in Texas can normally be difficult, but you can learn the following methods to make it easier.
There are both good and bad ways to compare car insurance rates and we’ll show you the absolute fastest way to get price quotes on a Dodge and get the lowest possible price either online or from Fort Worth insurance agents.
Shopping for lower car insurance rates can take hours if you don’t know the most efficient way to do it. You could spend your day driving to agents in Fort Worth, or you could use the web to get the quickest rates.
Many companies enroll in a system where insurance shoppers send in one quote, and each participating company then gives them pricing. This system prevents you from having to do quote requests for each company.
To fill out one form to compare multiple rates now click here to start a free quote.
The single downside to using this type of system is you don’t know exactly which companies you want to price. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of the cheapest car insurance companies in Texas. Click here for list of insurance companies in Texas.
It doesn’t matter which method you choose, just ensure you are comparing the exact same coverage data on every price quote you get. If the quotes have different data then you won’t be able to make a fair comparison for your Dodge Grand Caravan in Fort Worth. Just a small difference in coverage limits can make a big difference in price. And when comparing car insurance rates, know that comparing a wide range of rates provides better odds of finding the best offered rates.
Are you getting every discount?
Some providers do not list every available discount in an easy-to-find place, so the next list breaks down a few of the more well known and also the more inconspicuous credits available to bring down your rates.
- Telematics Data – People who choose to allow their company to analyze where and when they drive remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
- Student Discounts – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
- Government Employees – Simply working for the federal government could cut as much as 10% off for Grand Caravan insurance depending on your car insurance provider.
- Early Switch Discount – Select larger companies give a discount for signing up before your current policy expires. This discount can save up to 10%.
- Driver’s Education for Students – Have your child take driver’s ed class if it’s offered in school.
- Discounts for Multiple Vehicles – Having multiple vehicles with one company could earn a price break for each car.
Just know that some credits don’t apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.
A list of companies and a selection of discounts are:
- GEICO may offer discounts for driver training, seat belt use, military active duty, multi-vehicle, good student, anti-lock brakes, and anti-theft.
- MetLife may include discounts for good driver, claim-free, good student, multi-policy, and accident-free.
- State Farm offers discounts for Steer Clear safe driver discount, multiple autos, good student, student away at school, and driver’s education.
- Progressive has discounts for online signing, multi-policy, continuous coverage, homeowner, multi-vehicle, good student, and online quote discount.
- Mercury Insurance policyholders can earn discounts including multi-policy, anti-theft, ease of repair, accident-free, type of vehicle, low natural disaster claims, and age of vehicle.
- 21st Century offers premium reductions for homeowners, early bird, theft prevention, teen driver, and student driver.
- Allstate includes discounts for senior citizen, good payer, 55 and retired, anti-theft, and resident student.
Before you buy a policy, ask all the companies which discounts they offer. Some credits may not apply to policyholders in your area. To see providers offering car insurance discounts in Fort Worth, click here to view.
Auto insurance coverages
Learning about specific coverages of a car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as doctor visits, X-ray expenses, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.
Comprehensive coverage (or Other than Collision)
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as rock chips in glass, damage from a tornado or hurricane, falling objects, hitting a bird and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto collision coverage
This coverage covers damage to your Grand Caravan from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as sideswiping another vehicle, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.
Liability coverage
This coverage protects you from damage that occurs to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against things such as attorney fees, emergency aid and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Texas state law requires minimum liability limits of 30,000/60,000/25,000 but you should think about purchasing higher limits.
To learn more about car insurance in Texas
More information is located on the located here. Visitors are able to view a list of available companies, download brochures, and get help finding coverage.
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