Do you need a fast way to compare cheaper Dodge Grand Caravan insurance in San Jose? Being forced to pay for overpriced insurance premiums can draw down your checking account and force you to make tough financial choices. Comparing price quotes is a great way to ensure you are getting the best deal.

Insurance rates Dodge Grand Caravan in San JoseUnthinkable but true, most insurance buyers have bought insurance from the same company for at least four years, and 38% of customers have never compared insurance rates at all. California consumers can save almost 35% each year, but most undervalue the actual amount they would save if they just switched companies.

Since drivers have many insurance companies to choose from that have cheap insurance for a Dodge Grand Caravan in San Jose, it is very difficult to locate the cheapest company.

It's smart to compare rates once or twice a year since insurance prices tend to go up over time. Just because you had the best rates on Dodge Grand Caravan insurance in San Jose a few years ago you may be paying too much now. Forget all the misinformation about insurance because we're going to demonstrate the best way to find the best coverage while lowering your premiums.

This information will familiarize you with how to effectively get price quotes and how to save the most money. If you have a policy now, you will surely be able to lower your rates using the ideas covered in this article. But California drivers should learn how big insurance companies sell insurance online because rates fluctuate considerably.

Car insurance providers offering competitive rate quotes in California

The providers in the list below provide price quotes in California. In order to find the best cheap auto insurance in San Jose, CA, we recommend you get rate quotes from several of them to get the best price comparison.

Dodge Grand Caravan Insurance Costs in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $192 $274 $456 $26 $136 $1,084 $90
Grand Caravan SE $162 $246 $416 $24 $124 $972 $81
Grand Caravan Hero $182 $372 $500 $30 $150 $1,234 $103
Grand Caravan Crew $332 $592 $500 $30 $150 $1,604 $134
Grand Caravan SXT $374 $564 $450 $26 $134 $1,548 $129
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can alter coverage prices substantially.

How high should deductibles be?

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The figures shown below summarize the cost difference between high and low comp and collision deductibles. The first table uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Dodge Grand Caravan insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $380 $564 $442 $26 $132 $1,569 $131
Grand Caravan SE $380 $564 $442 $26 $132 $1,569 $131
Grand Caravan Hero $380 $686 $442 $26 $132 $1,691 $141
Grand Caravan Crew $430 $686 $442 $26 $132 $1,741 $145
Grand Caravan SXT $430 $686 $442 $26 $132 $1,741 $145
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Dodge Grand Caravan insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $210 $298 $442 $26 $132 $1,108 $92
Grand Caravan SE $210 $298 $442 $26 $132 $1,108 $92
Grand Caravan Hero $210 $362 $442 $26 $132 $1,172 $98
Grand Caravan Crew $238 $362 $442 $26 $132 $1,200 $100
Grand Caravan SXT $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific San Jose garaging location which can increase or decrease premium rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $43 more each month or $516 for a full year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 21 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Can higher deductibles save money?

The information below illustrates how your deductible choice and can raise or lower Dodge Grand Caravan insurance rates for different insured age categories. The rates are based on a single female driver, comp and collision included, and no discounts are factored in.

Car insurance rates are higher with tickets and accidents

The chart below highlights how traffic violations and fender-benders drive up Dodge Grand Caravan premium costs for different categories of driver ages. The premiums are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Four factors that determine insurance costs

An important part of buying insurance is that you know the different types of things that help determine the price you pay for auto insurance. When you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower premium levels.

Shown below are most of the major factors that factor into rates.

Do you qualify for discounts?

Some companies do not list the complete list of policy discounts in a way that's easy to find, so the list below details a few of the more common as well as the least known ways to save on car insurance.Car insurance discounts

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you aren't that lucky.

Car insurance companies who might offer these benefits include:

When quoting, ask each insurance company how you can save money. All car insurance discounts might not be offered in every state. For a list of insurance companies that offer many of these discounts in San Jose, click here to view.

Should I have guidance from an insurance agent?

A small number of people just prefer to get professional advice from a licensed agent and that is recommended in a lot of cases A good thing about comparing car insurance online is that you can obtain lower rates and still have a local agent. Buying insurance from neighborhood insurance agencies is definitely important in San Jose.

By using this form (opens in new window), the coverage information gets sent to insurance agents in San Jose who will give you bids for your car insurance coverage. You won't need to search for an agent because quoted prices will be sent immediately to you. You can get cheaper car insurance rates without requiring a lot of work. If you wish to quote rates from a specific car insurance provider, don't hesitate to go to their quote page and fill out the quote form the provide.

When searching for a reputable agency, you must know there are a couple types of insurance agents and how they can quote your rates. San Jose agents can either be exclusive agents or independent agents.

Independent Car Insurance Agencies or Brokers

Independent agencies do not write with just one company and that is an advantage because they can write policies with any number of different companies and possibly get better coverage at lower prices. If you want to switch companies, the agent simply finds a different carrier and you don't have to switch agencies.

When comparing rate quotes, it's recommended you compare prices from several independent agencies to maximize your price options.

The following is a list of independent insurance agencies in San Jose that may be able to provide free car insurance rate quotes.

LNA Insurance Agency Inc
999 Story Rd - San Jose, CA 95122 - (408) 280-5815 - View Map

San Jose Insurance
2542 S Bascom Ave - Campbell, CA 95008 - (408) 371-3700 - View Map

All Coverage Insurance Agency
3033 Moorpark Ave #27 - San Jose, CA 95128 - (408) 244-9100 - View Map

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Exclusive Agencies

Agents that elect to be exclusive can only quote rates from one company such as AAA, Allstate, and State Farm. These agents are not able to provide other company's prices so they really need to provide good service. Exclusive agents are well schooled on their products and sales techniques which helps offset the inability to provide other markets.

Shown below are exclusive insurance agencies in San Jose that are able to give rate quotes.

3005 Silver Creek Rd #110 - San Jose, CA 95121 - (408) 270-3978 - View Map

3484 Stevens Creek Blvd Ste A - San Jose, CA 95117 - (408) 261-1623 - View Map

5589 Winfield Blvd #210 - San Jose, CA 95123 - (408) 268-8600 - View Map

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Picking the best car insurance agent is decision based upon more than just a cheap price quote. Below are some questions you should ask.

How much car insurance do I need?

When it comes to buying coverage, there really is no cookie cutter policy. Everyone's situation is unique and your policy should reflect that.Drive safe and save For example, these questions may help you determine whether or not you may require specific advice.

If you can't answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Compare rates regularly to save

We just presented a lot of information how to shop for Dodge Grand Caravan insurance online. It's most important to understand that the more times you quote, the better chance you'll have of finding affordable San Jose auto insurance quotes. You may even be surprised to find that the lowest car insurance rates come from a smaller regional carrier. They may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

Cheaper Dodge Grand Caravan insurance in San Jose is possible on the web and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not have rate quotes online and many times these smaller providers only sell coverage through independent agencies.

More detailed auto insurance information can be found at these sites: