If you want to save money, the best way to get cheaper auto insurance rates is to compare quotes once a year from companies who provide car insurance in Raleigh.
- First, get a basic knowledge of how companies set rates and the modifications you can make to keep rates in check. Many things that cause rate increases like accidents, careless driving, and a poor credit score can be improved by making small lifestyle or driving habit changes. Read the full article for the details to get better rates and get discounts that may be overlooked.
- Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while independent agents can provide prices from multiple sources.
- Third, compare the price quotes to your existing coverage to see if cheaper Grand Caravan coverage is available in Raleigh. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
One bit of advice is to use similar coverage information on each quote and to quote with as many different companies as possible. Doing this provides a level playing field and many rates to choose from.
Unbelievable but true, most auto insurance buyers in North Carolina kept buying from the same company for at least the last four years, and 38% of drivers have never quoted rates to find lower-cost coverage. Many drivers in America could save about $860 every year just by comparing rates, but they just feel it’s too hard to find lower-cost auto insurance rates.
If you have coverage now or are looking for a new policy, use these tips to reduce premiums without having to cut coverage. Locating affordable protection in Raleigh is not that difficult. Comparison shoppers only have to learn the most time-saving way to get comparison rates online from multiple companies.
Companies offering low-cost Dodge Grand Caravan prices in Raleigh, NC
The providers in the list below provide price comparisons in Raleigh, NC. To find cheaper car insurance in North Carolina, we suggest you compare several of them to get the best price comparison.
Data for Dodge Grand Caravan insurance
The rate information below highlights a range of insurance premium costs for Dodge Grand Caravan models. Understanding how insurance prices are figured can assist in making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $206 | $360 | $324 | $20 | $96 | $1,006 | $84 |
| Grand Caravan SE | $206 | $360 | $324 | $20 | $96 | $1,006 | $84 |
| Grand Caravan Hero | $206 | $438 | $324 | $20 | $96 | $1,084 | $90 |
| Grand Caravan Crew | $232 | $438 | $324 | $20 | $96 | $1,110 | $93 |
| Grand Caravan SXT | $232 | $438 | $324 | $20 | $96 | $1,110 | $93 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in specific location information which can decrease or increase coverage rates significantly.
Physical damage deductible comparison
One frequently asked question is where to set your physical damage deductibles. The rates below approximate the differences in price when you buy lower versus higher physical damage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $192 | $266 | $250 | $14 | $74 | $821 | $68 |
| Grand Caravan SE | $192 | $266 | $250 | $14 | $74 | $821 | $68 |
| Grand Caravan Hero | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Grand Caravan Crew | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| Grand Caravan SXT | $218 | $324 | $250 | $14 | $74 | $905 | $75 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| Grand Caravan SE | $118 | $168 | $250 | $14 | $74 | $624 | $52 |
| Grand Caravan Hero | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Grand Caravan Crew | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| Grand Caravan SXT | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in vehicle garaging location which can lower or raise price quotes considerably.
Based on this data, using a $250 deductible would cost the average driver about $18 more each month or $216 every year than choosing the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 42 months between claim filings, you would save money if you choose the higher deductible. The illustration below shows how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $72 |
| Average monthly premium for $1,000 deductibles (subtract): | – $54 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 42 months |
One big caveat is that raising deductibles to get cheaper rates means you pay more out-of-pocket if you have a claim. It will be required that you have enough money stashed away in the event you need to pay the higher deductible.
Lower Your Raleigh Insurance Rates
Many factors are considered when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are more obscure such as whether you are married or your commute time.
Is car insurance cheaper for males or females? – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that females are better at driving than males. They both are responsible for auto accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also have more aggressive citations such as DWI and reckless driving. Teenage male drivers generally have the highest accident percentage so they pay the highest premiums.
The information below compares Dodge Grand Caravan annual premium costs for male and female drivers. The premiums assume no accidents or driving violations, comp and collision included, $500 deductibles, single marital status, and no policy discounts are applied.
Liability insurance limits should be high – The liability section of your policy will provide protection if you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not cut corners here.
Drive a safer car and pay less – Safe vehicles are cheaper to insure. Safe vehicles protect occupants better and fewer serious injuries means lower claim amounts which can mean better rates for you.
Better prices for being claim-free – Companies in North Carolina award the best rates to policyholders who are not frequent claim filers. If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of larger claims.
Your age impacts your rates – Inexperience drivers are statistically proven to be more careless when driving with friends so they pay higher insurance rates. Mature drivers are more cautious drivers, cause fewer claims and accidents, and usually have better credit.
The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
Deter car thieves – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder vehicle theft.
Rates may be lower depending on your occupation – Did you know your job can affect your rates? Careers like real estate brokers, social workers, and stock brokers usually pay higher premiums than the average policyholder in part from intense work situations and extremely grueling work hours. On the other hand, professions such as actors, historians and the unemployed pay lower than average rates.
Always keep your insurance policy in force – Driving with no insurance is a big no-no and as a result your rates will increase for letting your coverage have a gap. In addition to paying higher premiums, getting caught without coverage can result in a license revocation or jail time. You may then have to prove you have insurance by filing a SR-22 with the North Carolina DMV.
Dodge Grand Caravan historical loss data – Companies analyze claim trends for every vehicle in order to profitably underwrite each model. Models that tend to have increased losses will have higher rates. The next table illustrates the insurance loss data used by companies for Dodge Grand Caravan vehicles.
For each policy coverage, the loss probability for all vehicles as a whole is considered to be 100. Values that are 100 or less represent a good loss history, while numbers above 100 indicate higher probability of having a loss or statistically larger losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Dodge Grand Caravan | 79 | 104 | 81 | 108 | 108 | 107 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Do you qualify for discounts on Dodge Grand Caravan insurance in Raleigh?
Some companies don’t always advertise the entire discount list very well, so we took the time to find both the well known and also the lesser-known credits available to lower your premiums when you buy Raleigh auto insurance online.
- No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a set time period.
- Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of more than 20%.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off PIP or medical payments premium.
- Safe Driver Discounts – Drivers who don’t get into accidents can save as much as half off their rates compared to accident prone drivers.
- Data Collection Discounts – Drivers who elect to allow driving data submission to study driving patterns by using a small device installed in their vehicle such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
- ABS Braking Discount – Cars with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
- Service Members Pay Less – Having a deployed family member can result in better rates.
- Raleigh Homeowners Discount – Just owning your own home can get you a discount because owning a home is proof that your finances are in order.
Discounts lower rates, but many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The illustration below shows the difference between Dodge Grand Caravan insurance prices with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims, a clean driving record, North Carolina state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, multi-car, safe-driver, and multi-policy discounts applied.
A list of companies and some of the discounts are detailed below.
- 21st Century may have discounts that include student driver, good student, defensive driver, teen driver, homeowners, and theft prevention.
- State Farm discounts include safe vehicle, multiple autos, driver’s education, defensive driving training, and anti-theft.
- AAA offers discounts including good driver, education and occupation, good student, multi-car, pay-in-full, AAA membership discount, and multi-policy.
- Liberty Mutual includes discounts for new move discount, safety features, multi-policy, hybrid vehicle, and newly married.
- Progressive has savings for online quote discount, multi-policy, multi-vehicle, online signing, homeowner, continuous coverage, and good student.
Before buying, ask each company or agent which discounts can lower your rates. Savings may not be offered in your area.
Car insurance is available from agents near you
Many people would prefer to sit down with an agent and often times that is recommended Agents can help you build your policy and help file insurance claims. A good thing about getting free rate quotes online is the fact that drivers can get lower rates and also buy local. Buying from and supporting neighborhood insurance agencies is definitely important in Raleigh.
By using this short form, your information gets sent to insurance agents in Raleigh that provide free Raleigh auto insurance quotes for your car insurance coverage. You don’t have to contact any insurance agencies since rate quotes are delivered to the email address you provide. If you want to compare rates from a specific insurance company, you just need to navigate to their website to submit a rate quote request.
When looking for local Raleigh agents, you should know the different types of agencies and how they differ in how they quote coverages. Car insurance policy providers can be described as either exclusive agents or independent agents. Either can handle car insurance, but it’s good to learn the differences because it can influence the kind of agent you use.
Independent Car Insurance Agencies or Brokers
Independent agents do not work for one specific company and that gives them the ability to insure with lots of companies and find you the best rates. If you want to switch companies, they simply move your policy to a different company and you can keep the same agent.
When comparing car insurance prices, you definitely need to contact at a minimum one independent agency in order to compare the most rates. Most independent agents also contract with companies you’ve never heard of which can save you money.
Listed below is a short list of independent agencies in Raleigh that may be able to give competitive price quotes.
- IGO Insurance Agency Inc.
8117 Ebenezer Church Rd – Raleigh, NC 27612 – (919) 782-1560 – View Map - Matt Roberts Agency, Inc.
1151 Falls River Avenue, Suite 105-A – Raleigh, NC 27614 – (919) 845-2999 – View Map - Independent Insurance Agents of North Carolina Inc
101 Weston Oaks Ct – Cary, NC 27513 – (919) 828-4371 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive can only place business with one company and some examples include Allstate and State Farm. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training in insurance sales which helps offset the inability to provide other markets. Consumers sometimes use the same exclusive agent mainly due to the brand legacy and the convenience of having all coverages with one company.
The following is a list of exclusive agents in Raleigh who can help you get rate quotes.
- State Farm: Jerome Murray
8410 Louisburg Rd #100 – Raleigh, NC 27616 – (919) 266-9371 – View Map - State Farm: Lisa Davis
8201 Rowlock Way Suite 112 – Raleigh, NC 27613 – (919) 782-3333 – View Map - Spurling Cook – State Farm Insurance Agent
7501 Creedmoor Rd #114 – Raleigh, NC 27613 – (919) 676-2502 – View Map
Picking the best auto insurance agent requires more thought than just a cheap price quote. Here are some questions you might want to ask.
- What insurance companies do they work with in Raleigh?
- Where are claims handled?
- Do they reduce claim amounts on high mileage vehicles?
- Will you get a loaner vehicle if you car is being repaired?
- Which members of your family are coverage by the policy?
- How much training do they have in personal risk management?
Upon receiving answers to your satisfaction as well as an affordable premium quote, chances are good that you have found a car insurance agent that can be trusted to service your policy. But keep in mind you are able to cancel a policy at any time so don’t think you’re contractually obligated to a specific agent for the entire policy term.
Insurance can be complex
When choosing the right insurance coverage for your vehicles, there really isn’t a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.
- Does medical payments coverage apply to all occupants?
- Do I have ACV or replacement cost coverage?
- What is motorclub and do I need it?
- Am I covered when driving a rental car?
- Is my Dodge Grand Caravan covered for flood damage?
- What is glass protection for?
- Should I pay a claim out-of-pocket?
- Is my cargo covered for damage or theft?
- Which is better, split liability limits or combined limits?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.
Cheap insurance rates are out there
When shopping online for insurance, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best cost while not skimping on critical coverages.
There are still a few companies who may not have online rate quotes and most of the time these regional insurance providers sell through independent insurance agencies. Cheaper Dodge Grand Caravan insurance in Raleigh is possible on the web in addition to many Raleigh insurance agents, so you should be comparing quotes from both to get a complete price analysis.
More information can be found on the following sites:
- Eight Auto Insurance Myths (Insurance Information Institute)
- What Car Insurance is Cheapest for a Toyota 4Runner in Raleigh? (FAQ)
- Who Has the Cheapest Raleigh Auto Insurance Quotes for 16 Year Olds? (FAQ)
- Who Has Cheap Raleigh Car Insurance Quotes for a Toyota Camry? (FAQ)
- How Much is Car Insurance for Felons in Raleigh? (FAQ)
- Who Has the Cheapest Raleigh Auto Insurance Rates for Low Income Drivers? (FAQ)
- Who Has Cheap Auto Insurance for Single Moms in Raleigh? (FAQ)
- What Car Insurance is Cheapest for a Toyota Tundra in Raleigh? (FAQ)
- Red Light Cameras (State Farm)
- Side Impact Crash Tests (iihs.org)
- Airbag FAQ (iihs.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)