Dodge Grand Caravan insurance cost image courtesy of QuoteInspector.com
Unbelievable but true, most consumers have bought auto insurance from the same company for a minimum of four years, and 38% of customers have never quoted rates to find affordable coverage. Drivers in Buffalo could save themselves roughly $840 a year by just shopping around, but they don't know the amount of savings they would get if they switch to a new company.
If your goal is the lowest price, then the best way to get discount Dodge Grand Caravan insurance is to compare prices annually from companies who provide car insurance in Buffalo.
- Try to understand how companies set rates and the changes you can make to prevent expensive coverage. Many rating criteria that increase rates such as your driving record and a poor credit rating can be eliminated by making minor changes in your lifestyle. Keep reading for the details to get affordable coverage and find discounts that you may qualify for.
- Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple insurance companies.
- Compare the quotes to the price on your current policy and see if there is a cheaper rate. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
A good tip to remember is to try to compare identical limits and deductibles on every quote and and to get price quotes from every insurance company. This helps ensure the most accurate price comparison and a good representation of prices.
Finding the cheapest auto insurance coverage in Buffalo can be made easier if you know where to look. Essentially each driver who carries auto insurance will more than likely be able to reduce their rates. But New York vehicle owners do need to learn how insurance companies sell online and take advantage of how the system works.
There are several ways to compare quotes from companies that offer insurance in New York. The fastest way to comparison shop is to use the internet to compare rates. When quoting insurance, remember that making a lot of price comparisons increases your odds of finding more affordable insurance. Not every company does online price quotes, so it's important to also get price quotes from them, too.
The companies in the list below offer price comparisons in New York. If you wish to find the best cheap car insurance in Buffalo, we suggest you visit several of them in order to find the most affordable rates.
Rates and other information
The data table shown next showcases detailed analysis of policy rates for Dodge Grand Caravan models. Learning how insurance prices are determined is important for drivers to make informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$186||$260||$272||$16||$82||$816||$68|
|Grand Caravan SE||$186||$260||$272||$16||$82||$816||$68|
|Grand Caravan Hero||$186||$318||$272||$16||$82||$874||$73|
|Grand Caravan Crew||$210||$318||$272||$16||$82||$898||$75|
|Grand Caravan SXT||$210||$318||$272||$16||$82||$898||$75|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can decrease or increase auto insurance rates significantly.
Auto insurance rates based on gender in Buffalo
The illustration below visualizes the comparison of Dodge Grand Caravan car insurance rates for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no discounts are applied to the premium.
Do you need full coverage?
The example below shows the difference between Dodge Grand Caravan auto insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied.
Should you pay for full coverage or liability only?
There is no definitive guideline for dropping physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let's assume your Dodge Grand Caravan replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $4,000 after you pay the deductible. If premium cost is more than $400 annually for full coverage, then you might want to think about dropping full coverage.
There are a few cases where dropping physical damage coverage is not advised. If you haven't satisfied your loan, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.
How much auto insurance do I need?
When choosing coverage online or from an agent for your vehicles, there is no cookie cutter policy. You are unique so your insurance needs to address that. For instance, these questions may help highlight whether or not you could use an agent's help.
- Is my teen driver covered when they drive my company car?
- What states are considered no-fault?
- When can my company non-renew my policy?
- Is my trailer covered?
- Does my Dodge Grand Caravan qualify for pleasure use?
- Are my friends covered when driving my car?
- Are rock-chip repairs free?
- Does car insurance cover theft of personal property?
- I have a DUI can I still get coverage?
If you can't answer these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.
Don't I need to get advice from a local insurance agent?
Certain consumers prefer to go talk to an agent and that can be a smart move One of the best bonuses of comparing rates online is you can get the best rates and still buy from a local agent.
To help locate an agent, after submitting this quick form, your coverage information is emailed to companies in Buffalo who will give competitive quotes to get your business. It makes it easy because there is no need to even leave your home because prices are sent directly to you. You can find lower rates and an insurance agent to talk to. In the event you want to get a comparison quote for a specific company, just navigate to their website and complete a quote there.
Finding the right company is decision based upon more than just the premium amount. Any agent in Buffalo should be forthright in answering these questions:
- Will you work with the agent or an assistant?
- Which companies can they place coverage with?
- Are they paid to recommend certain coverages?
- Do they offer accident forgiveness?
- Which family members are covered?
- Which insurance company do they prefer to write with?
- Are they able to provide referrals?
- Can you contact them at any time?
When searching for a reliable agent, it helps to know the two types of insurance agents that you can select. Agencies in Buffalo are classified as either exclusive agents or independent agents.
Exclusive Insurance Agencies
Agents that choose to be exclusive can only write with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to compare rates from other companies so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on sales techniques which helps them sell on service rather than price. Consumers sometimes purchase coverage from exclusives mostly because of the prominent brand name rather than having low rates.
The following is a list of exclusive insurance agents in Buffalo that can give you comparison quotes.
- Dan Schmidt - State Farm Insurance Agent
615 Elmwood Ave - Buffalo, NY 14222 - (716) 783-9460 - View Map
- Joe Czaja - State Farm Insurance Agent
1021 Union Rd - Buffalo, NY 14224 - (716) 674-3654 - View Map
- State Farm: Dan Hawrylczak
1335 Hertel Ave - Buffalo, NY 14216 - (716) 873-3771 - View Map
Agents that elect to be independent often have many company appointments so they can insure your vehicles with an assortment of companies and find you the best rates. To move your coverage to a new company, they simply switch companies in-house without you having to go to a different agency. When comparing insurance rates, we recommend you get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices. Most independent agents also contract with mutual insurance companies which may have better rates.
Listed below are independent insurance agencies in Buffalo who can help you get comparison quotes.
- Cannizzaro Insurance Agency, Inc
432 Amherst St - Buffalo, NY 14207 - (716) 235-8882 - View Map
- Clauss and Company Insurance Agency
735 Delaware Ave - Buffalo, NY 14209 - (716) 886-6600 - View Map
- Paul Wolf Agency Inc
2686 Elmwood Ave - Buffalo, NY 14217 - (716) 835-9653 - View Map