Save Money on Dodge Grand Caravan Insurance in Omaha

Insurance rates Dodge Grand Caravan in OmahaIt’s well known that auto insurance companies want to keep you from comparing rates. Insureds who rate shop once a year will probably switch insurance companies because there are good odds of finding a policy with more affordable rates. Remarkably, a study showed that consumers who compared price quotes annually saved over $3,500 over four years compared to people who never compared rates.

If finding discount rates on Dodge Grand Caravan insurance is your ultimate goal, then having an understanding of how to shop for insurance rates can save time, money, and frustration.

To save the most money, the best way to get budget car insurance rates in Omaha is to start comparing prices regularly from insurance carriers in Nebraska.

One key aspect of rate comparisons is that you’ll want to compare the same physical damage deductibles and liability limits on each quote request and and to get price quotes from as many companies as feasibly possible. This provides a fair price comparison and the best price quote selection.

If you’re already insured or just want to reduce your rates, you can follow these tips to get lower rates without reducing coverage. Locating the best rates in Omaha can be made easier if you know where to look. Vehicle owners just have to understand the proper methods to compare price quotes from multiple carriers.

Take advantage of these discounts

Car insurance is not cheap, but companies offer discounts that you may not even be aware of. Many discounts should be triggered when you purchase, but a few must be manually applied prior to getting the savings.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will definitely reduce the cost of your policy.

The illustration below illustrates the difference between Dodge Grand Caravan annual premium costs with and without discounts applied to the policy premium. The data assumes a male driver, no claims or driving citations, Nebraska state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-policy, safe-driver, and multi-car discounts applied.

To locate insurers who offer online Dodge Grand Caravan insurance quotes in Nebraska, click here.

The best way we recommend to compare car insurance rates for Dodge Grand Caravan insurance in Omaha is to know the fact car insurance companies have advanced systems to give you rate quotes. To get started, all you need to do is give them rating details such as how much coverage you want, how you use your vehicles, the make and model of your vehicles, and if you went to college. Those rating factors gets transmitted to multiple different insurance companies and you should receive rate quotes almost instantly.

To start a rate quote now, click here and enter your coverage details.

The companies shown below have been selected to offer quotes in Omaha, NE. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Data for Dodge Grand Caravan insurance

The rate table displayed next outlines estimates of rate quotes for Dodge Grand Caravan models. Learning as much as possible about how policy premiums are calculated can benefit drivers when making smart choices when buying a policy.

Dodge Grand Caravan Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $214 $258 $392 $24 $118 $1,006 $84
Grand Caravan SE $214 $258 $392 $24 $118 $1,006 $84
Grand Caravan Hero $214 $314 $392 $24 $118 $1,062 $89
Grand Caravan Crew $242 $314 $392 $24 $118 $1,090 $91
Grand Caravan SXT $242 $314 $392 $24 $118 $1,090 $91
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in Omaha location which can influence coverage rates considerably.

Where to set your deductibles

When shopping for insurance, a common question is which comprehensive and collision deductibles to buy. The comparison tables below approximate how much more you’ll pay of buying low and high coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Dodge Grand Caravan insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $232 $320 $300 $18 $90 $985 $82
Grand Caravan SE $232 $320 $300 $18 $90 $985 $82
Grand Caravan Hero $232 $390 $300 $18 $90 $1,055 $88
Grand Caravan Crew $262 $390 $300 $18 $90 $1,085 $90
Grand Caravan SXT $262 $390 $300 $18 $90 $1,085 $90
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Dodge Grand Caravan insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $188 $258 $300 $18 $90 $854 $71
Grand Caravan SE $188 $258 $300 $18 $90 $854 $71
Grand Caravan Hero $188 $314 $300 $18 $90 $910 $76
Grand Caravan Crew $212 $314 $300 $18 $90 $934 $78
Grand Caravan SXT $212 $314 $300 $18 $90 $934 $78
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in garaging location in Omaha which can affect rates considerably.

Based on the above data, using a $250 deductible would cost the average driver about $11 more each month or $132 annually than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 23 months between claim filings, you would save money if you elect the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $86
Average monthly premium for $500 deductibles (subtract): – $75
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One big caveat is that a higher deductible results in a higher out-of-pocket expense when you have a comprehensive or collision claim. You need to have some extra savings in the event you have to pay the higher deductible.

Reckless driving habits raise Omaha insurance rates

The information below highlights how traffic violations and accident claims can impact Dodge Grand Caravan annual premium costs for different age groups. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Males versus Females

The information below shows the difference between Dodge Grand Caravan insurance rates for male and female drivers. The costs are based on no accidents, no driving violations, full coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

How much more does full coverage cost?

The illustration below compares Dodge Grand Caravan annual premium costs with full physical damage coverage and with liability coverage only. The premiums assume a clean driving record, no claims, $1,000 deductibles, single marital status, and no discounts are factored in.

Are you wasting money on full coverage?

There is no set rule to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Dodge Grand Caravan replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If premium cost is more than $800 a year to have full coverage, then you may need to consider dropping full coverage.

There are a few situations where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Smart Choices Result in Lower Insurance Premiums

It’s important that you understand the rating factors that come into play when calculating your auto insurance rates. If you have a feel for what determines premiums, this allows you to make educated decisions that could result in big savings. Many different elements are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving history, although some other factors are not as apparent such as whether you are married or how financially stable you are.

The following are some of the items that factor into rates.

Your occupation may affect premiums – Do you have a high-stress occupation? Occupational choices like real estate brokers, police officers, and miners usually pay the highest rates due to high stress levels and long work days. On the other hand, occupations such as actors, athletes and the unemployed receive lower rates.

Experienced drivers are lower risk – Teen drivers in Nebraska are proven to be easily distracted when behind the wheel therefore auto insurance rates are much higher. Older drivers are more cautious drivers, file fewer claims, and receive fewer citations.

The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Responsible credit saves on auto insurance – Having a bad credit score is a big factor in determining your rates. Therefore, if your credit rating can use some improvement, you could be paying less to insure your Dodge Grand Caravan by spending a little time repairing your credit. Insureds with excellent credit tend to be better risks to insure than drivers who have lower credit scores.

Alarms and GPS tracking systems cut auto insurance rates – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft and help lower rates.

Don’t cut corners with liability coverage – The liability coverage on your policy is the coverage that protects you if ever you are ruled to be at fault for damages caused by your negligence. It provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

What are your coverage deductibles? – Comp and collision deductibles represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, animal collisions, and damage from wind. The larger the amount the insured has to pay upfront, the lower your rates will be.

Insurance loss data for a Dodge Grand Caravan – Companies analyze past claim statistics when they calculate premium rates for each model. Models that tend to have a higher amount or frequency of claims will cost more to insure.

The table below demonstrates the historical insurance loss data for Dodge Grand Caravan vehicles. For each coverage type, the claim amount for all vehicles, as an average, equals 100. Percentage numbers below 100 suggest a better than average loss history, while numbers above 100 indicate frequent claims or tendency to have higher losses.

Dodge Grand Caravan Insurance Loss Statistics
Specific Dodge Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Dodge Grand Caravan 79 104 81 108 108 107

Statistics from for 2013-2015 Model Years

Local Omaha insurance agencies

Some people still prefer to buy from a local agent and doing that can be a smart decision Professional insurance agents can point out coverage gaps and give you someone to call. A good thing about price shopping on the web is you may find cheap rate quotes and still choose a local agent.

By using this short form, your insurance data gets sent to local insurance agents who can give free rate quotes and help you find cheaper coverage. You never need to even leave your home as quotes are delivered to the email address you provide. In the event you want to compare rates from a specific insurance company, don’t hesitate to search and find their rate quote page and submit a quote form there.

Deciding on an company should depend on more than just a cheap price quote. Get answers to these questions too.

Choose an insurance agent wisely

If you would like to find a local agent, you should know the different agency structures that you can select. Insurance policy providers are classified as either independent or exclusive depending on the company they work for. Either type can insure your vehicles properly, but it’s worth learning the subtle differences because it can impact which agent you choose.

Exclusive Agencies

Agents that elect to be exclusive can only provide pricing for a single company and examples are AAA, Allstate, and State Farm. Exclusive agencies are unable to give you multiple price quotes so you might not find the best rates. Exclusive agents are well trained on sales techniques and that can be a competitive advantage.

Below are Omaha exclusive agencies that can give you comparison quotes.

1411 N 72nd StOmaha, NE 68114(402) 551-3455View Map

3125 N 120th StOmaha, NE 68164(402) 934-4141View Map

4601 S 50th St Ste 306Omaha, NE 68117(402) 614-5004View Map

More Omaha agents

Independent Insurance Agents

Agents in the independent channel can quote rates with many companies so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. To move your coverage to a new company, they simply switch companies in-house and you don’t have to do anything.

If you need cheaper insurance rates, you definitely need to get several quotes from several independent insurance agents to have the best price comparison.

The following are independent agents in Omaha that can give you price quotes.

2214 N 90th PlazaOmaha, NE 68134(402) 392-1930View Map

2816 N 24th StOmaha, NE 68110(402) 779-8999View Map

BW Insurance Agency, Inc.
13906 Gold Cir # 103Omaha, NE 68144(402) 918-0102View Map

More Omaha agents

Three reasons to insure your vehicle

Despite the potentially high cost of Dodge Grand Caravan insurance, auto insurance may be mandatory for several reasons.

The benefits of having auto insurance more than offset the price you pay, particularly for liability claims. But the average driver in Nebraska overpays as much as $810 a year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.

Best car insurance in Nebraska

Ending up with the right auto insurance provider is hard considering how many companies sell insurance in Nebraska. The ranking data below can help you pick which providers to look at purchasing coverage from.

Best Car Insurance Companies in Omaha
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

The lowest rates come from being thorough

When shopping online for auto insurance, don’t be tempted to reduce coverage to reduce premium. In many cases, someone dropped uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best possible price.

We just presented a lot of ways to save on Dodge Grand Caravan insurance in Omaha. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper Omaha auto insurance quotes. Consumers could even find that the best price on auto insurance is with a lesser-known regional company. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

Cheaper Dodge Grand Caravan insurance in Omaha is possible on the web and also from your neighborhood Omaha agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not offer price quotes online and usually these small insurance companies provide coverage only through independent agents.

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