How many times have you said it’s time to compare low-cost Dodge Grand Caravan insurance in Houston? Are you overwhelmed by the dozens of insurance providers that you can choose from? Many other drivers are too. There are so many providers to choose from that it can quickly become a big hassle to compare prices on Dodge Grand Caravan insurance. Everyone knows that Houston is an awesome place to live, but getting gouged by high insurance rates can make it hard to buy full coverage.
Astonishing but true, the majority of drivers have remained with the same insurance company for at least the last four years, and almost 40% of drivers have never quoted rates to find affordable coverage. American insurance shoppers could cut their rates by 46.5% a year by just comparing rate quotes, but most just don’t grasp how much savings they would realize if they switched to a more affordable policy.
Quoting and comparing cheaper coverage in Houston is not that difficult. In a nutshell, every driver who is looking for a better price on auto insurance will more than likely find a cheaper policy. Nevertheless, Texas drivers must understand the way companies determine prices and use it to your advantage.
Companies offering cheap Dodge Grand Caravan prices in Houston, TX
The companies shown below have been selected to offer price quotes in Texas. If several companies are displayed, we suggest you click on several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $268 | $376 | $392 | $24 | $118 | $1,178 | $98 |
| Grand Caravan SE | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Grand Caravan Hero | $254 | $512 | $430 | $26 | $128 | $1,350 | $113 |
| Grand Caravan Crew | $228 | $384 | $514 | $30 | $154 | $1,310 | $109 |
| Grand Caravan SXT | $176 | $322 | $430 | $26 | $128 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Table data does not factor in garaging location in Houston which can revise premium rates significantly.
Comparison of policy deductibles
A question often asked by Houston drivers is how low should you set your deductibles. The premium rates below can help you visualize the differences in price of buying low and high physical damage coverage deductibles. The first data table uses a $100 deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Grand Caravan SE | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Grand Caravan Hero | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Grand Caravan Crew | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Grand Caravan SXT | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Grand Caravan SE | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Grand Caravan Hero | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Grand Caravan Crew | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Grand Caravan SXT | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in your specific Houston location which can increase or decrease coverage prices greatly.
We can derive from the above data that using a $100 deductible costs an average of $25 more each month or $300 each year than opting for the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 16 months between claim filings, you would probably be better off if you opt for a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $100 deductibles: | $120 |
| Average monthly premium for $500 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
Score discounts on Houston insurance
Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known and the harder-to-find savings tricks you should be using when you buy Houston auto insurance online.
- Telematics Discount – Drivers that enable their company to spy on vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
- Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Distant Student – Any of your kids who live away from home to go to college and do not have a car could qualify for this discount.
- Club Memberships – Participating in a professional or civic organization is a simple method to lower premiums on your bill.
- Mature Driver Discount – Drivers that qualify as senior citizens can get a slight reduction on a Houston auto insurance quote.
- Government Employee Discount – Active or retired federal employment could provide a small rate reduction with some insurance companies.
- Driver’s Education for Students – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
As is typical with insurance, some credits don’t apply to the entire cost. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears you could get a free insurance policy, that’s just not realistic.
A partial list of companies that may offer quotes with some of the discounts shown above are:
It’s a good idea to ask all the companies what discounts are available to you. All car insurance discounts might not be offered in Houston. To find insurance companies with the best discounts in Texas, click here.
How to Lower Your Insurance Rates
Multiple criteria are part of the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, but others are less obvious such as your credit history or your commute time. An important part of buying insurance is that you know the factors that aid in calculating your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that will entitle you to lower auto insurance prices.
Too many auto insurance claims will drive auto insurance rates up – If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Auto insurance companies in Texas give lower rates to people who are claim-free. Auto insurance is intended to be relied upon for larger claims.
Where do you drive? – The more miles you rack up on your Dodge in a year’s time the higher the price you pay to insure it. A lot of insurance companies calculate prices based on their usage. Vehicles used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. An improperly rated Grand Caravan may be costing you higher rates. It’s a good idea to make sure your declarations sheet reflects the proper vehicle usage, because improper ratings can cost you money.
Your job is a factor – Did you know your occupation can influence how much you pay for auto insurance? Occupations like lawyers, business owners and financial analysts tend to pay the highest average rates attributed to job stress and long work hours. On the flip side, jobs such as professors, athletes and the unemployed receive lower rates.
Rates impacted by your city – Residing in less populated areas can save you money when it comes to auto insurance. Residents of big cities have to deal with more traffic problems and longer commutes to work. Fewer people translates into fewer accidents.
Being married is a bonus – Walking down the aisle can get you a discount on auto insurance. Marriage is viewed as being more mature and insurance companies like that married couples file fewer claims.
Low deductibles can be expensive – Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket before your auto insurance pays a claim. Protection for physical damage, aka comp and collision, insures against damage to your car. Examples of some claims that would be covered are collision with another vehicle, hail damage, and having a roll-over accident. The higher the amount you choose to pay out-of-pocket, the better rate you will receive.
Good credit equals lower prices – Having a good credit rating can be an important factor in determining your rates. If your credit rating can use some improvement, you may save money insuring your Dodge Grand Caravan by repairing your credit. People that have good credit tend to be better risks to insure than drivers who have worse credit.
Pay more for higher performance vehicles – The make and model of the vehicle you are insuring makes a huge difference in the rate you pay. The lowest base rates are generally reserved for smaller low performance passenger vehicles, but there are many factors that impact the final cost. Since the Dodge Grand Caravan is a van and minivan, insuring your vehicle will cost similar in price as compared to the average rate in Houston.
Loss statistics for a Dodge Grand Caravan – Insurance companies study historical loss data when they calculate premium prices for each model. Vehicles that the data determines to have high amounts or severity of claims will have higher rates.
The data below shows the loss history for Dodge Grand Caravan vehicles. For each coverage category, the loss probability for all vehicles, without regard to make or model, equals 100. Percentage values below 100 suggest a better than average loss history, while percentages above 100 indicate more frequent losses or a tendency for claims to be larger.
Dodge Grand Caravan Insurance Loss Statistics
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Dodge Grand Caravan | 79 | 104 | 81 | 108 | 108 | 107 |
Statistics from IIHS.org for 2013-2015 Model Years
Insurance agents are trained to help
Some people would prefer to talk to an insurance agent and that is a smart decision The best thing about getting online price quotes is that drivers can save money and get lower rates but still work with a licensed agent. Buying insurance from local agencies is definitely important in Houston.
Upon completion of this form (opens in new window), your coverage information is emailed to local insurance agents in Houston who will give you bids for your insurance coverage. It makes it easy because there is no need to search for an agent because prices are sent to you instantly. You can most likely find cheaper rates without having to waste a lot of time. If you wish to quote rates from a specific company, feel free to navigate to their website and fill out the quote form the provide.
How to choose the best auto insurance agent in Houston
If you want a reliable agent, you should know the types of insurance agents and how they operate. Agents in Houston are categorized either independent agents or exclusive agents depending on their employer.
Independent Agents (or Brokers)
Independent agencies often have many company appointments and that allows them to write policies with lots of companies and help determine which has the cheapest rates. If your agent finds better pricing, your agent can just switch to a different company which is easy for the insured. If you need lower rates, it’s recommended you contact a couple of independent agencies to ensure the widest selection of prices. Most have the option of insuring with small regional insurance companies who may have lower rates.
The following are independent agencies in Houston who may be able to give you comparison quotes.
- Dean and Draper Insurance Agency, LP
3131 W Alabama St #150 – Houston, TX 77098 – (713) 527-0444 – View Map - Baxter Insurance Agency, Inc.
450 North Sam Houston Pkwy E #103 – Houston, TX 77060 – (281) 445-1381 – View Map - Hispano’s Insurance Agency
5420 Chimney Rock Rd – Houston, TX 77081 – (832) 778-8600 – View Map
Exclusive Car Insurance Agencies
Agents that elect to be exclusive can only place business with one company such as Farmers Insurance, Allstate, or State Farm. They are unable to shop your coverage around so they really need to provide good service. Exclusive agents are trained well on what they offer which helps them sell on service rather than price. Some consumers prefer to choose to use an exclusive agent primarily because of the brand legacy rather than having the cheapest rates.
Shown below is a list of exclusive agencies in Houston who can help you get rate quotes.
- Ricky Maique – State Farm Insurance Agent
8811 Westheimer Rd #205 – Houston, TX 77063 – (713) 781-6132 – View Map - Brandon Herndon – State Farm Insurance Agent
10103 Fondren Rd #150 – Houston, TX 77096 – (832) 431-4222 – View Map - Armando Valdez – State Farm Insurance Agent
12941 North Fwy #608 – Houston, TX 77060 – (281) 537-7890 – View Map
Finding the right insurance agency should depend on more than just the quoted price. Agents should be asked these questions:
- Where would glass claims be handled in Houston?
- What company holds the largest book of business for them?
- Is the agency covered by Errors and Omissions coverage?
- What is their Better Business Bureau rating?
- How would your car be valued if totalled?
- Are there any discounts that you might be missing?
Affordable insurance rates are out there
Discount Dodge Grand Caravan insurance in Houston can be bought online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and most of the time these regional carriers sell through independent insurance agencies.
You just learned many ideas to shop for Dodge Grand Caravan insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting affordable Houston auto insurance quotes. You may even be surprised to find that the best price on insurance is with a small mutual company.
People leave their current company for a number of reasons such as an unsatisfactory settlement offer, policy non-renewal, being labeled a high risk driver and even poor customer service. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.
More tips and info about insurance is located at these sites:
- Insurance Losses by Make and Model (iihs.org)
- Who Has the Cheapest Houston Auto Insurance Quotes for a Dodge Ram? (FAQ)
- How Much are Houston Auto Insurance Rates for a Hyundai Sonata? (FAQ)
- How Much is Houston Auto Insurance for Drivers Over Age 60? (FAQ)
- How Much are Auto Insurance Quotes for High Risk Drivers in Houston? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Over Age 50 in Houston? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Safety Features for Your New Car (State Farm)
- Property Damage Coverage (Liberty Mutual)