Getting budget San Francisco Dodge Grand Caravan insurance quotes online may seem to be overwhelming for consumers who are new to comparing prices on the web. With so many online companies available, how can San Francisco drivers have the ability to compare every possible option in order to find the cheapest available price?
How to find cheaper Dodge Grand Caravan insurance in San Francisco
If you want to save money, the best way to get the cheapest Dodge Grand Caravan insurance is to start comparing prices regularly from insurers in San Francisco. Price quotes can be compared by following these steps.
First, gain an understanding of the coverage provided by your policy and the changes you can make to keep rates down. Many things that cause rate increases like multiple speeding tickets and a low credit score can be controlled by improving your driving habits or financial responsibility. This article provides more ideas to help keep prices low and find more discounts that you may not know about.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while independent agents can provide price quotes for many different companies. View insurance agents
Third, compare the new quotes to the price on your current policy and determine if cheaper Grand Caravan coverage is available. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is to try to use similar coverage information on each quote request and and to get price estimates from as many different companies as possible. Doing this helps ensure an accurate price comparison and plenty of rates choose from.
Astonishing but true according to a recent study, the majority of drivers kept buying from the same company for more than four years, and roughly 40% of drivers have never compared rates with other companies. Drivers in California could pocket roughly 35% a year by just shopping around, but they don’t believe the amount of savings they would get if they switched to a cheaper policy.
It’s important to get comparison quotes periodically because auto insurance rates are variable and change quite frequently. Despite the fact that you may have had the best deal on Dodge Grand Caravan insurance in San Francisco on your last policy there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the best way to find better coverage on Dodge Grand Caravan insurance in San Francisco at a better price.
Locating the best insurance company for you in San Francisco is really quite simple as long as you have a good starting point. In a nutshell, each driver who needs cheaper insurance will more than likely buy a cheaper policy. But California vehicle owners do need to learn how companies market on the web and use it to find better rates.
Cheapest companies for Dodge Grand Caravan insurance in California
The companies shown below have been selected to offer price comparisons in San Francisco, CA. If multiple companies are shown, it’s highly recommended you visit two to three different companies to get the cheapest price.
Coverage analysis
The coverage table displayed below outlines different coverage costs for Dodge Grand Caravan models. Being aware of how car insurance prices are determined is important for you to make decisions on which insurance to purchase.
| 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, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in garaging location in San Francisco which can influence premiums greatly.
Where to set your deductibles
One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The following tables outline the differences in price of buying low and high comp and collision deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Grand Caravan SE | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Grand Caravan Hero | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Grand Caravan Crew | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Grand Caravan SXT | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can impact coverage prices considerably.
Using the premium rates above, we can conclude that using a $250 deductible will cost you about $31 more each month or $372 a year across all Dodge Grand Caravan models than quoting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 24 months between claims, you would save money if you elect the higher deductible. The illustration below shows a better example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $127 |
| Average monthly premium for $1,000 deductibles (subtract): | – $96 |
| Monthly savings from raising deductible: | $31 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $31 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
One thing to be aware of is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself at claim time. You need some savings in the bank in the event you need to pay the higher deductible in order to repair your vehicle.
The chart below illustrates how choosing a deductible and can affect Dodge Grand Caravan insurance prices for each different age group. The prices are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
How much more does full coverage cost?
The diagram below visualizes the comparison of Dodge Grand Caravan premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no set guideline of when to stop paying for full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Dodge Grand Caravan claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $4,000 after paying the physical damage deductible. If premium cost is more than $400 a year for your policy with full coverage, then it might be time to buy liability only.
There are some situations where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not buy liability only.
Get cheaper Dodge Grand Caravan insurance rates in San Francisco
Companies that sell car insurance do not advertise all available discounts in a way that’s easy to find, so here is a list both the well known and also the lesser-known auto insurance savings. If they aren’t giving you every credit available, you could be getting lower rates.
- Responsible Driver Discount – Drivers who avoid accidents may save up to 50% more compared to accident prone drivers.
- Discount for Home Ownership – Owning a home in San Francisco can save a few bucks since home ownership means you have a higher level of financial diligence.
- Clubs and Organizations – Participating in a qualifying organization can get you a small discount on your next renewal.
- 55 and Retired – If you qualify as a senior citizen, you are able to get reduced rates.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts could see savings up to 30%.
It’s important to understand that most of the big mark downs will not be given to the whole policy. Most cut individual premiums such as medical payments or collision. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.
The example below shows the comparison of Dodge Grand Caravan car insurance costs with and without discounts applied to the rates. The costs are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-car, and multi-policy discounts applied.
A few popular companies and a selection of discounts are included below.
- Mercury Insurance may include discounts for ease of repair, multi-policy, annual mileage, good student, anti-theft, professional/association, and accident-free.
- Farmers Insurance offers discounts for early shopping, teen driver, switch companies, business and professional, electronic funds transfer, and pay in full.
- Farm Bureau may have discounts that include renewal discount, youthful driver, good student, driver training, 55 and retired, multi-vehicle, and multi-policy.
- State Farm offers discounts including driver’s education, multiple autos, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, student away at school, and passive restraint.
- Allstate offers premium reductions for good student, farm vehicle, EZ pay plan discount, new car, early signing, economy car, and anti-lock brakes.
- GEICO policyholders can earn discounts including five-year accident-free, anti-lock brakes, military active duty, emergency military deployment, anti-theft, and air bags.
When quoting, ask all companies you are considering the best way to save money. All car insurance discounts might not be offered in every state. To locate companies offering auto insurance discounts in California, click this link.
Do I need an insurance agency?
A small number of people would rather go talk to an agent. The biggest benefit of comparing rate quotes online is that drivers can save money and get better rates and still have a local agent.
After filling out this form (opens in new window), your coverage information is transmitted to local insurance agents who will give competitive quotes for your coverage. There is no reason to search for any insurance agencies as quotes are delivered directly to you. You’ll get the best rates and work with a local agent. In the event you want to compare rates from a specific insurance company, you would need to find their quoting web page and fill out their quote form.
Deciding on an company is decision based upon more than just a cheap quote. Agents should be asked these questions:
- Are they in the agency full-time?
- Do they specialize in personal lines auto insurance in San Francisco?
- If you have an accident, will your rates go up?
- Are they giving you every discount you deserve?
- Will a damage claim use OEM or aftermarket replacement parts?
- What are their preferred companies if they are an independent agency?
- What is their Better Business Bureau rating?
If you need to find a local agent, it helps to know the two different types of agencies and how they are slightly different. Agencies in San Francisco are either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
These type of agents generally can only insure with one company and examples are Allstate and State Farm. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently buy from exclusive agents partially due to the prominence of the brand and solid financial strength.
The following is a short list of exclusive agencies in San Francisco who may provide you with rate quotes.
- Jake Ng – State Farm Insurance Agent
1643 Noriega St – San Francisco, CA 94122 – (415) 564-0333 – View Map - Joshin Bruguera – State Farm Insurance Agent
399 Cortland Ave – San Francisco, CA 94110 – (415) 821-3600 – View Map - Walter Li – State Farm Insurance Agent
1329 Chestnut St – San Francisco, CA 94123 – (415) 346-1000 – View Map
Independent Insurance Agents
These agents are not employed by any specific company and that gives them the ability to insure with many different companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house which requires no work on your part. If you need lower rates, you will definitely want to get quotes from several independent agencies in order to compare the most rates. Most independent agents also contract with smaller companies which can save you money.
Shown below are independent agents in San Francisco who can help you get price quotes.
- Riskguard Insurance Solutions
422 Presidio Ave – San Francisco, CA 94115 – (415) 447-4212 – View Map - Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map - Nationwide Insurance: Nathan Douglas Gleason Agency
101 California St #2710 – San Francisco, CA 94111 – (415) 870-6999 – View Map
Quote more and you will save more
Drivers switch companies for a number of reasons such as not issuing a premium refund, delays in paying claims, high rates after DUI convictions or even delays in responding to claim requests. Regardless of your reason for switching companies, finding the right insurance provider is less work than it seems.
We’ve covered many tips how you can lower your Dodge Grand Caravan insurance premium rates in San Francisco. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising.
Some insurance companies may not offer online price quotes and these smaller companies only sell through local independent agencies. Cheaper insurance in San Francisco can be bought both online as well as from independent agents in San Francisco, so you should compare both to get a complete price analysis.
How to find cheaper rates for Dodge Grand Caravan insurance in San Francisco
It takes a few minutes, but the best way to get the cheapest auto insurance rates in San Francisco is to compare prices annually from different companies who sell insurance in California. Rate comparisons can be done by following these guidelines.
- Step 1: Gain an understanding of how companies set rates and the measures you can take to prevent high rates. Many factors that are responsible for high rates such as accidents, traffic violations, and a bad credit rating can be eliminated by making lifestyle changes or driving safer.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can quote rates for a wide range of companies. View insurance agents
- Step 3: Compare the price quotes to the price on your current policy and see if you can save money. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Notify your agent or company to cancel your current auto insurance policy. Submit a signed application and payment to your new company or agent. Once the paperwork is finalized, place the new certificate verifying proof of insurance in your vehicle.
The key thing to know about shopping around is to make sure you enter the same amount of coverage on every quote and and to get rates from as many carriers as you can. This guarantees a level playing field and a good representation of prices.
More information can be found below:
- Electronic Stability Control FAQ (iihs.org)
- Who Has Cheap Car Insurance Rates for Ride Shares in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- Who Has the Cheapest Car Insurance Rates with Multiple Speeding Tickets in San Francisco? (FAQ)
- Who Has Cheap San Francisco Car Insurance for Veterans? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Rates for Teenage Females? (FAQ)
- Who Has Affordable Car Insurance Rates for Teenagers in San Francisco? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Understanding your Policy (NAIC.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Coverage Information (Progressive Insurance)