Save Money on Dodge Grand Caravan Insurance in Honolulu

Insurance for Dodge Grand CaravanAmazingly, about 70% of customers have been with the same company for four years or more, and almost 40% of drivers have never even shopped around for cheaper coverage. With the average premium in Hawaii being $960, drivers could pocket approximately $400 a year by just comparing quotes, but they just don’t understand how easy it is to save money by comparing rate quotes.

The best way we recommend to get the cheapest auto insurance rates is to regularly compare quotes from insurers in Honolulu.

One tip to remember is to try to compare the same liability limits and deductibles on every quote and and to get rate quotes from as many companies as you can. This ensures an apples-to-apples comparison and a complete rate analysis.

Auto insurance providers offering cheap prices in Hawaii

The following companies offer price quotes in Honolulu, HI. If several companies are displayed, we recommend you visit two to three different companies to get the most competitive price.

Dodge Grand Caravan insurance statistics and information

The information shown next outlines detailed analysis of insurance premium costs for Dodge Grand Caravan models. Learning how insurance quotes are established is important for you to make smart choices when buying a car insurance policy.

Dodge Grand Caravan Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $160 $240 $254 $16 $76 $746 $62
Grand Caravan SE $160 $240 $254 $16 $76 $746 $62
Grand Caravan Hero $160 $292 $254 $16 $76 $798 $67
Grand Caravan Crew $180 $292 $254 $16 $76 $818 $68
Grand Caravan SXT $180 $292 $254 $16 $76 $818 $68
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific location which can alter auto insurance rates significantly.

Insurance rate increases from tickets or accidents

The illustration below demonstrates how traffic citations and accident claims can drive up Dodge Grand Caravan auto insurance costs for each different age category. The data is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Rate comparison of full coverage and liability-only

The information below illustrates the difference between Dodge Grand Caravan yearly insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There isn’t a written rule of when to phase out full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your Dodge Grand Caravan replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying your deductible. If you are paying over $300 annually for physical damage coverage, then it could be time to drop full coverage.

There are a few situations where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.

Take policy discounts and save on Dodge Grand Caravan insurance in Honolulu

Car insurance companies do not advertise every discount very clearly, so the list below gives a summary of some of the more common and also the more inconspicuous credits that you can use to lower your rates.Car insurance discounts

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The information below visualizes the comparison of Dodge Grand Caravan yearly insurance costs with and without discounts applied to the rates. The premiums assume a male driver, no tickets, no at-fault accidents, Hawaii state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, homeowner, claim-free, and safe-driver discounts applied.

Car insurance companies that may have these discounts are:

When getting free Honolulu auto insurance quotes, it’s a good idea to each company which discounts you qualify for. Some discounts might not be available to policyholders everywhere. To find insurers who offer car insurance discounts in Hawaii, follow this link.

Dodge Grand Caravan Insurance Premium Factors

Many factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, although some other factors are more transparent such as whether you are married or your commute time. An important part of buying insurance is that you know some of the factors that go into determining the price you pay for insurance. If you understand what determines base rates, this empowers consumers to make smart changes that can help you get lower rates.

The factors shown below are a partial list of the pieces used by your company to calculate your rates.

Will just any policy work for me?

When choosing proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.Auto insurance savings

For instance, these questions might help in determining whether or not you will benefit from professional help.

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

You may want advice from an agent

Some consumers would prefer to have an agent’s advice and that is recommended in a lot of cases An additional benefit of getting free rate quotes online is you may find the lowest rates and still have an agent to talk to. And buying from local agents is definitely important in Honolulu.

Honolulu insurance agentsTo help locate an agent, after submitting this quick form, your information is immediately sent to participating agents in Honolulu who will gladly provide quotes for your insurance coverage. You never need to leave your computer since price quotes are sent to your email. You’ll get the best rates and a licensed agent to work with. If you wish to get a rate quote from a specific insurance provider, you can always navigate to their website and submit a quote form there.

If you would like to find a reliable insurance agent, you must know there are a couple types of agencies and how they work. Agents can be categorized as either independent agents or exclusive agents.

Independent Agents (or Brokers)

Independent agencies are not required to write business for one company so they can insure your vehicles with many different companies and get the cheapest rates. If they find a lower price, your agent can just switch to a different company which makes it simple for you. If you need lower rates, you need to include price quotes from independent agents for maximum quote selection.

Shown below is a partial list of independent insurance agencies in Honolulu that may be able to give pricing information.

1132 Bishop St #1600Honolulu, HI 96813(808) 533-8728View Map

1088 Bishop St #2210Honolulu, HI 96813(808) 841-5915View Map

800 Bethel St # 200Honolulu, HI 96813(808) 538-6938View Map

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Exclusive Insurance Agencies

Agents that choose to be exclusive write business for a single company like American Family, State Farm, and AAA. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agents are well trained on what they offer which helps them sell insurance even at higher premiums.

Below is a short list of exclusive agents in Honolulu that are able to give rate quotes.

1284 Kalani St d108Honolulu, HI 96817(808) 845-0069View Map

575 Cooke St dHonolulu, HI 96813(808) 596-8333View Map

1313 S Beretania St #100Honolulu, HI 96814(808) 593-8221View Map

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Choosing the best auto insurance agent requires you to look at more than just the bottom line cost. These are some questions you should get answers to.

Be persistent and save

When searching for affordable Honolulu auto insurance quotes, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced liability coverage limits and discovered at claim time that it was a big mistake. Your objective should be to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

People who switch companies do it for a number of reasons such as high rates after DUI convictions, denial of a claim, delays in responding to claim requests or high prices. Regardless of your reason for switching companies, switching auto insurance companies can be easier than you think.

More affordable auto insurance in Honolulu can be sourced online and with local Honolulu insurance agents, so get free Honolulu auto insurance quotes from both of them to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and these smaller companies prefer to sell through independent agencies.

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