Finding the cheapest insurance for a Dodge Grand Caravan in Wisconsin relies on a whole bunch of factors such as how you use your vehicle, your credit status, and any driving offenses on your record. Drivers pay on average $595 a year for Grand Caravan insurance, but that cost is calculated based on a 40-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
Most likely you are not 40 and maybe not even a female, possibly married instead of single, and maybe you want higher deductibles. There is no one cookie-cutter policy that works for everyone, so the only real way to find the cheapest insurance price for your Dodge is to compare as many rates as possible. To cut your rates now, get a free quote and you will receive price comparisons from top-rated car insurance companies in Wisconsin.
The trim level of your Dodge tends to impact the insurance rate, so the price to insure a Grand Caravan CV trim level will be $50 less expensive the price to insure the higher-priced Grand Caravan SXT trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$106||$174||$298||$18||$90||$686||$57|
|Grand Caravan SE||$106||$174||$298||$18||$90||$686||$57|
|Grand Caravan Hero||$106||$212||$298||$18||$90||$724||$60|
|Grand Caravan Crew||$118||$212||$298||$18||$90||$736||$61|
|Grand Caravan SXT||$118||$212||$298||$18||$90||$736||$61|
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific location which can revise auto insurance rates greatly.
Trying to buy budget insurance is hard enough, and determining which company has the lowest-priced insurance rates for a Dodge Grand Caravan involves a little more work. Every insurance provider has a unique approach to determine rates, so first let's look at the rankings for the most competitive insurance companies in Wisconsin.
It's a good idea to be aware that Madison, WI insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Simply turning a year older, having a teenage driver, or having an at-fault accident can trigger price changes resulting in some rates now being way too expensive in comparison to the competition.
Best Cheap Insurance Rates for Your Dodge
|Rank||Company||Cost Per Year|
|8||Rural Mutual Insurance||$779|
|11||West Bend Mutual||$917|
|15||Auto Club Group||$977|
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USAA quotes some of the lowest car insurance rates in Madison at around $586 a year. Partners Mutual, Erie, Rockford Mutual, and Western National also qualify as some of the cheapest Madison, WI auto insurance companies.
In the above rates, if you are insured with Erie and switched to USAA, you could realize yearly savings of around $110. Insureds with Rockford Mutual might save as much as $168 a year, and Western National customers might see rate reductions of $183 a year.
Bear in mind that those estimates are averaged across all ages of drivers and types of vehicles and are not factoring in a specific vehicle garaging location for a Dodge Grand Caravan. So the insurer that is most affordable for your situation may not even be in the top 30 companies shown above. That point stresses why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
Get discounts on Madison auto insurance rates
Car insurance companies that provide coverage for a Dodge Grand Caravan may also provide discounts that may potentially lower prices by 40% or more if you are eligible to receive them. A list of insurance companies and their offered discounts are detailed below.
- 21st Century has discounts for student driver, air bags, theft prevention, good student, and homeowners.
- State Farm may have discounts that include good driver, passive restraint, Drive Safe & Save, student away at school, multiple policy, and anti-theft.
- AAA offers discounts for multi-policy, multi-car, good student, anti-theft, pay-in-full, and good driver.
- Liberty Mutual includes discounts for teen driver discount, newly married, hybrid vehicle, safety features, new move discount, newly retired, and new graduate.
- Progressive offers discounts including multi-vehicle, continuous coverage, multi-policy, online signing, homeowner, online quote discount, and good student.
The chart below visualizes the comparison of auto insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no violations or claims, Wisconsin state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with accident-free, claim-free, marriage, passive restraint, multiple vehicle, and vehicle safety discounts applied. When these discounts are applied, the average savings per year on insurance for a Dodge Grand Caravan is 27% or $367.
Low rates today, overpriced tomorrow
Madison, WI insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. Simply turning a year older, having a claim, or having an accident can trigger changes in premium that can make some companies cheaper than competitors.
In addition to those changes, companies change rates every year to reflect underwriting profits or losses. Unexpectedly high claims may result in rate increases, while a better claims history may result in lower-cost Grand Caravan insurance rates.
For example, the graph below shows rates for the cheapest car insurance in Madison, WI for a 45-year-old female driver with a clean driving record, no accidents, and a decent credit rating. If we compare prices based on her current rating profile, USAA quotes the lowest car insurance rates in Madison at $654 a year. This is $507 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Nationwide round out the rest of the most affordable Madison, WI auto insurance companies.
In this next rate comparison, we will give the driver from the first example a claim, a lower credit rating, and a traffic ticket or two. Since every car insurance company uses their own formula to set policy rates, comparing rates most likely will result in a slightly different list of affordable companies as shown below.
Pekin Insurance now has the best auto insurance rate in Madison with Integrity Mutual, Western National, Travelers, and Partners Mutual also being competitive. This demonstrates why consumers need to compare many different companies to get the most affordable insurance quotes for a Dodge Grand Caravan. Insurance prices are determined by many things and can decrease or increase without notice, so the cheapest rate three years ago may now be priced much higher than other options.
How to find more affordable insurance for a Dodge Grand Caravan
Here are some of the better money-saving solutions that can help Wisconsin drivers buy low-cost coverage.
- Better credit rating means better rates
- Raise your physical damage coverage deductibles
- Violations and traffic tickets increase rates
- Get cheaper liability coverage by choosing a safer vehicle
- Avoid preventable accidents
- Shop around once a year for cheaper rates
That last idea is particularly necessary, as we noted in this piece. Prices charged by car insurance companies in Madison fluctuate constantly, so don't be tentative to change to a new company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it isn't a good idea if that loyalty ends up costing a lot of money. In less than five minutes you could compare prices to find cheaper car insurance for a Dodge Grand Caravan.
The Madison car insurance agencies listed below can answer your questions and help you decide which insurance coverage you need, since many consumers aren't sure which coverage to buy and prefer to have a consultation when shopping for cheaper insurance for a Dodge Grand Caravan. It can be challenging to find the best coverage on your own, so insurance agents can give you satisfaction knowing you have adequate coverage if you have an accident or claim.
To find a Madison insurance agent near you, click the button link following the list or click here to compare price quotes now.
- Farmers Insurance - Debra Armstrong
621 N Sherman Ave, Ste B16 - Madison, WI 53704 - (608) 222-1400
- State Farm: Patrick Marsden
14 N Carroll St - Madison, WI 53703 - (608) 255-4544
- Farmers Insurance: Jesus Carvajal
5555 Odana Rd #201 - Madison, WI 53719 - (608) 278-7055