Who Has Cheap Auto Insurance Rates for a Dodge Grand Caravan in Irvine?

Buying the cheapest car insurance for a Dodge Grand Caravan in California is fairly easy, but it hinges on an enormous amount of rating factors such as how you use your vehicle, if you are a frequent claim filer, and your motor vehicle report. Drivers in California pay around $1,219 annually for Grand Caravan insurance, but that cost is an estimate based upon a 40-year-old married female driver with full coverage and $250 deductibles.

But there is a good chance that you’re not a 40-year-old female, you might be single instead of married, or maybe you are just looking for cheap liability insurance. Even a slight difference in the criteria used to calculate rates can result in a large change in the policy cost.

Everyone has unique insurance needs, and this illustrates why the only real way to find cheap insurance prices for your Dodge is to compare rates from as many companies as possible. Get a free quote now and you will be able to compare rates from the best companies that sell coverage in California.

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The specific trim level impacts the insurance rate, so the rate you will pay to insure a Grand Caravan CV model will be $138 lower than the price to insure the more expensive Grand Caravan SXT model, as shown in the chart below.

Dodge Grand Caravan Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Grand Caravan CV $294 $464 $464 $28 $138 $1,388 $116
Grand Caravan SE $294 $464 $464 $28 $138 $1,388 $116
Grand Caravan Hero $294 $564 $464 $28 $138 $1,488 $124
Grand Caravan Crew $332 $564 $464 $28 $138 $1,526 $127
Grand Caravan SXT $332 $564 $464 $28 $138 $1,526 $127
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific Irvine garaging location which can alter auto insurance rates noticeably.

Picking a good quality car insurance provider is difficult considering how many choices you have in Irvine. The company ratings displayed below can help you choose which companies you want to consider buying from. These ratings include companies with a nationwide focus, so companies that may only write in California are not taken into consideration for the list.

Top 10 Major Auto Insurers Overall in Irvine

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Major Auto Insurers in Irvine Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

The example below demonstrates how choosing different deductibles can influence insurance prices when trying to find cheap insurance for a Dodge Grand Caravan. The price estimates are based on a single male driver, full coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could save $378 a year by changing from a $100 deductible up to a $500 deductible, or save $570 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, could shave $1,226 or even more by selecting a higher deductible.

When using a larger deductible, it’s a good idea to have enough savings to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Don’t stick with an overpriced policy

California auto insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply getting older, buying higher coverage limits, or getting a driving violation may prompt premium changes resulting in some companies being much cheaper than others. In addition to those changes, insurers file new California auto insurance rates as often as every quarter in order to be able to pay unexpected claims. Significantly higher claims may result in rate increases, while less frequent claims may produce cheaper Grand Caravan insurance rates.

As an example, the graph below demonstrates which company has the cheapest car insurance in Irvine, CA for a 45-year-old female driver with a clear driving record, no claims, and good financial standing. When comparing rates based on her personal risk profile, USAA might quote the cheapest car insurance rates in Irvine at $1,183 a year. This is $468 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also included in the cheapest Irvine, CA auto insurance companies.

Let’s now give the driver in the first example a chargeable accident, a lower credit score, and a traffic ticket or two. Since each auto insurer has a proprietary method for determining prices, comparing rates could result in a significantly different list of affordable companies as shown below.

Grange now has the cheapest price in Irvine, CA with Progressive, Allstate, GEICO, and Mercury now rounding out the top five. This example demonstrates why it is so important to compare rates to get the cheapest auto insurance quotes for a Dodge Grand Caravan. Car insurance prices are calculated by many factors and change frequently, so the cheapest company when you last compared rates may now cost much more than other companies.

How to find low-cost auto insurance for a Dodge Grand Caravan

The list below shows some of the better penny-pinching ideas that can help Irvine drivers get cheaper coverage.

The last suggestion is especially necessary, as we hit on in the prior information. Coverage prices in Irvine can change considerably based on profitability, so drivers shouldn’t be reluctant to switch companies if a better deal can be had. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that dedication is costing thousands of dollars over several years. Take a few minutes and shop around and find cheaper auto insurance for a Dodge Grand Caravan.

If you have coverage questions and would like to get some guidance when trying to find lower insurance rates for a Dodge Grand Caravan, the agents below are willing to answer your questions and help you decide which policy is best.

To locate an Irvine insurance agent by location nearest to you, click the button at the bottom.

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