Want a free price quotes on low-cost insurance rates in Philadelphia, PA? Philadelphia buyers have a choice when searching for the best price on Dodge Grand Caravan insurance. They can either waste time driving around to compare prices or use the internet to get rate quotes.
There are more efficient ways to compare insurance rates so we're going to tell you the absolute fastest way to get price quotes for a Dodge and find the best price possible from both online companies and Philadelphia agents.
It's an obvious statement that car insurance companies want to keep you from shopping around. People who shop around will probably switch to a new company because the odds are good of finding good coverage at a lower price. A recent insurance study revealed that consumers who regularly compared price quotes saved about $860 a year compared to other drivers who never shopped around for lower prices.
If saving the most money on auto insurance in Philadelphia is the reason you're reading this, then knowing the best ways to shop for coverages can help simplify the process.
Discount Philadelphia auto insurance rates
Car insurance is not cheap, but you may be missing some discounts that many people don't even know exist. Certain reductions will be credited at the time of quoting, but a few must be asked for prior to receiving the credit.
- Active Military Service - Being on active duty in the military may lower your auto insurance rates slightly.
- Safety Restraint Discount - Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off PIP or medical payments premium.
- Cautious Driver Discounts - Drivers who avoid accidents may receive a discount up to 45% than drivers with accident claims.
- Anti-theft System - Cars equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your Philadelphia auto insurance quote.
- Multiple Policy Discount - If you insure your home and vehicles with one insurance company they may give you a discount of 10% to 20% off each policy.
- Home Ownership Discount - Just being a homeowner can help you save on auto insurance because it is proof of financial responsibility.
- Accident-Free Discounts - Good drivers with no accidents have much lower rates compared to frequent claim filers.
It's important to note that most discounts do not apply to the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, it doesn't quite work that way.
The illustration below visualizes the comparison of Dodge Grand Caravan car insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, marriage, and safe-driver discounts applied.
To see auto insurance companies with discount rates in Pennsylvania, click here.
Finding low cost Philadelphia car insurance prices is a fairly straight forward process. You just need to invest a few minutes to compare rate quotes online with multiple companies.
The companies in the list below provide free rate quotes in Pennsylvania. If multiple providers are shown, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.
Coverage statistics and figures
The coverage information displayed next highlights different prices for Dodge Grand Caravan models. Learning as much as possible about how insurance prices are formulated can aid in making informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Grand Caravan CV||$274||$412||$336||$20||$100||$1,142||$95|
|Grand Caravan SE||$274||$412||$336||$20||$100||$1,142||$95|
|Grand Caravan Hero||$274||$502||$336||$20||$100||$1,232||$103|
|Grand Caravan Crew||$310||$502||$336||$20||$100||$1,268||$106|
|Grand Caravan SXT||$310||$502||$336||$20||$100||$1,268||$106|
|Get Your Own Customized Quote Go|
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in garaging location in Philadelphia which can decrease or increase premium rates substantially.
Dodge Grand Caravan liability-only versus full coverage
The example below shows the comparison of Dodge Grand Caravan car insurance rates when comparing full coverage to state minimum liability only. The price estimates are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no clear-cut formula to eliminate physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let's say your Dodge Grand Caravan book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after the deductible is paid. If you are currently paying more than $800 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are a few situations where dropping physical damage coverage is not in your best interest. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Are auto insurance agents of importance?
Certain consumers just prefer to sit down and talk to an agent and doing so can bring peace of mind Insurance agents can help you build your policy and help you file claims. A nice benefit of comparing rates online is that you can obtain cheap auto insurance rates but still work with a licensed agent. And supporting local insurance agents is definitely important in Philadelphia.
To find an agent, once you fill out this short form, your information is submitted to local insurance agents who will gladly provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to leave your computer because quoted prices will be sent to your email. If for some reason you want to get a rate quote from a specific insurance company, feel free to find their quoting web page and give them your coverage information.
If you are searching for a local Philadelphia insurance agent, it helps to know the two types of insurance agents and how they differ in how they quote coverages. Auto insurance agents in Philadelphia can be classified as either exclusive agents or independent agents. Both can handle auto insurance, but it is a good idea to know the differences since it could factor into the selection process.
Independent Auto Insurance Agents (or Brokers)
These agents can sell policies from many different companies so they can quote policies through many companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply switch companies in-house and the insured can keep the same agent. When comparing rates, it's a good idea to get insurance quotes from a couple of independent agencies for the best price selection. Many independent agencies also insure through different regional companies which can save you money.
Shown below is a small list of independent insurance agents in Philadelphia that can possibly get you free auto insurance quotes.
- Philadelphia Insurance Companies
231 St Asaphs Rd #100 - Bala Cynwyd, PA 19004 - (610) 617-7900 - View Map
- Martin Insurance
5700 Delancey St - Philadelphia, PA 19143 - (215) 471-6860 - View Map
- Kowalewski Jawork Insurance Agency Inc
706 S 5th St - Philadelphia, PA 19147 - (215) 922-1222 - View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only quote rates from one company such as Farmers Insurance and State Farm. These agents are unable to provide rate quotes from other companies so it's a take it or leave it situation. They are well trained on what they offer which helps them sell insurance even at higher premiums. Consumers frequently buy from exclusive agents mostly because of the prominent brand name and the convenience of having a single billing for all their coverages.
The following is a list of exclusive agencies in Philadelphia who can help you get price quote information.
- State Farm: Brian Cover
7005 Bustleton Ave - Philadelphia, PA 19149 - (215) 332-9000 - View Map
- Trish Floyd - State Farm Insurance Agent
7706 Castor Ave - Philadelphia, PA 19152 - (215) 725-3000 - View Map
- Jack Stabler - State Farm Insurance Agent
6726 Torresdale Ave - Philadelphia, PA 19135 - (215) 331-4300 - View Map
Deciding on an car insurance agent requires you to look at more than just the bottom line cost. The answers to these questions are important, too.
- Will they take your side in the event of a claim?
- Is there a 24/7 contact number?
- What kind of financial rating does the company have?
- Does the agency have a positive business rating?
- What are their preferred companies if they are an independent agency?
Quote more and you will save more
In this article, we covered a lot of information how to reduce Dodge Grand Caravan insurance premium rates online in Philadelphia. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best premium rates are with a company that doesn't do a lot of advertising.
The cheapest Dodge Grand Caravan insurance in Philadelphia is attainable from both online companies and from local insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide online rate quotes and most of the time these smaller providers work with local independent agents.
People leave their current company for a number of reasons such as policy non-renewal, high rates after DUI convictions, lack of trust in their agent or high prices. It doesn't matter why you want to switch finding a new insurance company is not as difficult as it may seem.
To learn more, feel free to browse the following helpful articles:
- What to do at the Scene of an Accident (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Toyota Corolla in Philadelphia? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Philadelphia? (FAQ)
- How Much are Auto Insurance Rates for High School Students in Philadelphia? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Winter Driving (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)