Save Money on Dodge Grand Caravan Insurance in Oklahoma City

Astonishing but true according to a recent study, a large majority of drivers in Oklahoma have purchased from the same company for four years or more, and 38% of drivers have never even compared quotes to find cheaper rates. American drivers can cut their rates by up to 47% a year by just shopping around, but they assume it’s a waste of time to shop around.

It takes a few minutes, but the best way to get more affordable car insurance rates in Oklahoma City is to do an annual price comparison from providers in Oklahoma.

• First, read about what is in your policy and the things you can control to prevent expensive coverage. Many things that increase rates like at-fault accidents, careless driving, and an unacceptable credit rating can be rectified by making minor driving habit or lifestyle changes.
• Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while agents who are independent can quote rates for many different companies.
• Third, compare the quotes to your existing coverage to determine if you can save on Grand Caravan insurance in Oklahoma City. If you find a lower rate quote and make a switch, make sure there is no coverage gap between policies.
• Fourth, tell your current agent or company of your decision to cancel your current coverage and submit a down payment and signed policy application to your new insurance company. Immediately upon receiving it, put the new proof of insurance certificate in your vehicle.

One important bit of advice is to try to compare the same deductibles and limits on each quote and to quote with as many different insurance providers as possible. Doing this guarantees an accurate price comparison and a complete selection of prices.

If you’re already insured or are looking for a new policy, you can learn to save money while maximizing coverage. Our goal is to introduce you to how insurance works and some money-saving tips. Smart shoppers just need to understand the most effective way to compare prices from many different companies.

Companies offering Dodge Grand Caravan insurance in Oklahoma

The following companies are ready to provide price comparisons in Oklahoma. If multiple companies are shown, it’s highly recommended you click on several of them to get the most affordable price.

Facts and figures for Dodge Grand Caravan insurance

The information displayed below showcases detailed analysis of prices for Dodge Grand Caravan models. Being aware of how prices are formulated is important to be able to make informed coverage decisions.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can decrease or increase premium rates noticeably.

Physical damage deductibles: Should you raise them?

When buying auto insurance, a common question is where should you set your physical damage deductibles. The following insurance rates may help to illustrate how much more rates are when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in vehicle location which can impact insurance rates considerably.

Based on these figures, using a $250 deductible costs an average of $16 more each month or $192 each year across all Dodge Grand Caravan models than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 16 months between claim filings, you would most likely save money by selecting a higher deductible.

The diagram below illustrates how your choice of deductibles and can change Dodge Grand Caravan insurance costs for different age groups of insureds. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Take policy discounts and save on Dodge Grand Caravan insurance in Oklahoma City

Companies that sell car insurance don’t always list all discounts very clearly, so below is a list both the well known and also the lesser-known ways to save on auto insurance.

• Fewer Miles Equal More Savings – Low annual miles can qualify you for cheaper prices.
• Safety Course Discount – Taking time to complete a course teaching defensive driver skills could save 5% or more and also improve your driving technique.
• Military Discounts – Being deployed with a military unit could be rewarded with lower auto insurance rates.
• Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease depending on your company.
• Mature Driver Discount – Drivers that qualify as senior citizens may receive better auto insurance rates.
• Good Student – Excelling in school may save you up to 25%. Most companies allow this discount well after school through age 25.
• Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks with the same auto insurance company could earn a price break for each car.
• Driver’s Education for Students – Teen drivers should successfully take a driver’s education course as it can save substantially.

Drivers should understand that some credits don’t apply to the whole policy. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

The diagram below shows the comparison of Dodge Grand Caravan insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no tickets, no at-fault accidents, Oklahoma 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 multi-car, homeowner, multi-policy, safe-driver, claim-free, and marriage discounts applied.

Insurance companies who might offer these benefits are:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• GEICO
• State Farm

Before you buy a policy, ask each company or agent how you can save money. Depending on the company, some discounts might not be offered on policies in Oklahoma City. To see companies who offer online Dodge Grand Caravan insurance quotes in Oklahoma City, click here.

What if I want to buy from local Oklahoma City auto insurance agents?

Certain consumers still like to sit down with an agent. Good agents can help you choose the best coverages and help file insurance claims. A good thing about getting online price quotes is the fact that drivers can get the lowest rates but still work with a licensed agent. Buying from and supporting local agencies is definitely important in Oklahoma City.

Upon completion of this quick form, your coverage information is transmitted to agents in your area who can give free rate quotes for your coverage. You don’t have to drive around because quoted prices will be sent instantly to you. If you need to quote rates from one company in particular, just navigate to their website and fill out the quote form the provide.

Selecting an company is decision based upon more than just the price. Any good agent in Oklahoma City should know the answers to these questions.

• Does the agency have a positive business rating?
• If you have an accident, will your rates go up?
• What company do they have the most business with?
• By raising physical damage deductibles, how much would you save?
• Will a damage claim use OEM or aftermarket replacement parts?
• Is insurance their full-time profession?
• If they are an independent agency in Oklahoma City, which companies do they recommend?

Best auto insurance in Oklahoma City

Choosing a good quality car insurance provider is difficult considering how many companies provide coverage in Oklahoma City. The rank data displayed below could help you analyze which auto insurers you want to consider comparing price quotes from.

Top 10 Oklahoma City Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Smart consumers save more

We just showed you many ways to find lower-cost Dodge Grand Caravan insurance in Oklahoma City. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from the least-expected company.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best possible price while still protecting your assets.

Lower-priced Dodge Grand Caravan insurance in Oklahoma City can be purchased from both online companies and from local insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not have the ability to get quotes online and many times these regional carriers prefer to sell through independent agents.

For more information, feel free to browse the following helpful articles:

• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• How Much are Car Insurance Rates for Seniors in Oklahoma City? (FAQ)
• How Much is Auto Insurance for Electric Cars in Oklahoma City? (FAQ)
• What Insurance is Cheapest for Teenagers in Oklahoma City? (FAQ)
• How Much are Auto Insurance Rates for a Jeep Grand Cherokee in Oklahoma City? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Drivers Under 25 in Oklahoma City? (FAQ)
• How Much are Car Insurance Rates for a Learners Permit in Oklahoma City? (FAQ)
• Insurance Losses by Make and Model (iihs.org)
• Teen Driving Statistics (GEICO)