Rates for Insuring a Minivan

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Here's what you need to know...

  • Minivans are among the cheapest vehicles to insure
  • Your driving history will make a big impact on your insurance rates
  • When deciding who to insure you, compare rates and then check out the ratings of the companies that offer you what you need at the best prices

Overall, minivans are some of the cheapest vehicles to insure, although it is impossible to say specifically how much your minivan car insurance rates will be because there are so many variables involved with determining your rate.

If it were just about the type of car you drive, it would be easy to say the average cost of insuring a minivan each year is a certain amount of money.

For example, the national average cost for insuring a 2011 Chrysler Town and Country was about $1,100 a year. The Toyota Sienna was $1,110, and the Honda Odyssey was about $1120.

Despite the fact that these are the national averages for these particular vehicles (among the cheapest new vehicles to insure in the United States), your rates could be much higher or lower depending on how you rate in terms of your risk factors.

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Not only will the type and age of the minivan that you drive affect your rates, the insurance company will take into account a myriad amount of personal information as well.

For example the following will all impact your rates:

Is there a particular reason that minivans are less expensive to insure than other types of vehicles?

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One of the main reasons that minivans are less expensive to insure is because of who drives minivans. Overall, parents drive minivans and they are often driving around their children in the process. This equates to a lower risk consideration for minivan drivers in general.

Another reason that minivans are less expensive to insure is because they offer more protection when you have a car accident.

Bigger vehicles are safer, and that is a fact. However, SUVs have the problem of rolling over in an accident, something that is not a problem with a minivan.

Because a minivan offers more safety, this reduces the risk of someone becoming seriously injured when they have an accident in a minivan. This equates to less money spent in claims by an insurance company, which translates into savings for you, the driver.

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What are some of the risk factors that will affect my car insurance rates?

A major component that determines how much you will pay for your car insurance is your driving record. If you have a great driving record, you will pay lower rates than someone who has a history of poor driving, traffic violations, and multiple insurance claims.

Another thing that will impact your costs is your driving experience. In many states, this is directly related to the age of the driver.

Someone who is 16 simply pays more than someone who is 26.

However, in some states it is directly related to the amount of time that you have had your driver’s license.

If you are 33 years old with no driving experience, you may find that you are paying more for your minivan insurance than someone who is 20 years old with four years of driving experience.

Is there one insurance company that is better than the rest when it comes to minivan insurance?

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You aren’t going to find one particular car insurance company with a better overall rate for minivans than other companies. Minivans aren’t a specialty car, so there aren’t any companies that focus specifically on this type of vehicle.

A specialty vehicle would be something like a classic car. There are car insurance companies that only sell car insurance for classic cars and for high end vehicles, such as Porsches.

In these cases, it may be far less expensive to purchase car insurance from a specialty company, mostly because companies like these refuse to accept high-risk drivers.

If you are wondering about a particular car insurance company and the rates that they charge overall, Weiss Ratings or J.D. Power may be good places for you to find rating information about the car insurance company.

These ratings are more about the overall performance of a company, but they can give you something to think about when considering your insurance options.

Modern minivans also have a lot of safety features that help protect passengers.

You will be hard pressed to find a late model minivan that doesn’t have front, back, and side panel airbags. This adds to that component of passenger safety that insurance companies like.

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