Lower Your 2007 Dodge Caliber Car Insurance Rates

Searching for lower auto insurance rates for your Dodge Caliber? Locating low-cost insurance for your Dodge Caliber can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to buy auto insurance so you’re going to learn the best way to compare rates on a Dodge and find the cheapest rates.

Finding the best rates is not rocket science. If you have insurance now or need new coverage, you can learn to reduce the price you pay while maximizing coverage. Drivers just need to understand how to buy car insurance over the internet.

Affordable insurance coverage rate quotes

Effectively comparing insurance coverage prices can take hours if you aren’t aware of the easiest way. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

All the larger companies enroll in a system that allows shoppers to enter their policy data once, and each company returns a rated price. This eliminates the need for repetitive form submissions for each company. To enter your information into the quoting system, click to open in new window.

The one downside to getting quotes like this is you don’t know exactly the insurers to receive prices from. So if you prefer to pick individual companies to compare, we have a listing of companies who write insurance coverage in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to enter nearly identical quote data for each price quote. If you have different values for each quote then you won’t be able to truly determine the lowest rate.

Auto insurance rates and discounts

Buying auto insurance is not cheap, but there may be some discounts to cut the cost considerably. Many discounts should be triggered when you get a quote, but lesser-known reductions have to be inquired about in order for you to get them. If you do not check that you are getting every discount possible, you could be getting lower rates.

  • Seat Belts Save – Forcing all vehicle occupants to buckle up before driving can save a little off the PIP or medical payment premium.
  • No Charge for an Accident – Not necessarily a discount, but some companies like Allstate and State Farm will let one accident slide without raising rates if your claims history is clear before the accident.
  • Membership in Organizations – Belonging to a qualifying organization can get you a small discount on your bill.
  • Discount for Passive Restraints – Factory air bags could see savings of more than 20%.
  • Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote insurance coverage on Caliber coverage depending on your company.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and that can save you a little bit as well.
  • Discount for Swiching Early – A few insurance companies offer discounts for buying a new policy prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for newer vehicles.

Don’t be surprised that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

A list of companies and some of the premium reductions they offer are shown below.

  • American Family offers discounts for early bird, TimeAway discount, accident-free, Steer into Savings, bundled insurance, and good student.
  • State Farm may include discounts for Drive Safe & Save, multiple autos, student away at school, Steer Clear safe driver discount, defensive driving training, and multiple policy.
  • 21st Century offers premium reductions for teen driver, student driver, homeowners, driver training, automatic seat belts, and theft prevention.
  • Travelers offers discounts including early quote, multi-car, home ownership, IntelliDrive, and hybrid/electric vehicle.
  • GEICO discounts include military active duty, five-year accident-free, membership and employees, emergency military deployment, anti-lock brakes, and anti-theft.

If you want the cheapest insurance coverage quotes, ask every insurance company to give you their best rates. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to see a list of companies that offer many of these discounts, click this link.

Smart consumers know how to buy insurance coverage at a discount

An important part of buying insurance is that you know some of the factors that come into play when calculating the rates you pay for insurance coverage. When you understand what influences your rates, this allows you to make good choices that could help you find better insurance coverage rates.

  • Never have policy lapses – Having an insurance coverage lapse is a quick way to pay more for insurance coverage. Not only will you pay more, failure to provide proof of insurance might get you fines and jail time.
  • Policy add-ons can waste money – There are quite a few extra coverages that you can buy on your insurance coverage policy. Coverages for rental car coverage, better glass coverage, and membership fees could be just wasting money. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
  • Your address can impact price – Having an address in areas with lower population may provide you with better prices if you are looking for the lowest rates. City drivers have more road rage incidents and higher rates of accident claims. Lower population translates into fewer accident claims and a lower car theft rate.
  • Theft deterrents systems cut prices – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
  • Certain occupations pay higher insurance coverage rates – Occupations such as fire fighterspolice officers and emergency personnel generally have higher rates than the rest of us in part from high stress and incredibly demanding work hours. On the other hand, occupations like actors, students and homemakers pay lower than average rates on Caliber coverage.
  • Do you know you’re credit rating? – Your credit rating is likely to be a major factor in determining your rates. Insureds with good credit tend to file fewer claims than drivers with poor credit scores. If your credit rating is lower than you’d like, you could pay less to insure your 2007 Dodge Caliber by repairing your credit.
  • Teenage drivers pay higher rates – Mature drivers are shown to be more cautious, cost insurance companies less in claims and are safer drivers.Young drivers tend to be inattentive and easily distracted when driving therefore insurance coverage rates are much higher.
  • Men are more aggressive – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Females and males are responsible for fender benders at a similar rate, but guys have costlier accidents. Men also tend to receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

Situations that may require an agent’s advice

When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • How high should deductibles be on a 2007 Dodge Caliber?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When would I need additional glass coverage?
  • Is my cargo covered for damage or theft?
  • Is my nanny covered when driving my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to my business vehicle?
  • Am I covered when delivering products for my home-based business?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Do drivers who switch really save $458 a year?

Drivers can’t ignore all the ads that promise big savings for switching by Allstate and Progressive. All the companies make the point of big savings if you get a free insurance coverage quote and switch your insurance coverage to their company.

How does every insurance company charge lower premium rates? It’s all in the numbers.

Different companies are able to cherry pick for the driver that will generate a profit. For example, this type of insured may be married and over the age of 30, has a low-risk occupation, and drives less than 10,000 miles a year. A customer who fits that profile will most likely get cheap prices and will also pay quite a bit less when switching companies.

Drivers who are not a match for the requirements will be quoted higher prices which translates to business going elsewhere. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can truthfully make those statements. This really emphasizes why you need to do a quote comparison often. You cannot predict the company that will have better prices than you’re paying now.

Car insurance coverage specifics

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, damage from a tornado or hurricane and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, doctor visits, rehabilitation expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This will cover damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, court costs and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Dodge Caliber.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision – This pays for damage to your Caliber caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Buy Smart and Save

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

People switch companies for any number of reasons including high rates after DUI convictions, denial of a claim, policy cancellation or even delays in paying claims. It doesn’t matter what your reason, switching companies is actually quite simple.

Lower-priced 2007 Dodge Caliber insurance can be sourced on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies may not offer online price quotes and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

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