2011 Dodge Caliber Insurance Quotes

Scraping up a payment for expensive Dodge Caliber insurance can overdraw your accounts and force you to make tough financial choices. Vehicle owners have multiple car insurance companies to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare company pricing.

Consumers should take time to do rate comparisons every six months because prices fluctuate regularly. Just because you found the best rate for Caliber coverage at your last renewal you will most likely find a better premium rate today. Block out anything you think you know about car insurance because we’re going to demonstrate the fastest and easiest way to lower your rates without sacrificing coverage.

Buying the cheapest car insurance can be fairly easy. If you have a policy now or are just looking to switch companies, you can use these tips to find the best rates while maximizing coverage. Consumers just need to learn the tricks to buy car insurance over the internet.

How insurers determine Dodge Caliber insurance prices

It’s important that you understand some of the factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

  • Do thieves like your car? – Owning a car with advanced anti-theft systems can save you a little every year. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your car from being stolen.
  • Bad drivers pay high premiums – Drivers who don’t get tickets get better prices as compared to careless drivers. Having just one driving citation may cause rates to rise by as much as thirty percent. People who have flagrant violations like DUI or reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent their license from being revoked.
  • Get married and get cheaper costs – Having a significant other may cut your premiums on your car insurance bill. Having a significant other means you’re less irresponsible it has been statistically shown that married drivers tend to file fewer claims.
  • Never let your coverage expire – Driving without insurance is not a good idea and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage may earn you a steep fine or even jail time.
  • Limits of liability – The liability coverage on your policy will provide protection if ever you are found liable for causing personal injury or damage in an accident. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to other policy coverages, so drivers should carry high limits.
  • Males pay higher premiums – The statistics show that females take fewer risks when driving. That doesn’t necessarily mean that males are worse at driving than females. Women and men have at-fault accidents in similar numbers, but the men cause more damage and cost insurance companies more money. They also get ticketed for serious violations such as reckless driving.
  • Safer vehicles cost less to insure – Vehicles that have high safety ratings tend to have better insurance rates. Highly rated vehicles reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies and more competitive rates for policyholders.

Compare insurance quotes online

The majority of larger companies like Allstate, GEICO and Progressive make it easy to get coverage price quotes online. Obtaining pricing doesn’t take much effort as you just type in the coverage amounts you desire into the form. Behind the scenes, the company’s rating system orders your driving and credit reports and provides a quote based on these and other factors. This makes it simple to compare prices but the process of having to visit a lot of sites and type in the same information is repetitive and time-consuming. But it is imperative to get many rate quotes in order to find the lowest insurance rates.

There is a better way to compare rates

The smarter way to lower your rates uses just one form to get prices from a lot of companies. This type of form saves time, requires much less work on your part, and makes quoting online a lot less work. Once the form is submitted, it is rated and you can choose your choice of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process only takes a few minutes and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, click here and fill out the form. If you have coverage now, it’s recommended that you enter the insurance coverages identical to your current policy. This ensures you will receive an apples-to-apples comparison based on similar coverages.

Can you really save that much by switching?

Drivers get pounded daily by advertisements for the lowest price insurance coverage by Allstate, GEICO and Progressive. They all seem to advertise the message of big savings if you move your coverage to them.

How is it plausible that every one can cost less than your current company? This is the trick they use.

All companies offer their best rates for the type of driver that will add to their bottom line. An example of this type of risk profile should be a married female, has no tickets, and drives less than 10,000 miles a year. A customer who fits that profile receives the best rates and will most likely save some money.

Potential insureds who may not quite match those criteria may receive higher premiums and ends up with the customer not purchasing. The wording the ads use say “customers who switch” not “everybody who quotes” save that much money. This is how companies can claim big savings.

This really emphasizes why you should compare quotes as often as possible. It is impossible to guess which insurance companies will have the lowest rate quotes.

Take policy discounts and save

Not many people think insurance is cheap, but you might already qualify for some discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but some discounts are required to be specially asked for before being credited.

  • Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
  • Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance for Caliber coverage depending on your car insurance provider.
  • Telematics Data – Policyholders that allow their company to spy on their driving habits by using a telematic data system such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
  • Passive Restraint Discount – Cars that have air bags can qualify for discounts of up to 25% or more.
  • Service Members Pay Less – Being on active duty in the military may lower your prices slightly.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Accident Waiver – This isn’t a discount exactly, but certain companies will let one accident slide before they charge you more for coverage so long as you haven’t had any claims for a particular time prior to the accident.
  • Discounts for Multiple Vehicles – Having multiple vehicles with the same car insurance company qualifies for this discount.
  • Good Grades Discount – Getting good grades can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Defensive Driving Course – Passing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.

As is typical with insurance, some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Larger car insurance companies and a summarized list of policyholder discounts are:

  • American Family has savings for Steer into Savings, bundled insurance, TimeAway discount, multi-vehicle, defensive driver, good driver, and good student.
  • Farm Bureau has discounts for renewal discount, multi-policy, multi-vehicle, 55 and retired, driver training, and youthful driver.
  • State Farm may include discounts for good driver, multiple autos, accident-free, driver’s education, Steer Clear safe driver discount, student away at school, and multiple policy.
  • Travelers policyholders can earn discounts including good student, new car, home ownership, payment discounts, continuous insurance, student away at school, and multi-car.
  • The Hartford offers premium reductions for bundle, good student, vehicle fuel type, anti-theft, air bag, and driver training.
  • GEICO may offer discounts for military active duty, defensive driver, daytime running lights, good student, and multi-policy.
  • Progressive may have discounts that include continuous coverage, online signing, multi-policy, good student, and multi-vehicle.

If you are trying to find the cheapest insurance quotes, ask each company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your area.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation may require specific advice.

  • Am I getting all the discounts available?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need motorclub coverage?
  • Is rental equipment covered for theft or damage?
  • Do I have coverage if my license is suspended?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Caliber.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like X-ray expenses, prosthetic devices, dental work, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverages – Collision coverage pays for damage to your Caliber from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, driving through your garage door, colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism, a broken windshield, falling objects and hail damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Final considerations

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

You just learned quite a bit of information on how to shop for 2011 Dodge Caliber insurance online. The key concept to understand is the more companies you get prices for, the better likelihood of getting cheap insurance. Consumers may even find the most savings is with a small mutual company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

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