Lower Your 2008 Dodge Caliber Insurance Quotes

Looking for cheaper insurance rates? Shoppers have lots of choices when shopping for affordable Dodge Caliber insurance. You can either spend your time calling around trying to get quotes or save time using the internet to get rate quotes.

There are both good and bad ways to find insurance online and we’ll show you the proper way to quote coverages for a Dodge and locate the lowest possible price either online or from local insurance agents.

The purpose of this post is to tell you how to get online quotes and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Drivers just need to understand the tricks to compare rates online.

How to find affordable insurance

Reducing your 2008 Dodge Caliber insurance rates is actually quite simple. The only thing you need to do is take a couple of minutes to get quotes to see which company has inexpensive car insurance quotes. Rate comparisons can be done by following the guidelines below.

  • The easiest and least time consuming way to find low rates is to use a rate comparison form click here to open form in new window. This form eliminates the need for repetitive form submissions for each company. One simple form gets coverage cost estimates direct from many companies. Recommended for those who want to invest the least amount of time.
  • Another way to find more affordable insurance is to take the time to go to each company’s website and complete a new quote form. For sake of this example, let’s say you want to compare prices for Nationwide, State Farm and GMAC. You would have to navigate to each company’s site and repeatedly enter your information, which is why first method is reommended. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you use exactly the same coverage limits and deductibles on every price quote you get. If you compare different values for each quote you will not be able to determine which rate is truly the best.

Save $428 a year! What?

Consumers get pounded daily by advertisements for the lowest price car insurance by companies like 21st Century, Allstate and State Farm. They all state the claim that drivers can save some big amount if you get a free car insurance quote and switch your coverage.

How does each company offer you a better deal? This is how they do it.

Insurance companies have specific criteria for the type of customer that will be a good risk. An example of a profitable insured may need to be between 25 and 40, has a clean driving record, and drives a car with an anti-theft system. Any new insured who matches those parameters will get very good prices and will save when they switch companies.

Potential customers who don’t meet those standards will get a higher rate and the customer not buying. If you pay attention, the ads say “customers that switch” not “everyone that quotes” will save that much if they switch. That is how insurance companies can lure you into getting a quote.

This emphasizes why it’s extremely important to get as many free car insurance quotes as possible. It is just not possible to predict which car insurance company will fit your personal profile best.

How your Caliber insurance prices are determined

Many things are considered when you get your auto insurance bill. Most are fairly basic like an MVR report, but other factors are more transparent such as your credit history or your financial responsibility.

The list below includes some of the items used by your company to calculate premiums.

  • Improve your credit score and save – Having a bad credit rating is a large factor in your rate calculation. If your credit rating is low, you could save money insuring your 2008 Dodge Caliber by spending a little time repairing your credit. Drivers with good credit tend to be better drivers and file fewer claims than those with poor credit scores.
  • Prevent theft and save – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Decrease prices by maintaining coverage – Letting your insurance expire is a guaranteed way to increase your car insurance rates. In addition to paying higher rates, getting caught without coverage will get you a revoked license or a big fine. You may then have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Males are more aggressive – Statistics demonstrate that women are safer drivers than men. The data does not necessarily mean that women are better drivers. They both have fender benders in similar percentages, but men tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males cause the most accidents and are penalized with high car insurance rates.
  • If you don’t need it don’t buy it – There are a ton of add-on coverages that you can buy on your Caliber policy. Insurance for rental car coverage, accidental death, and extra equipment coverage may be wasting your money. They may sound like good ideas when you first buy your policy, but your needs may have changed so think about removing them and cutting costs.
  • More miles driven equals more premium – Driving a lot of miles in a year’s time the more you will pay for car insurance. The majority of insurers charge rates based on their usage. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your car insurance policy shows the proper vehicle usage. Having the wrong rating on your Caliber can result in significantly higher rates.
  • City dwellers may pay more – Being located in areas with lower population can be a good thing when buying car insurance. Fewer people means reduced accidents and lower theft and vandalism rates. Drivers in populated areas tend to have much more traffic and higher rates of accident claims. Longer commute distances means higher likelihood of an accident.
  • Is you employer costing you more? – Careers such as military generals, architects and medical professionals have higher rates than the rest of us in part from intense work-related stress and extremely grueling work hours. On the other hand, jobs such as actors, engineers and the unemployed have the lowest average rates on Caliber coverage.

Do you qualify for discount insurance?

Some providers do not advertise every discount very well, so the list below details a few of the more common and the more hidden credits available to you.

  • Organization Discounts – Belonging to qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
  • No Claim Discounts – Claim-free drivers pay much less when compared to bad drivers.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Active Military Service – Being on active duty in the military may lower your insurance rates slightly.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save a little off the medical payments premium.
  • Onboard Data Collection – Insureds who allow their insurance company to scrutinize driving patterns by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they show good driving skills.
  • E-sign Discounts – Some insurance companies may give you up to $50 just for signing your application online.
  • Discount for Swiching Early – A few larger companies give discounts for switching companies prior to the expiration date on your current policy. This discount can save up to 10%.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.

To locate insurers who offer free insurance quotes, follow this link.

What insurance coverages do I need?

When it comes to buying coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions might help in determining whether your personal situation may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Do I have any recourse if my insurance company denies a claim?
  • Who is covered when they drive my 2008 Dodge Caliber?
  • Is my camper covered by my car insurance policy?
  • Will my insurance pay for OEM parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my nanny covered when driving my vehicle?
  • I have a DUI can I still get coverage?
  • When should I not file a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about insurance coverages

Having a good grasp of insurance aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like surgery, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Coverage for collisions

Collision coverage covers damage to your Caliber from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Caliber.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

This provides protection from damage that occurs to people or other property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, emergency aid, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, damage from flooding, fire damage, vandalism and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Compare but don’t skimp

When shopping online for car insurance, never buy less coverage just to save a little money. There are a lot of situations where someone dropped full coverage and discovered at claim time that it was a big error on their part. Your focus should be to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

The cheapest 2008 Dodge Caliber insurance is attainable on the web as well as from insurance agents, so get free car insurance quotes from both of them to have the best selection. Some companies do not provide price quotes online and most of the time these small insurance companies only sell coverage through independent agents.

You just learned quite a bit of information on how to get a better price on 2008 Dodge Caliber insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best auto insurance rates are with an unexpected company.

Even more information can be found by following these links: