2010 Dodge Caliber Insurance Cost

Want better car insurance rates for your Dodge Caliber? Trying to come up with a payment for high-priced car insurance can diminish your family’s budget, especially in this economy. Comparing price quotes is free and is an excellent way to ensure you are getting the best deal.

Having so many insurance companies to choose from, it is very difficult to locate the most cost effective car insurance provider.

It’s a good idea to do rate comparisons once or twice a year since rates are variable and change quite frequently. Just because you found the lowest premium rates on Caliber coverage at your last renewal there is a good chance you can find better prices now. There is a lot of wrong information about car insurance on the internet, but you can learn the easiest ways to stop overpaying for insurance.

Why you might pay increased rates

Part of the auto insurance buying process is learning some of the elements that are used to determine auto insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that may reward you with big savings. Lots of things are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving record, although others are not quite as obvious such as your marital status or how safe your car is.

  • Teenage drivers pay high premiums – Drivers with little experience are proven to be more careless when behind the wheel and because of this, their auto insurance rates are much higher. Adding a teenage driver onto your auto insurance can cause a big jump in price. Older people are viewed as being more responsible, tend to cause fewer accidents , and usually have better credit.
  • Marriage brings a discount – Having a wife or husband can actually save you money on your auto insurance bill. It translates into being less irresponsible and statistics prove married drivers tend to have fewer serious accidents.
  • Do you qualify for a multi-policy discount? – Most larger insurers apply lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you may still want to check prices from other companies to ensure the best deal. Consumers may save more without the discount by buying from different companies
  • Cars with good safety ratings cost less to insure – Safe vehicles get lower rates. Highly rated vehicles have better occupant injury protection and lower injury rates means less claims paid which can mean better rates for you.
  • Driving citations can increase costs – Your driving citation history can have a huge impact on auto insurance premiums. Attentive drivers receive lower rates compared to bad drivers. Getting just one speeding ticket can increase the cost of insurance twenty percent or more. Drivers with multiple citations like hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with their state in order to prevent their license from being revoked.
  • Premiums and your address – Having an address in less populated areas of the country can save you money if you are looking for the lowest rates. Fewer drivers on the road means less chance of accidents in addition to fewer liability claims. Urban drivers have to deal with more traffic problems and a longer drive to work. Spending more time driving means more chances of being involved in an auto accident.
  • Proper usage rating affects premiums – The higher the miles on your Dodge every year the higher the price you pay to insure it. Many insurance companies rate vehicles partially by how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates than those that get driven frequently. Having an incorrect usage rating on your Caliber can result in significantly higher rates. Verify your declarations sheet correctly shows how each vehicle is driven, because improper ratings can cost you money.
  • Don’t skimp on liability coverage – A critical coverage on your policy, liability insurance is the coverage that protects you when you are found to be at fault for damages caused by your negligence. Liability provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Get lower-cost car insurance with discounts

Companies that sell car insurance do not list every available discount in an easy-to-find place, so the list below details a few of the more well known as well as some of the hidden credits available to you.

  • Pay Early and Save – By making one initial payment rather than paying monthly you can actually save on your bill.
  • Defensive Driving Course – Completing a safe driver course is a good idea and can lower rates and make you a better driver.
  • Discounts for Government Workers – Federal government employees could cut as much as 10% off on Caliber coverage but check with your company.
  • Membership in Organizations – Being in a qualifying organization can get you a small discount when shopping for car insurance.
  • Good Students Pay Less – Being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Paper-free Discount – A few car insurance companies provide a small discount simply for signing on the internet.
  • Passenger Safety Discount – Cars that have air bags can receive discounts of up to 25% or more.

Please keep in mind that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and a selection of discounts are outlined below.

  • State Farm offers discounts for driver’s education, accident-free, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, multiple policy, and multiple autos.
  • Liberty Mutual has discounts for multi-car, safety features, exclusive group savings, new vehicle discount, good student, new graduate, and newly married.
  • American Family discounts include early bird, bundled insurance, defensive driver, multi-vehicle, TimeAway discount, good student, and accident-free.
  • Progressive may include discounts for online signing, good student, continuous coverage, online quote discount, and multi-vehicle.
  • Farmers Insurance may have discounts that include early shopping, homeowner, bundle discounts, business and professional, and teen driver.
  • Auto-Owners Insurance has savings for safe vehicle, paid in full, good student, anti-theft, air bags, and anti-lock brakes.
  • SAFECO policyholders can earn discounts including bundle discounts, anti-lock brakes, drive less, anti-theft, teen safe driver, and teen safety rewards.

If you need lower rates, check with each company or agent to give you their best rates. All car insurance discounts may not apply to policies in your state. To choose providers that can offer you the previously mentioned discounts, click here to view.

Save $472 a year. For real?

Consumers can’t avoid all the ads that claim the cheapest premium rates from companies such as State Farm and Allstate. All the ads have a common claim that drivers will save a bundle if you get a free car insurance quote and switch to them.

How is it possible that every company can cost less than your current company? This is the way they can do it.

Many companies give the cheapest rates for the type of driver they prefer to insure. For instance, a preferred risk should be a married female, insures multiple vehicles, and has a short commute. Any person who matches that profile may get the lowest rates and is almost guaranteed to save if they switch.

People who don’t qualify for these criteria may be forced to pay a more expensive rate and this can result in the customer not purchasing. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can make those claims.

Each company has different criteria, so you need to do a rate comparison at every renewal. You cannot predict which insurance company will give you the biggest savings.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions might help in determining if you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my teenager covered with friends in the car?
  • I have a DUI can I still get coverage?
  • How much liability coverage do I need in my state?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • How much liability do I need to cover my assets?
  • Do I pay less for low miles?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverage options for a 2010 Dodge Caliber

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Collision protection

Collision insurance pays for damage to your Caliber resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Dodge Caliber.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, hitting a deer and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like dental work, hospital visits and surgery. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, emergency aid and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Online plus local equals savings

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

There are still a few companies who may not have online rate quotes and these smaller companies prefer to sell through independent agents. Cheap 2010 Dodge Caliber insurance can be bought both online and also from your neighborhood agents, so you need to compare both in order to have the best price selection to choose from.

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