2009 Dodge Caliber Insurance Quotes - 8 Tricks for Best Rates

Are you sick and tired of sacrificing to insure your Dodge every month? You have the same problem as the majority of other drivers.

Lots of auto insurance companies contend for your business, and it can be difficult to compare rates and get the best coverage at the lowest rate

You need to do rate comparisons once or twice a year because prices change frequently. Despite the fact that you may have had the best price on Caliber coverage at your last renewal a different company probably has better rate quotes today. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

How to compare insurance coverage rate quotes

To get the cheapest auto insurance quotes, there a variety of ways to compare quotes from all the different companies. The easiest way to find competitive Dodge Caliber insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

The fastest way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This style of form keeps you from doing separate quote forms for each price estimate. One form submission will return price quotes from multiple low-cost companies.
A slightly less efficient method to compare prices requires you to visit the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll pretend you are doing a rate comparison from USAA, Progressive and Allstate. You would need to spend time going to each site individually to input your insurance information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.
The most time-consuming method to quote and compare insurance rates is to spend your day driving to and from local insurance agencies. Quoting online can eliminate the need for a local agent unless your situation requires the personal advice of a licensed agent. It is possible with some companies compare the best prices online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare the exact same coverages and limits on every price quote you get. If you are comparing higher or lower deductibles it’s not possible to determine the best price for your Dodge Caliber. Quoting even small variations in insurance coverages or limits may result in a large different in cost. And when comparing insurance coverage rates, know that comparing a large number of companies increases your odds of finding a lower rate.

Car Insurance Discounts

Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied before they will apply.

Driver Training Discounts – Participating in a course teaching defensive driving skills is a good idea and can lower rates and easily pay for the cost of the class.
Auto/Home Discount – If you combine your auto and home policies with one company they may give you a discount of nearly 15% which can help you find affordable auto insurance.
Passenger Safety Discount – Cars that have air bags or automatic seat belts can get savings of 20 to 30 percent.
Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
Low Miles Discount – Driving less can earn substantially lower rates.
Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. The good student discount can last until age 25.
Life Insurance Discount – Companies who offer life insurance give a small discount if you purchase life insurance from them.
Active Military Service – Having an actively deployed family member may lower your prices slightly.

We need to note that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it’s just not the way it works.

Popular car insurance companies and some of their more popular discounts are detailed below.

Geico offers discounts including multi-vehicle, military active duty, anti-lock brakes, five-year accident-free, federal employee, air bags, and emergency military deployment.
Auto-Owners Insurance includes discounts for multi-policy, group or association, multiple vehicles, teen driver, and air bags.
American Family may have discounts that include air bags, good driver, Steer into Savings, early bird, bundled insurance, and multi-vehicle.
Esurance may include discounts for claim free, paid-in-full, Switch & Save, multi-car, and anti-lock brakes.
Progressive offers discounts for homeowner, multi-policy, multi-vehicle, online signing, good student, and continuous coverage.
State Farm may offer discounts for driver’s education, good driver, passive restraint, multiple policy, safe vehicle, and accident-free.
AAA policyholders can earn discounts including good driver, AAA membership discount, multi-car, anti-theft, education and occupation, multi-policy, and good student.

Before you buy a policy, ask every company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your area.

Tailor your auto insurance coverage to you

When choosing coverage, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out if your situation may require specific advice.

Why does it cost so much to insure a teen driver?
Do I get a pro-rated refund if I cancel my policy early?
When do I need to add a new car to my policy?
Is there coverage for injuries to my pets?
Why am I required to buy liability insurance?
How much liability do I need to cover my assets?
Should I have a commercial auto policy?
Are rock chip repairs covered?
Will filing a claim cost me more?
Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Save $453 a year? Really?

Respected companies like State Farm and Allstate constantly bombard you with ads on TV and radio. They all tend to make the same promise of big savings if you just switch your coverage to them. How does every company charge less that you’re paying now? Just pay attention to how they say it.

Different companies have an ideal profile for a prospective insured that makes them money. A good example of a profitable insured may be between 25 and 40, has a clean driving record, and drives a lower-performance vehicle. Anybody that matches those criteria will qualify for the lowest prices and will most likely save if they switch.

Potential customers who fall short of this stringent profile will be quoted a more expensive rate which translates to the customer not buying. If you listen closely, the ads state “customers that switch” not “everybody who quotes” can save as much as they claim. This is how companies can truthfully advertise the way they do.

This really emphasizes why drivers should get a wide range of price quotes. It is impossible to predict which insurance companies will have better car insurance rates than you’re paying now.

Insurance policy specifics

Having a good grasp of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for things like EMT expenses, chiropractic care and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, legal defense fees, repair costs for stationary objects and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Caliber resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

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

Comprehensive can pay for claims such as hitting a bird, hitting a deer, fire damage, a broken windshield and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Caliber.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liablity limits.

Final thoughts

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Budget-conscious 2009 Dodge Caliber insurance is possible online in addition to local insurance agencies, and you need to price shop both to have the best selection. Some insurance providers may not have the ability to get a quote online and many times these small insurance companies work with independent insurance agents.

2009 Dodge Caliber Insurance Quotes – 8 Tricks for Best Rates