Compare 2011 Dodge Caliber Car Insurance Quotes

Searching for cheaper insurance rates for your Dodge Caliber? Locating cheaper insurance for your Dodge Caliber can be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to find insurance online so you’re going to learn the proper way to quote coverages for a Dodge and find the lowest price.

Finding the best rates is quite easy. If you have insurance now or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. Drivers just need to understand the best way to get comparison quotes over the internet.

These discounts can lower car insurance rates

Companies offering auto insurance don’t necessarily list all their discounts very well, so the below list has some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

• Senior Citizen Rates – Drivers that qualify as senior citizens may receive reduced rates for Caliber insurance.
• Accident Forgiveness Coverage – Not a discount per se, but companies like State Farm and Allstate will forgive one accident before your rates go up if you have no claims for a set time period.
• Good Student Discount – Getting good grades may save as much as 25% on a car insurance quote. This discount can apply well after school through age 25.
• Safety Course Discount – Passing a course teaching driver safety skills is a good idea and can lower rates and easily recoup the cost of the course.
• Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
• Multi-Vehicle Discounts – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
• Government Employees – Employees or retirees of the government could qualify for a slight premium decrease for Caliber insurance with a few car insurance companies.
• Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% for Caliber insurance than drivers with accidents.
• Paperless Signup – A few larger online companies will provide an incentive for completing your application over the internet.

As a footnote on discounts, some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

The best car insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm has discounts for good student, passive restraint, multiple policy, safe vehicle, multiple autos, and driver’s education.
• Farmers Insurance may have discounts that include multi-car, distant student, youthful driver, electronic funds transfer, business and professional, mature driver, and alternative fuel.
• Geico has savings for anti-theft, multi-policy, good student, federal employee, multi-vehicle, and military active duty.
• American Family policyholders can earn discounts including multi-vehicle, bundled insurance, early bird, mySafetyValet, good student, and Steer into Savings.
• Nationwide offers premium reductions for easy pay, family plan, Farm Bureau membership, anti-theft, defensive driving, and business or organization.
• Progressive includes discounts for good student, online quote discount, online signing, multi-vehicle, continuous coverage, homeowner, and multi-policy.

It’s a good idea to ask every prospective company how many discounts you can get. Discounts may not be offered in your area. To locate providers who offer free car insurance quotes, click here to view.

Compare car insurance rates

Lowering your 2011 Dodge Caliber car insurance rates isn’t really that difficult. Drivers just need to spend a little time comparing free car insurance quotes to find the company with the cheapest car insurance quotes. Rate comparisons can be done using one of these methods.

1. The best way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This form saves time by eliminating separate quotation requests for each company you want a rate for. Filling out one form compares rates from multiple companies. It’s definitely the quickest method.
2. A slightly less efficient method to analyze rates requires you to visit the website for every company you want to comare and request a quote. For example, we’ll pretend you are doing a rate comparison from Auto-Owners, Farmers and Liberty Mutual. To find out each rate you need to take the time to go to each site and punch in your information repeatedly, which is why the first method is more popular.

   To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just be sure you’re using identical quote information for every company. If your comparisons have differing limits you will not be able to make an equal comparison.

When do I need an agent’s advice?

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

• What is roadside assistance coverage?
• When can I cancel my policy?
• Does medical payments coverage apply to all occupants?
• Does my 2011 Dodge Caliber need full coverage?
• Are split liability limits better than a combined single limit?
• Do I get a pro-rated refund if I cancel my policy early?
• Does coverage extend to my business vehicle?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Having a good grasp of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like hospital visits, dental work and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as funeral expenses, structural damage, bail bonds, medical expenses and loss of income. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, falling objects and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2011 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 important protection for you and your family.

Auto collision coverage

This will pay to fix damage to your Caliber resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In many instances, someone sacrificed uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Throughout this article, we presented some good ideas how to save on 2011 Dodge Caliber insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding the cheapest car insurance. You may even discover the best premium rates are with a lesser-known regional company.

A few companies don’t offer online quoting and most of the time these regional carriers prefer to sell through independent insurance agents. The cheapest 2011 Dodge Caliber insurance is definitely available from both online companies and from local insurance agents, so you need to compare both to have the best rate selection.

Additional information can be read below:

• Should I Buy a New or Used Car? (Allstate)
• Prom Night Tips for Teen Drivers (State Farm)
• Child Safety Seats (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Rental Reimbursement Coverage (Allstate)