2012 Dodge Caliber Insurance Cost – 10 Tips to Save

Trying to come up with a payment for overpriced insurance can diminish your bank account and make it hard to pay other bills. Performing a price comparison is a great way to tighten up your finances.

Due to the large number of different company options, it can be diffult for drivers to find the lowest cost insurance company.

The quickest method to compare rate quotes is to know all the major auto insurance companies provide online access to provide you with a free rate quote. All consumers are required to do is give the companies some data such as how much school you completed, the year, make and model of vehicles, whether you are married, and if you lease or own. That rating information gets sent immediately to many different companies and they return quotes instantly.

If you wish to get multiple quotes for your Dodge Caliber now, click here and see if a lower rate is available.

Do you qualify for these ten discounts?

Some insurance providers don’t necessarily list all disounts very clearly, so we researched some of the more common and the harder-to-find discounts that you may qualify for. If you do not check that you are getting every discount possible, you are not getting the best rate possible.

• Discount for Home Ownership – Just being a homeowner can save a few bucks because maintaining a house shows financial diligence.
• Military Deployment Discount – Having a family member in the military could trigger a small discount.
• Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
• Data Collection Discounts – Drivers that enable driving data submission to spy on when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
• One Accident Forgiven – This isn’t a discount exactly, but some companies like Geico, Progressive, and Allstate allow you one accident without raising rates so long as you are claim-free for a certain period of time.
• No Claims – Insureds who avoid accidents and claims have much lower rates as opposed to insureds who have frequent claims or accidents.
• College Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
• Discount for Life Insurance – Insurance companies who offer life insurance give a discounted price on car insurance if you buy auto and life insurance together.
• Air Bag Discount – Vehicles equipped with air bags can qualify for discounts as much as 30%.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, nobody gets a free ride.

Popular auto insurance companies and some of the premium reductions they offer are shown below.

• American Family offers discounts including mySafetyValet, defensive driver, accident-free, good student, Steer into Savings, bundled insurance, and air bags.
• Farm Bureau may offer discounts for driver training, youthful driver, multi-vehicle, multi-policy, and safe driver.
• State Farm policyholders can earn discounts including driver’s education, student away at school, good driver, passive restraint, multiple policy, and multiple autos.
• Travelers discounts include hybrid/electric vehicle, good student, early quote, continuous insurance, save driver, and multi-car.
• The Hartford offers discounts for good student, driver training, vehicle fuel type, anti-theft, and defensive driver.
• Geico may have discounts that include five-year accident-free, emergency military deployment, driver training, multi-policy, and federal employee.
• Progressive offers premium reductions for multi-vehicle, online quote discount, good student, continuous coverage, and online signing.

If you want affordable auto insurance quotes, ask every prospective company to apply every possible discount. Some credits may not apply to policies in your state. To find providers who offer cheap auto insurance quotes, follow this link.

Don’t assume everyone needs the same car insurance coverage

When choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine whether or not you will benefit from professional help.

• How much underlying liability do I need for an umbrella policy?
• Is my camper covered by my car insurance policy?
• Can I still get insurance after a DUI?
• Are rock chip repairs covered?
• Is my state a no-fault state?
• What exactly is covered by my policy?
• Can I rate high risk drivers on liability-only vehicles?
• Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from getting keyed, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2012 Dodge Caliber.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, backing into a parked car, hitting a mailbox, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Liability insurance

Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show 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 total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as medical services, medical expenses, structural damage, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like pain medications, prosthetic devices, nursing services, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay