Save on 2012 Dodge Caliber Insurance Rates

Want the cheapest car insurance rates? Drivers have lots of choices when trying to find low-cost Dodge Caliber insurance. They can either waste time calling around to compare prices or save time using the internet to compare rates. There is a right way and a wrong way to buy car insurance and you need to know the proper way to price shop coverage on a Dodge and locate the best price possible.

If you have a policy now or are just looking to switch companies, you can use these tips to get lower rates while maximizing coverage. This information will help you learn how to get online quotes and some tricks to saving. Drivers just need to know the best way to compare price quotes on the web.

Impacting insurance rates for a Dodge Caliber

It’s important that you understand the rating factors that go into determining your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in lower car insurance prices.

Listed below are some of the factors car insurance companies consider when setting premiums.

  • Extra coverages can waste money – There are a ton of additional coverages you can purchase on your car insurance policy. Coverages for vanishing deductibles, better glass coverage and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so eliminate them to save money.
  • Liability coverage is cheap – Your policy’s liability coverage provides coverage if you are found to be at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Your occupation can affect rates – Did you know that where you work can have an impact on rates? Jobs such as lawyers, executives and stock brokers tend to pay the highest rates attributed to job stress and lengthy work days. On the other hand, jobs such as pilots, students and homemakers have the lowest average rates on Caliber coverage.
  • Do you know your deductibles? – The deductibles represent how much money you are willing to pay before your car insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more money you’re willing to pay, the bigger discount you will receive on Caliber coverage.

Do you qualify for a discount?

Companies offering auto insurance don’t always list every available discount very well, so we researched some of the more common as well as the least known savings tricks you should be using. If you don’t get every credit possible, you’re paying more than you need to.

  • Government Employees – Simply working for the federal government may qualify you for a discount on Caliber coverage with certain companies.
  • Student in College – Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Low Mileage – Fewer annual miles on your Dodge could qualify for better rates on cars that stay parked.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount because owning a home requires personal responsibility.
  • Club Memberships – Participating in a civic or occupational organization may earn a discount when shopping for insurance on Caliber coverage.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% on Caliber coverage.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

Car insurance companies who might offer some of the above discounts are:

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings might not be offered in your area.

What coverages do I need?

When choosing the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can help discover if you will benefit from professional help.

  • When do I need to add a new car to my policy?
  • Do I have coverage if my license is suspended?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Who is covered by my policy?
  • Does insurance cover tools stolen from my truck?
  • If my 2012 Dodge Caliber is totaled, can I afford another vehicle?
  • What are the financial responsibility laws in my state?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Insurance policy coverages for a Dodge Caliber

Understanding the coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision coverages – Collision insurance covers damage to your Caliber resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, theft, damage from getting keyed and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for hospital visits, surgery, nursing services, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Caliber.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance – This can cover injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Don’t break the bank

Cost effective 2012 Dodge Caliber insurance can be purchased from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, delays in responding to claim requests or even being labeled a high risk driver. Regardless of your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented many ideas to get a better price on insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance coverage is with the least-expected company.

Additional insurance coverage information can be found on the following sites: