2008 Dodge Caliber Car Insurance Rates

Trying to come up with a payment for overpriced car insurance can eat up your checking account and force you to cut corners elsewhere. Doing a rate comparison can lower your rates and help to cut your insurance bill.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with catchy ads and it is difficult to ignore the flashy ads and take the time to shop coverage around.

It’s important to do rate comparisons periodically since prices are rarely the same from one policy term to another. Just because you found the best rate on Caliber coverage a few years ago there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate how to quote online to lower your rates without sacrificing coverage.

The fastest way that we advise to get rate comparisons is to know the trick almost all companies have advanced systems to give free rates quotes. To begin a comparison, all you need to do is give them some information like what you do for a living, whether you drive to work or school, whether you are married, and how much you drive. Your details is sent automatically to many of the top insurers and you will get price comparisons within a short period of time.

Get affordable rates with these discounts

Car insurance companies don’t always advertise every discount they offer very clearly, so the list below details both well-publicized and also the more inconspicuous discounts that may be available. If you’re not getting every credit possible, you could be saving more on your insurance.

• Payment Method – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.
• Defensive Driver Discounts – Taking part in a course in defensive driving can save you 5% or more and make you a better driver.
• Drivers Education – Have your child sucessfully take a drivers education course in high school.
• Senior Citizens – Drivers over the age of 55 may receive reduced rates on Caliber coverage.
• Data Collection Discounts – Drivers who elect to allow data collection to look at driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise could possibly reduce rates if their driving habits are good.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 25 to 30%.
• Paperless Signup – A few larger online companies will give a small break for completing your application on your computer.
• Memberships – Participating in specific professional or occupational memberships or organizations could qualify you for a break when getting a insurance coverage quote.
• Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
• Multiple Policy Discount – If you have multiple policies with one insurance company you could save up to 20% and get you cheap insurance coverage.

It’s important to note that some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will definitely lower the amount you have to pay.

Companies and their offered discounts are included below.

• Farmers Insurance has discounts for homeowner, pay in full, distant student, alternative fuel, and youthful driver.
• Esurance discounts include Pac-12 alumni, multi-car, defensive driver, online quote, renters, and safety device.
• State Farm policyholders can earn discounts including Steer Clear safe driver discount, anti-theft, defensive driving training, multiple policy, and driver’s education.
• Geico offers discounts for emergency military deployment, air bags, multi-policy, anti-theft, federal employee, anti-lock brakes, and membership and employees.
• Allstate offers premium reductions for defensive driver, premier discount, senior citizen, anti-lock brakes, and new car.

If you want cheap insurance coverage quotes, ask each company or agent which discounts you may be entitled to. All car insurance discounts may not be available in your area. To locate providers that offer the discounts shown above, follow this link.

Car insurance can be complex

When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether or not you could use an agent’s help.

• Is my state a no-fault state?
• How much can I save by bundling my policies?
• Which is better, split liability limits or combined limits?
• Is a fancy paint job covered?
• How do I insure my teen driver?
• Is other people’s property covered if 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 insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Insurance coverage basics

Understanding the coverages of your insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – This coverage provides protection from damage that occurs to a person or their property. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged 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 can pay for things like medical expenses, pain and suffering and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage – Collision coverage covers damage to your Caliber from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a mailbox, crashing into a building and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses for things like prosthetic devices, hospital visits and ambulance fees. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Don’t be a big spender

Low-cost 2008 Dodge Caliber insurance can be purchased on the web and from local agencies, and you should compare rates from both so you have a total pricing picture. There are still a few companies who may not have online rate quotes and usually these small, regional companies only sell coverage through independent insurance agents.

As you restructure your insurance plan, you should never reduce needed coverages to save money. Too many times, consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Throughout this article, we presented many tips how you can save on 2008 Dodge Caliber insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest prices are with a small mutual company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

More information can be read at these links:

• Child Safety Seats (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Smart Auto Insurance Tips (Insurance Information Insitute)