Cheap 2007 Dodge Caliber Car Insurance Rates

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me when I say there are many consumers feeling the pinch from expensive insurance coverage. Many insurance companies compete for your business, so it’s not easy to compare every insurance company to discover the definitive lowest rate possible.

Comprehensive Insurance Comparison

Most major insurance companies quote price estimates on their websites. The process is pretty painless as you simply enter your personal and coverage information as requested by the quote form. When complete, their system will obtain your driving and credit reports and generates pricing information based on these factors. This simplifies rate comparisons, but the time it takes to visit several different sites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to do this if you are searching for a better rate.

The smarter way to compare insurance pricing requires only one form that gets prices from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison a lot less work. Immediately after submitting the form, it is quoted and you are able to buy any or none of the returned quotes.

If the quotes result in lower rates, you can click and sign and purchase coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.

To find out how much you can save on insurance, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you input the coverage information identical to your current policy. This ensures you will receive a fair comparison for similar coverage.

Discounts to lower 2007 Dodge Caliber insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but some must be requested specifically in order for you to get them. If you don’t get every credit available, you are paying more than you should be.

  • Auto/Home Discount – When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Seat Belts Save – Requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.

Drivers should understand that most credits do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, you’re out of luck. Any qualifying discounts will help reduce the amount you have to pay.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts might not be offered in your state.

Dodge Caliber insurance rates can be determined by these details

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that could result in big savings.

Shown below are a few of the “ingredients” that factor into premiums.

  • Do men or women drive better? – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • How many coverages with the same company – Some companies will award you with lower prices to customers who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to verify if the discount is saving money. Drivers may still find better rates by buying insurance from more than one company.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If your Dodge Caliber scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • High numbers of claims are not good – Companies provide cheaper rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Your auto insurance rates can be influenced by your job – Occupations like judges, executives and financial analysts tend to pay higher average rates because of stressful work requirements and lengthy work days. Conversely, occupations like scientists, engineers and the unemployed have the lowest average rates for Caliber insurance.
  • Increase deductibles and save – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Dodge. A few examples of covered claims would be running into the backend of another car, damage from fire, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more money you have to pay, the lower your rates will be for Caliber insurance.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out whether you might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Can my babysitter drive my car?
  • Am I covered when driving on a suspended license?
  • Should I get collision insurance on every vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Do I need replacement cost coverage on my 2007 Dodge Caliber?
  • How do I file an SR-22 for a DUI in my state?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Switch companies and save? Really?

Consumers can’t get away from ads for cheaper car insurance by Progressive, Allstate and Geico. All the companies say the same thing that you can save if you switch to their company.

How does each company make almost identical claims?

All the different companies are able to cherry pick for the type of customer that makes them money. For example, a driver they prefer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” receives the best rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t meet the requirements must pay more money which usually ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can state the savings.

This illustrates why it’s extremely important to get quotes from several different companies. It’s just too difficult to predict the company that will have the lowest Dodge Caliber insurance rates.

Car insurance coverages for a Dodge Caliber

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Liability coverages

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as pain and suffering, funeral expenses, bail bonds, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Dodge Caliber.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Auto collision coverage

Collision coverage covers damage to your Caliber resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, damage from a tornado or hurricane and hitting a deer. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, funeral costs, dental work and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Take this to the bank

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

Affordable 2007 Dodge Caliber insurance is definitely available from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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