2008 Dodge Caliber Insurance Quotes – 6 Savings Tips

Finding the cheapest insurance for your Dodge Caliber could be a painful process, but you can use a few tricks to save time.

There is a better way to shop for insurance and we’ll show you the absolute fastest way to price shop coverage for a new or used Dodge and find the best price possible from local insurance agents and online providers.

Consumers need to price shop coverage once or twice a year since rates fluctuate regularly. Despite the fact that you may have had the best price for Caliber insurance on your last policy you will most likely find a better rate today. Starting now, ignore everything you know about insurance because you’re going to get a crash course in the fastest way to reduce your cost while increasing coverage.

If you have a policy now or are looking for a new policy, you can learn to cut your premiums while maintaining coverages. Locating the cheapest auto insurance coverage is not that difficult. Drivers just need to understand how to shop for auto insurance online.

Fast and Easy Insurance Coverage Quotes

Finding lower insurance coverage rates isn’t really that difficult. Consumers just need to invest a few minutes comparing rates from different insurance companies. This can be done in a couple of different ways.

• The best way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do a different quote for each company. One simple form will return quotes direct from many companies. This is by far the quickest method.
• A different way to compare rate quotes requires a visit to the website of each company to request a price quote. For instance, we’ll assume you want to compare Liberty Mutual, Farmers and Progressive. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
• The hardest method to get comparison rates is to spend time driving to local insurance agencies. The internet can eliminate the need for a local agent unless you prefer the personal advice of a local agent. You can, however, comparison shop online and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but make sure you use the exact same coverage limits and deductibles for each comparison quote. If you are comparing unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Dodge Caliber.

Discounts on 2008 Dodge Caliber insurance

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Some trigger automatically when you quote, but less common discounts must be manually applied prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

• Bundle and Save – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
• Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
• New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
• Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
• Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Caliber insurance than drivers with accidents.

It’s important to understand that some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will help reduce your premiums.

To see a list of insurance companies who offer auto insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

• Is borrowed equipment or tools covered if stolen or damaged?
• Which is better, split liability limits or combined limits?
• Is a fancy paint job covered?
• Is my Dodge Caliber covered if I use it for business?
• Will my rates increase for filing one claim?
• Should I buy additional glass protection?
• Am I covered if I hit my neighbor’s mailbox?
• Does insurance cover tools stolen from my truck?
• Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage options for a 2008 Dodge Caliber

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Caliber.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, rock chips in glass and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like chiropractic care, EMT expenses, prosthetic devices and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage can cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like pain and suffering, bail bonds, court costs, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.