2010 Dodge Caliber Insurance Rates – 6 Savings Tips

Want cheaper auto insurance rates for your Dodge Caliber? I can’t think of anyone who looks forward to paying for auto insurance, especially knowing the cost is way too high.

Multiple insurers compete to insure your vehicles, so it’s not easy to compare every company to get the cheapest price

It’s important to shop coverage around occasionally since rates fluctuate regularly. Just because you had the best price for Caliber insurance six months ago there may be better deals available now. There is a lot of bad information regarding auto insurance online but we’re going to give you some guaranteed methods to quit paying high auto insurance rates.

If you currently have car insurance, you stand a good chance to be able to save some money using this information. Finding the best rates is quite easy. But drivers must understand the way insurance companies sell insurance online and take advantage of how the system works.

Pay less for 2010 Dodge Caliber insurance

Car insurance companies don’t always publicize all available discounts very well, so here is a list some of the more common and the more hidden insurance coverage savings.

  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Distant Student – Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
  • One Accident Forgiven – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
  • No Claims – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Club Memberships – Participating in a qualifying organization may earn a discount on insurance coverage for Caliber insurance.

It’s important to note that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurance companies with the best insurance coverage discounts, click this link.

Tailor your coverage to you

When buying the best insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Why am I required to buy liability insurance?
  • What is no-fault insurance?
  • Who is covered when they drive my 2010 Dodge Caliber?
  • Can I afford to buy a different vehicle if my 2010 Dodge Caliber is totaled?
  • Does liability extend to a camper or trailer?
  • Why am I required to get a high-risk car insurance policy?
  • I have health insurance so do I need medical payments coverage?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverage basics

Understanding the coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for dental work, doctor visits, hospital visits, rehabilitation expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers 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

Liability auto insurance

Liability coverage will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like attorney fees, medical services, repair costs for stationary objects, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2010 Dodge Caliber.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision protection

This coverage will pay to fix damage to your Caliber resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car, rolling your car, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Don’t break the bank

We just presented many tips how you can save on 2010 Dodge Caliber insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from some of the lesser-known companies. Some small companies often have lower prices on specific markets than the large multi-state companies such as Progressive or Geico.

Budget-conscious insurance can be bought online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits only to discover later that it was a big mistake. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Much more information about insurance can be found on the following sites: