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Dodge Caliber Insurance Cost

There are many options when finding cheaper insurance coverage on your Dodge vehicle. You can buy from a local agent or go online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes can be fast and easy and there is a good chance you might just save a little.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time to get quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for your Dodge Caliber will vary greatly depending on several factors. Some of these factors include:

  • Higher performance Caliber vehicles cost more
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Your birth date
  • Whether you are married
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

A final factor that will help determine Caliber insurance cost is the model year. Newer models have a higher replacement value in comparison to later models so the cost to replace them will push premiums up. But newer vehicles may have a trim level with safety features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system so those may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Caliber below.

Auto liability

This coverage can cover damage that occurs to other's property or people by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision protection

Collision coverage covers damage to your Dodge resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Dodge Caliber comprehensive insurance. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.

How Much are Dodge Caliber Insurance Rates?