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Dodge Caliber Insurance Rates

Buying car insurance by comparing rates online is easy, in addition you will probably save money. The key is to take the time to get rates from all providers so you can get the best prices.

People who are new to comparing rates may think purchasing affordable Caliber insurance is going to be difficult. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. One of the best ways to find competitive Caliber insurance cost is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Dodge Caliber can vary widely based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating
  • Men typically pay more than women
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Your profession
  • The level of coverage
  • Owning a home can lower rates

One last important factor that helps determine the rate you pay on your Dodge is the year of manufacture. Older models have a much lower replacement value so the costs to repair will push premiums down. Conversely, more recent Dodge vehicles may have options such as forward-collision avoidance, adaptive cruise control, and active head restraints which can give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Auto liability insurance - Liability insurance will cover injuries or damage you cause to a person or their property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverages - Collision insurance will pay to fix damage to your Dodge from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Caliber Insurance Rates?