Affordable Rate Quotes for Dodge Caliber Insurance in Riverside

Insurance for Dodge CaliberThe easiest way to get budget auto insurance rates in Riverside is to compare prices once a year from different companies in California.

  1. Get an understanding of how auto insurance works and the factors you can control to keep rates down. Many factors that are responsible for high rates like high-risk driving behaviors and a poor credit rating can be remedied by making small lifestyle or driving habit changes. This article gives more information to get low prices and get discounts that may be available to you.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can give you price quotes for many different companies. View insurance agents
  3. Compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Tell your current company to cancel your existing policy. Submit a down payment and signed policy application for the new coverage. Once coverage is bound, put the certificate verifying coverage along with the vehicle’s registration papers.

The most important part of this process is to make sure you enter the same level of coverage on each price quote and and to get rate quotes from as many different companies as possible. This provides an apples-to-apples comparison and the best price selection.

A study showed that most California insurance customers have been with the same company for well over three years, and approximately 38% of consumers have never compared quotes from other companies. Most drivers in America could save approximately $860 every year just by getting comparison quotes, but they just assume it’s a time-consuming process to do a rate comparison.

If you have a policy now or just want cheaper coverage, you can follow these tips to get lower rates while maintaining coverages. Comparison shopping for the cheapest protection in Riverside is easy to do. Smart buyers just need to understand the proper way to shop their coverage around instantly.

Ways to get Dodge Caliber insurance price quotes in Riverside, California

Lowering your Dodge Caliber car insurance rates is an easy way to save money. All you need to do is spend a little time comparing rate quotes from different insurance companies.

The companies shown below provide free rate quotes in Riverside, CA. If multiple companies are shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.

Dodge Caliber insurance rates and statistics

The information below showcases estimates of insurance premium costs for Dodge Caliber models. Learning as much as possible about how insurance quotes are figured is important to be able to make informed coverage decisions.

Dodge Caliber Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $208 $454 $500 $30 $150 $1,342 $112
Caliber Heat $208 $454 $500 $30 $150 $1,342 $112
Caliber SE $208 $454 $500 $30 $150 $1,342 $112
Caliber Mainstreet $208 $454 $500 $30 $150 $1,342 $112
Caliber Rush $208 $454 $500 $30 $150 $1,342 $112
Caliber SXT $208 $454 $500 $30 $150 $1,342 $112
Caliber Uptown $208 $454 $500 $30 $150 $1,342 $112
Caliber R/T $238 $536 $500 $30 $150 $1,454 $121
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific location information which can increase or decrease rates significantly.

Higher deductibles save money

A question often asked by Riverside drivers is how high or low should comp and collision deductibles be. The rates below outline the rate difference between high and low coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.

Dodge Caliber insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $332 $686 $442 $26 $132 $1,643 $137
Caliber Heat $332 $686 $442 $26 $132 $1,643 $137
Caliber SE $332 $686 $442 $26 $132 $1,643 $137
Caliber Mainstreet $332 $686 $442 $26 $132 $1,643 $137
Caliber Rush $332 $686 $442 $26 $132 $1,643 $137
Caliber SXT $332 $686 $442 $26 $132 $1,643 $137
Caliber Uptown $332 $686 $442 $26 $132 $1,643 $137
Caliber R/T $380 $810 $442 $26 $132 $1,815 $151
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Dodge Caliber insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $184 $362 $442 $26 $132 $1,146 $96
Caliber Heat $184 $362 $442 $26 $132 $1,146 $96
Caliber SE $184 $362 $442 $26 $132 $1,146 $96
Caliber Mainstreet $184 $362 $442 $26 $132 $1,146 $96
Caliber Rush $184 $362 $442 $26 $132 $1,146 $96
Caliber SXT $184 $362 $442 $26 $132 $1,146 $96
Caliber Uptown $184 $362 $442 $26 $132 $1,146 $96
Caliber R/T $210 $426 $442 $26 $132 $1,236 $103
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes greatly.

Based on the figures above, using a $100 deductible costs roughly $42 more each month or $504 for a full year than opting for the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at least 21 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Full coverage versus liability only rates

The example below visualizes the comparison of Dodge Caliber auto insurance rates with full coverage and liability only. The data assumes no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

Deciding between full coverage and liability only

There is no set guideline to stop buying comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Dodge Caliber claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $4,000 after paying your deductible. If premium cost is more than $400 a year for full coverage, then you may need to consider dropping full coverage.

There are some conditions where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Why Informed Consumers Pay Less for Dodge Caliber Insurance

Consumers need to have an understanding of a few of the rating criteria that go into determining your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that can help you get better insurance rates. Lots of things are used in the calculation when pricing auto insurance. A few of the factors are predictable such as your driving history, but other factors are less obvious like where you live or your financial responsibility.

The items below are some of the most common factors utilized by car insurance companies to help set your rates.

Never let your insurance lapse – Allowing your coverage to lapse is a guaranteed way to increase your insurance rates. In addition to paying higher rates, not being able to provide proof of insurance could result in a fine, jail time, or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the California motor vehicle department.

Better credit means lower premiums – A driver’s credit score can be an important factor in calculating your premium rate. If your credit score is lower than you’d like, you could save money insuring your Dodge Caliber by taking the time to improve your credit score. Insureds with excellent credit scores tend to file fewer claims and have better driving records than those with poor credit.

How old are your drivers? – Older drivers are more responsible, statistically cause fewer accidents, and receive fewer citations. Teenage drivers are known to get distracted easily when driving so insurance rates are higher.

The next chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Cautious drivers pay the best prices – Even one moving violation can boost insurance rates forty percent or more. Good drivers have lower premiums than bad drivers. Drivers who have severe tickets like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to drive a vehicle legally.

The illustration below shows how speeding tickets and accidents raise Dodge Caliber insurance prices for different categories of driver ages. The costs are based on a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.

Do you need those extra policy coverages? – Policies have additional extra coverages you can purchase if you aren’t careful. Insurance for things like coverage for rental cars, accident forgiveness, and motor club memberships are probably not needed. The coverages may be enticing when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.

Male costs may be higher – Over time, data shows females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Men and women have fender benders in similar percentages, but the males have costlier accidents. They also get ticketed for serious violations like driving under the influence (DUI).

The example below illustrates the difference between Dodge Caliber insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full coverage, $1,000 deductibles, single status, and no discounts are factored in.

Low coverage deductibles can be expensive – Physical damage deductibles represent how much money you are willing to pay if the claim is covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply would be rear-ending another vehicle, fire damage, and damage from wind. The more damage repair cost the insured has to pay upfront, the lower your rates will be.

Rate your vehicle for proper use – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars partially by how you use the vehicle. Vehicles used primarily for pleasure use receive better premium rates than those that get driven frequently. It’s always a good idea to double check that your insurance declarations sheet states how each vehicle is driven, because it can save money. A policy that improperly rates your Caliber may be costing you higher rates.

Insurance is not optional but you don’t have to overpay

Despite the high cost, insurance serves a purpose in several ways.

The benefits of having insurance definitely exceed the price paid, especially for larger claims. But the average American driver overpays as much as $865 each year so it’s very important to do a rate comparison at every policy renewal to make sure the price is not too high.