Lower Your 2008 Dodge Caliber Car Insurance Quotes

Consumers have lots of choices when looking for low-cost Dodge Caliber insurance. They can either spend hours driving around getting price quotes or save time using the internet to make rate comparisons. There are both good and bad ways to compare auto insurance rates so you’re going to learn the absolute fastest way to compare rates for a new or used Dodge and locate the lowest price either online or from local insurance agents.

You need to price shop coverage at least once a year because rates are adjusted regularly by insurance companies. Even if you got the best price for Caliber coverage on your last policy you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use the internet to eliminate unnecessary coverages and save money.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you will be able to save some money using these tips. Drivers only need to know the tricks to compare prices over the internet.

Pay less by taking advantage of discounts

Auto insurance companies don’t list all their discounts very clearly, so the following is a list of both well-publicized and the harder-to-find insurance savings. If you’re not getting every credit available, you are paying more than you should be.

  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Caliber coverage than drivers with accidents.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Homeowners Pay Less – Owning a house may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Low Mileage Discounts – Keeping the miles down on your Dodge can earn better rates on cars that stay parked.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Caliber coverage with certain companies.
  • Defensive Driving Course – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount on insurance for Caliber coverage.
  • Military Discounts – Being on active duty in the military can result in better rates.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

A partial list of companies who might offer some of the above discounts include:

Before buying, ask each company how you can save money. Savings may not apply in every state.

Your coverage should be tailored to you

When choosing coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Is motorclub coverage worth it?
  • Where can I get insurance after a DUI in my state?
  • Is rental equipment covered for theft or damage?
  • Why am I required to buy liability insurance?
  • How much liability insurance is required?
  • Do I need replacement cost coverage on my 2008 Dodge Caliber?
  • When would I need rental car insurance?
  • What is the rate difference between pleasure use and commuting?
  • Should I get collision insurance on every vehicle?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Caliber.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, EMT expenses and dental work. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible


Liability coverage protects you from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, court costs and loss of income. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a deer, fire damage, damage from getting keyed and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance will pay to fix damage to your Caliber from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, driving through your garage door, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

More comparisons equals lower rates

You just read some good ideas how you can get a better price on 2008 Dodge Caliber insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even discover the lowest priced insurance comes from some of the lesser-known companies.

Discount insurance is available on the web and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online quoting and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. In many cases, an insured dropped uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your aim should be to find the BEST coverage for the lowest price while still protecting your assets.

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