Dodge Caliber Insurance Quotes in Philadelphia

Insurance quote for Dodge Caliber in PhiladelphiaIf online car insurance comparisons are new to you, it’s easy to be bewildered thanks to all the different types of online companies that all say they have the best rates for Dodge Caliber insurance in Philadelphia.

It’s shocking but the vast majority of drivers kept their coverage with the same car insurance company for four years or more, and 38% of drivers have never compared rates from other carriers. With the average car insurance premium being $1,363, Pennsylvania drivers could save $700 a year, but they just don’t want to compare rates and save money.

It’s important to do price comparisons before your next renewal because insurance prices are rarely the same from one policy term to another. Just because you found the best rate on Dodge Caliber insurance in Philadelphia two years ago you may be paying too much now. Forget all the misinformation about car insurance because we’re going to show you the proper way to save money, get proper coverage and the best rates.

If you have insurance now, you will most likely be able to find the best rates using the tips covered below. The purpose of this post is to tell you how auto insurance companies operate and some tips to save money. Although Pennsylvania car owners do need to learn how insurance companies sell insurance online.

The method we recommend to get rate comparisons for Dodge Caliber insurance in Philadelphia is to know the trick most insurance companies participate in a system to compare their rates. The only thing you need to do is give them rating details including whether you are single or married, whether the vehicles are used for commuting, how much you drive, and your job. The rating information is submitted instantly to insurance carriers in your area and they return quotes very quickly.

To compare multiple company affordable Dodge Caliber insurance rates now, click here and complete the form.

The following companies offer comparison quotes in Pennsylvania. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Get lower-cost rates with discounts

Companies that sell car insurance don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the list below details both well-publicized as well as the least known car insurance savings.Discount car insurance

It’s important to note that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

The example below shows the difference between Dodge Caliber yearly insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, multi-car, and marriage discounts applied.

Large car insurance companies and some of the discounts are shown below.

When getting a coverage quote, ask each company or agent the best way to save money. All car insurance discounts might not be offered everywhere.

Car insurance data for a Dodge Caliber

The coverage table displayed next showcases different insurance costs for Dodge Caliber models. Learning more about how auto insurance prices are formulated is important for you to make informed coverage decisions.

Dodge Caliber Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $156 $270 $432 $26 $130 $1,014 $85
Caliber Heat $156 $270 $432 $26 $130 $1,014 $85
Caliber SE $156 $270 $432 $26 $130 $1,014 $85
Caliber Mainstreet $156 $270 $432 $26 $130 $1,014 $85
Caliber Rush $156 $270 $432 $26 $130 $1,014 $85
Caliber SXT $156 $270 $432 $26 $130 $1,014 $85
Caliber Uptown $156 $270 $432 $26 $130 $1,014 $85
Caliber R/T $180 $318 $432 $26 $130 $1,086 $91
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in specific location which can modify insurance rates significantly.

Policy deductible comparison

The hardest decision when buying coverage is how low should you set your deductibles. The premium rates below outline the cost difference when you choose different comp and collision deductibles. The first pricing table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Dodge Caliber insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $246 $512 $330 $20 $98 $1,231 $103
Caliber Heat $246 $512 $330 $20 $98 $1,231 $103
Caliber SE $246 $512 $330 $20 $98 $1,231 $103
Caliber Mainstreet $246 $512 $330 $20 $98 $1,231 $103
Caliber Rush $246 $512 $330 $20 $98 $1,231 $103
Caliber SXT $246 $512 $330 $20 $98 $1,231 $103
Caliber Uptown $246 $512 $330 $20 $98 $1,231 $103
Caliber R/T $284 $602 $330 $20 $98 $1,359 $113
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Dodge Caliber insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $136 $270 $330 $20 $98 $854 $71
Caliber Heat $136 $270 $330 $20 $98 $854 $71
Caliber SE $136 $270 $330 $20 $98 $854 $71
Caliber Mainstreet $136 $270 $330 $20 $98 $854 $71
Caliber Rush $136 $270 $330 $20 $98 $854 $71
Caliber SXT $136 $270 $330 $20 $98 $854 $71
Caliber Uptown $136 $270 $330 $20 $98 $854 $71
Caliber R/T $158 $318 $330 $20 $98 $924 $77
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can affect prices noticeably.

Based on these figures, using a $100 deductible will cost you approximately $32 more each month or $384 a year than quoting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 28 months between claims, you would come out ahead if you decide on a higher deductible.

Full coverage rates vs. liability-only in Philadelphia

The information below illustrates the comparison of Dodge Caliber insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no clear-cut rule for eliminating physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s assume your Dodge Caliber settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after you pay the deductible. If you are currently paying more than $300 annually for physical damage coverage, then it might be time to buy liability only.

There are some conditions where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

Neighborhood insurance agents

Many people still like to sit down with an agent and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is you can get cheap rate quotes and also buy local.

To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to local insurance agents in Philadelphia that can give you free Philadelphia auto insurance quotes for your business. It’s much easier because you don’t need to find an agent since rate quotes are delivered to your email. You can most likely find cheaper rates without the usual hassles of price shopping. If you want to quote rates from a particular provider, feel free to jump over to their website and give them your coverage information.

Picking the best insurer needs to be determined by more than just a low price. Here are some questions you might want to ask.

The different types of auto insurance agents

When searching for a reputable agency, it helps to know the two different types of agencies and how they can write your policy. Auto insurance agencies can be described as either exclusive agents or independent agents.

Exclusive Agents

Agents that choose to be exclusive can only provide pricing for a single company such as Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are well schooled on what they offer and that enables them to sell even at higher rates. Many people purchase coverage from exclusives mainly due to the prominent brand name and solid financial strength.

Below are exclusive insurance agencies in Philadelphia that can give you comparison quotes.

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Independent Agents

Agents that choose to be independent do not have single company limitations so they have the ability to put coverage with a variety of different insurance companies enabling the ability to shop coverage around. If prices rise, an independent agent can move your coverage and you can keep the same agent.

If you need cheaper auto insurance rates, you definitely need to get quotes from at least one independent agent to get the most accurate price comparison. Many can place coverage with lesser-known insurance companies which may provide better rates.

The following are independent agencies in Philadelphia that are able to give price quotes.

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If you receive satisfactory answers to any questions you have as well as an affordable premium quote, you’ve probably found an insurance agency that is professional and can properly insure your vehicles.

When do I need an agent’s advice?

When buying adequate coverage for your personal vehicles, there really isn’t a perfect coverage plan. Every situation is different.Safe vehicles cost less to insure

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

What Impacts Dodge Caliber Insurance Prices?

Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other factors are not quite as obvious such as your credit history or how safe your car is.

Why you need to buy insurance

Despite the high insurance cost for a Dodge Caliber in Philadelphia, maintaining insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.

The benefits of having insurance greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying more than $810 a year so smart consumers compare quotes at every renewal to ensure rates are competitive.

Quote. Compare. Save.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, high prices, unfair underwriting practices or extreme rates for teen drivers. It doesn’t matter what your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

Cheaper Dodge Caliber insurance in Philadelphia is available both online as well as from independent agents in Philadelphia, and you should compare rates from both so you have a total pricing picture. Some car insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent insurance agents.

You just learned some good ideas how to lower your Dodge Caliber insurance rates in Philadelphia. The key thing to remember is the more quotes you get, the better your comparison will be. You may even be surprised to find that the lowest rates come from an unexpected company.

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