Cheapest 2007 Dodge Caliber Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Nobody I know cherishes buying auto insurance, particularly when they are paying too much. You have so many car insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it makes it harder to get the best deal.

Discounts are basically free money

Insurance can be prohibitively expensive, but you may find discounts to reduce the price significantly. Some trigger automatically when you get a quote, but less common discounts must be specially asked for in order for you to get them. If you don’t get every credit available, you are throwing money away.

  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance.
  • Claim Free – Good drivers with no accidents pay less when compared to frequent claim filers.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Good Student – This discount can earn a discount of 20% or more. The good student discount can last until age 25.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Caliber coverage than drivers with accident claims.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could qualify for a substantially lower rate.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

Companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Savings might not be offered everywhere.

Cheap Car Insurance Comparisons

All major car insurance companies allow you to get insurance quotes on the web. The process is quite simple as you simply type in the coverage amounts you desire as requested by the quote form. After you submit the form the company’s rating system sends out for information on your driving record and credit history and quotes a price based on these and other factors. Online price quotes makes comparing rates easy, but the time required to go to different websites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to perform this step in order to find the lowest car insurance rates.

There is a better way to compare rates

A quicker way to find lower prices uses one simple form to return rates from multiple companies. It saves time, eliminates form submissions, and makes online quotes much more efficient. After sending your information, it is rated with multiple companies and you can pick your choice of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and could lower your rates considerably.

If you want to compare pricing, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you enter your coverages exactly as shown on your declarations page. Doing this assures you will get a rate comparison based on the exact same insurance coverage.

Which insurance is the “right” coverage?

When buying adequate coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I pay less for low miles?
  • Does my 2007 Dodge Caliber qualify for pleasure use?
  • Am I covered when pulling a rental trailer?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

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What insurance coverages do you need?

Having a good grasp of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird, vandalism and hail damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This coverage can cover injuries or damage you cause to other people or property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage provide coverage for bills such as pain medications, EMT expenses, hospital visits and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your Caliber resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Caliber.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

In conclusion

Cheaper 2007 Dodge Caliber insurance can be purchased both online as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut full coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage for the lowest price while still protecting your assets.

Other information

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance for my 2007 Dodge Caliber?

Finding the cheapest insurance for your 2007 Dodge Caliber requires comparing quotes from multiple insurance providers. You can start by contacting various insurance companies or using online comparison tools to obtain and compare quotes. Keep in mind that insurance premiums are influenced by several factors, including your driving history, location, age, and the coverage options you choose.

What factors affect the insurance rates for a 2007 Dodge Caliber?

Several factors can influence the insurance rates for a 2007 Dodge Caliber. These include your age, driving history, location, credit score, the level of coverage you select, the deductible amount, and the specific insurance company you choose. Additionally, the safety features of the vehicle, such as anti-theft devices or airbags, may also impact the insurance rates.

Are there any specific discounts available to lower the insurance costs for a 2007 Dodge Caliber?

Insurance companies often offer various discounts that can help lower the insurance costs for a 2007 Dodge Caliber. Some common discounts include safe driver discounts, multi-policy discounts (if you insure your car and home with the same company), good student discounts, and discounts for having certain safety features in your vehicle. It’s always a good idea to inquire about available discounts when obtaining insurance quotes.

Is it possible to save money on insurance for an older vehicle like a 2007 Dodge Caliber?

Yes, it is possible to save money on insurance for an older vehicle like a 2007 Dodge Caliber. Older vehicles generally have lower market values, which can result in lower insurance premiums. Additionally, you may choose to adjust the coverage options on an older vehicle to fit your needs and budget. However, it’s important to ensure that you have adequate coverage to protect yourself and your vehicle in case of an accident.

Can my credit score affect the insurance rates for a 2007 Dodge Caliber?

Yes, your credit score can potentially affect the insurance rates for a 2007 Dodge Caliber. Many insurance companies consider credit scores as part of their risk assessment process. Individuals with better credit scores are often viewed as more responsible and less likely to file insurance claims, leading to potentially lower insurance premiums. It’s a good practice to maintain a healthy credit score to help secure better insurance rates.

Can I change my insurance coverage for my 2007 Dodge Caliber mid-policy?

Yes, in most cases, you can make changes to your insurance coverage for your 2007 Dodge Caliber mid-policy. Insurance companies usually allow policyholders to make adjustments to their coverage options, deductibles, or limits during the policy term. However, it’s essential to review your policy and contact your insurance provider to understand any potential consequences or fees associated with making changes.

How can I lower my insurance premiums for my 2007 Dodge Caliber?

There are several ways you can potentially lower your insurance premiums for your 2007 Dodge Caliber:

  • Compare quotes: Obtain quotes from multiple insurance providers and compare them to find the most affordable option.
  • Increase deductibles: Consider raising your deductibles, which is the amount you pay out of pocket before insurance kicks in. Higher deductibles usually result in lower premiums.
  • Ask about discounts: Inquire about available discounts such as safe driver discounts, good student discounts, or discounts for installing anti-theft devices in your vehicle.
  • Bundle policies: If you have other insurance needs, such as home or renters insurance, consider bundling them with the same insurance provider. Many companies offer discounts for multiple policies.
  • Maintain a good driving record: Avoid traffic violations and accidents as they can increase your insurance rates. Safe driving over time can lead to lower premiums.
  • Remove unnecessary coverage: Assess your coverage options and consider removing any that may not be necessary for an older vehicle like the 2007 Dodge Caliber. For example, if your vehicle’s value is low, you may choose to forego comprehensive coverage.
  • Seek out group insurance: Some organizations or professional associations offer group insurance plans that can provide discounted rates. Check if you qualify for any group insurance opportunities.
  • Consider usage-based insurance: Some insurance companies offer usage-based insurance programs where your premiums are based on your actual driving habits. If you’re a safe driver who doesn’t frequently drive long distances, this could potentially save you money.

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