Compare 2012 Dodge Caliber Insurance Quotes 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: Apr 16, 2024

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Trying to find better insurance prices for a Dodge Caliber could be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to find auto insurance online and you need to know the quickest way to get price quotes on a Dodge and get the lowest possible price.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Consumers only need an understanding of the tricks to shop online.

Discount car insurance quotes

Car insurance companies do not list every discount very well, so we took the time to find both the well known and also the more inconspicuous credits available to bring down your rates.

  • Include Life Insurance and Save – Insurance carriers who offer life insurance give lower premium rates if you buy life insurance from them.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get a slight reduction on a insurance quote for Caliber coverage.
  • Discounts for New Vehicles – Buying coverage on a new vehicle is cheaper since newer models have better safety ratings.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Theft Deterrent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance quote.
  • Home Ownership Discount – Owning your own home or condo can help you save on car insurance because owning a home is proof of financial responsibility.
  • College Student – Any of your kids living away from home attending college and leave their car at home can receive lower rates.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, insurance companies wouldn’t stay in business. Any amount of discount will help lower the amount you have to pay.

Some companies that may include most of the discounts above are:

  • 21st Century
  • State Farm
  • AAA
  • Liberty Mutual
  • Progressive

Before purchasing a policy, check with every company to apply every possible discount. Savings might not apply in your state. To find insurers that can offer you the previously mentioned discounts, enter your zip code here.

How to compare auto insurance price quotes

Shopping for lower auto insurance rates can be challenging if you don’t know the most efficient way. You can spend countless hours talking about coverages with agents in your area, or you can utilize the internet to achieve your goal.

Most major companies are enrolled in a marketplace where prospective buyers submit their information once, and every company provides a quote for coverage. This eliminates the need for quote requests for each company you want a rate for.

To compare rates now enter your zip code here.

The only downside to comparing rates this way is you can’t choose which companies to get pricing from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

Whichever way you choose to compare rates, ensure you’re using the same coverage limits and deductibles for every company. If you are comparing mixed coverages you will not be able to truly determine the lowest rate.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Should I buy full coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can my teen drive my company car?
  • Does insurance cover damages from a DUI accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy only the required minimum liability coverage?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code. It only takes a few minutes and can provide invaluable advice.

Insurance coverage options for a Dodge Caliber

Understanding the coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability car insurance

This coverage will cover damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability can pay for things like medical expenses, attorney fees, emergency aid, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, vandalism, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This coverage covers damage to your Caliber resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Dodge Caliber.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as dental work, X-ray expenses, hospital visits, surgery and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

In conclusion

We covered a lot of information how to save on 2012 Dodge Caliber insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest priced insurance coverage comes from some of the lesser-known companies.

Drivers switch companies for a variety of reasons including denial of a claim, delays in responding to claim requests, an unsatisfactory settlement offer and lack of trust in their agent. Regardless of your reason, switching companies is not as hard as you think.

When searching for cheap insurance quotes, make sure you don’t reduce coverage to reduce premium. In many cases, someone dropped collision coverage only to regret at claim time that it was a big mistake. Your goal is to buy the best coverage you can find at the best price.

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