Affordable Dodge Caliber Insurance in Mesa

Discount Dodge Caliber insuranceThe preferred way to get low-cost Dodge Caliber insurance in Mesa is to compare prices at least once a year from providers that insure vehicles in Arizona. Rates can be compared by following these steps.

A good tip to remember is that you use identical coverage information on each quote and and to get rates from as many companies as possible. Doing this guarantees an apples-to-apples comparison and the most accurate and complete price analysis.

It’s hard to fathom, but nearly 70% of consumers renewed their policy with the same company for more than four years, and 38% of customers have never even compared quotes to find lower-cost rates. Consumers in America can save roughly $860 each year just by comparing rates, but they just feel it’s too hard to compare rate quotes.

The majority of larger companies such as GEICO, State Farm and Progressive allow consumers to get pricing from their websites. Doing online price comparisons for Dodge Caliber insurance in Mesa is quite easy because it’s just a matter of typing in your coverage preferences into the quote form. Once entered, their quoting system pulls reports for credit and driving violations and generates pricing information. This makes it simple to compare prices and it is important to do this in order to find the lowest payment possible.

To find out if lower rates are available, compare rates now from the companies shown below. To compare your current rates, we recommend you type in the coverages as shown on your current policy. This helps ensure you will have a fair comparison for the exact same coverage.

The following companies provide comparison quotes in Mesa, AZ. In order to find the best car insurance in Mesa, we recommend you click on several of them to get a more complete price comparison.

Coverage information

The data table below highlights detailed analysis of insurance rates for Dodge Caliber models. Learning a little about how car insurance premiums are figured helps drivers make smart choices when selecting a coverage provider.

Dodge Caliber Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $120 $240 $306 $18 $92 $776 $65
Caliber Heat $120 $240 $306 $18 $92 $776 $65
Caliber SE $120 $240 $306 $18 $92 $776 $65
Caliber Mainstreet $120 $240 $306 $18 $92 $776 $65
Caliber Rush $120 $240 $306 $18 $92 $776 $65
Caliber SXT $120 $240 $306 $18 $92 $776 $65
Caliber Uptown $120 $240 $306 $18 $92 $776 $65
Caliber R/T $138 $284 $306 $18 $92 $838 $70
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific zip code location which can affect price quotes noticeably.

Choosing deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparisons below approximate the differences in premium rates when you select higher and lower policy deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second set of rates 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 $224 $466 $300 $18 $90 $1,123 $94
Caliber Heat $224 $466 $300 $18 $90 $1,123 $94
Caliber SE $224 $466 $300 $18 $90 $1,123 $94
Caliber Mainstreet $224 $466 $300 $18 $90 $1,123 $94
Caliber Rush $224 $466 $300 $18 $90 $1,123 $94
Caliber SXT $224 $466 $300 $18 $90 $1,123 $94
Caliber Uptown $224 $466 $300 $18 $90 $1,123 $94
Caliber R/T $258 $548 $300 $18 $90 $1,239 $103
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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 $124 $246 $300 $18 $90 $778 $65
Caliber Heat $124 $246 $300 $18 $90 $778 $65
Caliber SE $124 $246 $300 $18 $90 $778 $65
Caliber Mainstreet $124 $246 $300 $18 $90 $778 $65
Caliber Rush $124 $246 $300 $18 $90 $778 $65
Caliber SXT $124 $246 $300 $18 $90 $778 $65
Caliber Uptown $124 $246 $300 $18 $90 $778 $65
Caliber R/T $144 $290 $300 $18 $90 $842 $70
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Prices do not factor in garaging location in Mesa which can revise premiums substantially.

Based on the figures above, using a $100 deductible will cost you roughly $29 more each month or $348 each year across all Dodge Caliber models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 31 months between claims, you would probably save some money if you elect the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): – $66
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One thing to be aware of is that higher deductibles results in a higher out-of-pocket expense when you have a physical damage claim. You should have some savings in the bank in the event you need to pay the deductible to have repairs made.

Cost of full coverage in Mesa

The chart below shows the difference between Dodge Caliber car insurance costs with full coverage compared to only the Arizona minimum liability coverage. Data assumes a clean driving record, no claims, $500 deductibles, drivers are single, and no discounts are applied.

Should you buy full coverage or liability only?

There is no specific rule of when to eliminate physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Dodge Caliber claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the deductible is paid. If you are paying in excess of $600 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

How You Can Control Dodge Caliber Insurance Prices

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance. If you know what influences your rates, this enables informed choices that could help you find better insurance rates. Many things are considered when premium rates are determined. Some factors are common sense like a motor vehicle report, but other factors are less obvious like where you live and annual miles driven.

The items below are a few of the things insurance companies consider when setting your premiums.

Low deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, helps pay for damage to your vehicle. Examples of covered claims could be colliding with a building, hitting a deer, or theft. Comp and collision deductibles are how much you are willing to pay out-of-pocket before your insurance pays a claim. The higher the amount the insured is willing to pay, the less money you will pay for insurance.

Insure car and home with the same company – Most major insurers give discounts to buyers that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to check prices from other companies to verify if the discount is saving money.

Protect yourself with liability insurance – Liability insurance will protect you if ever you are ruled to be at fault for physical damage or personal injury to other. It will provide legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Is insurance cheaper for men or women? – Statistics demonstrate that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Females and males are in auto accidents at a similar rate, but the men tend to have more serious accidents. In addition to higher claims, males also get more serious tickets like DUI and reckless driving. Youthful male drivers have the highest risk to insure so it costs more to insure them.

The example below visualizes the comparison of Dodge Caliber auto insurance rates for male and female drivers. The rate quotes are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no additional discounts are factored in.

Rate your vehicle for proper use – The higher the miles on your Dodge in a year the higher your rate. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles that do not get driven very much cost less to insure as compared to vehicles used primarily for driving to work. Incorrect rating for your Caliber can result in significantly higher rates. Make sure your insurance coverage is rated on the correct usage.

You might pay more if you are single – Being married may cut your premiums on your insurance bill. Marriage means you’re more mature and statistics prove married drivers tend to have fewer serious accidents.

Buying the right Caliber insurance in Arizona is an important decision

Even though it can be expensive, insurance serves a purpose in several ways.

The benefits of having insurance more than cancel out the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $830 a year so you should quote rates once a year at a minimum to help ensure money is not being wasted.