Cheap Quotes for Dodge Caliber Insurance in Colorado Springs

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Insurance for Dodge CaliberA recent car insurance study revealed that the vast majority of consumers have been with the same company for four years or more, and almost half have never compared rates from other carriers. Colorado Springs drivers could save $610 every year, but they assume it's a waste of time to save money by comparing rate quotes.

It takes a little time, but the best way to get affordable Dodge Caliber insurance is to compare prices regularly from insurance carriers who sell auto insurance in Colorado Springs. Prices can be compared by following these steps.

  • Step 1: Try to understand the coverage provided by your policy and the steps you can take to keep rates in check. Many rating criteria that increase rates like speeding and poor credit can be rectified by improving your driving habits or financial responsibility.
  • Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while agents who are independent can quote rates from many different companies.
  • Step 3: Compare the quotes to your existing policy and see if there is a cheaper rate. If you can save some money, make sure coverage is continuous and does not lapse.
  • Step 4: Notify your agent or company of your decision to cancel the current policy and submit a completed policy application and payment to the newly selected company. As soon as coverage is bound, put the proof of insurance certificate with the vehicle registration.

A good tip to remember is to use identical coverages on each quote and to quote with as many companies as possible. This enables a level playing field and a complete price analysis.

If you have insurance now, you will definitely be able to shop for the lowest rates using the ideas you're about to read. Our goal is to introduce you to the best way to quote coverages and how to save the most money. But Colorado drivers benefit from understanding the way insurance companies compete online because it varies considerably.

It's important to know that obtaining a wide range of quotes helps increase your odds of locating the best offered rates.

The companies shown below have been selected to offer price quotes in Colorado Springs, CO. If multiple companies are listed, we recommend you compare several of them in order to find the lowest rates.

Dodge Caliber detailed coverage information

The rate table below covers estimates of coverage costs for Dodge Caliber models. Having a good understanding how insurance premiums are calculated can help guide drivers when making decisions on which coverage to buy.

Dodge Caliber Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $216 $420 $362 $22 $108 $1,128 $94
Caliber Heat $216 $420 $362 $22 $108 $1,128 $94
Caliber SE $216 $420 $362 $22 $108 $1,128 $94
Caliber Mainstreet $216 $420 $362 $22 $108 $1,128 $94
Caliber Rush $216 $420 $362 $22 $108 $1,128 $94
Caliber SXT $216 $420 $362 $22 $108 $1,128 $94
Caliber Uptown $216 $420 $362 $22 $108 $1,128 $94
Caliber R/T $246 $496 $362 $22 $108 $1,234 $103
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates noticeably.

Deductible analysis

When comparing insurance rates, the most common question is which deductible level should you buy. The tables below show the price difference between high and low physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Dodge Caliber insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $236 $458 $352 $20 $106 $1,197 $100
Caliber Heat $236 $458 $352 $20 $106 $1,197 $100
Caliber SE $236 $458 $352 $20 $106 $1,197 $100
Caliber Mainstreet $236 $458 $352 $20 $106 $1,197 $100
Caliber Rush $236 $458 $352 $20 $106 $1,197 $100
Caliber SXT $236 $458 $352 $20 $106 $1,197 $100
Caliber Uptown $236 $458 $352 $20 $106 $1,197 $100
Caliber R/T $272 $538 $352 $20 $106 $1,313 $109
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Dodge Caliber insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $192 $368 $352 $20 $106 $1,038 $87
Caliber Heat $192 $368 $352 $20 $106 $1,038 $87
Caliber SE $192 $368 $352 $20 $106 $1,038 $87
Caliber Mainstreet $192 $368 $352 $20 $106 $1,038 $87
Caliber Rush $192 $368 $352 $20 $106 $1,038 $87
Caliber SXT $192 $368 $352 $20 $106 $1,038 $87
Caliber Uptown $192 $368 $352 $20 $106 $1,038 $87
Caliber R/T $220 $434 $352 $20 $106 $1,132 $94
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in garaging location in Colorado Springs which can lower or raise premium rates substantially.

Based on this data, using a $250 deductible costs roughly $13 more each month or $156 for a full year than opting for the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claims, you would most likely save money by selecting a higher deductible.

The diagram below shows how choosing a deductible and can influence Dodge Caliber insurance premiums for each different age group. The premium estimates are based on a single male driver, comp and collision included, and no discounts are applied.

Illustration showing the impact of accidents and violations

The diagram below illustrates how traffic citations and at-fault accidents can impact Dodge Caliber auto insurance costs for different age groups. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Buying the right Dodge Caliber insurance in Colorado is an important decision

Despite the fact that auto insurance is not cheap in Colorado Springs, auto insurance is required by state law in Colorado and it also provides benefits you may not be aware of.

  • Almost all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If your Dodge Caliber has a loan, it's guaranteed your bank will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may insure your Dodge at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
  • Insurance safeguards both your vehicle and your assets. It also can pay for medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of insuring your car outweigh the cost, specifically if you ever have a liability claim. An average driver in America overpays more than $810 a year so shop around at every policy renewal to ensure rates are inline.

Get Cheaper Insurance Premiums by Understanding These Factors

Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic like an MVR report, but other factors are less apparent such as whether you are married or how safe your car is. It's important that you understand some of the elements that come into play when calculating your policy premiums. If you know what determines base rates, this enables you to make decisions that may result in lower premium levels.

The list below includes a few of the "ingredients" that factor into your rates.

  • Gender and insurance coverage - Over time, data shows that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men tend to get into auto accidents at a similar rate, but men have costlier accidents. Not only are claims higher, but men get more serious tickets such as DWI and reckless driving.

    The diagram below visualizes the comparison of Dodge Caliber insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.

  • Having a spouse pays dividends - Having a spouse may save some money on your auto insurance bill. Having a spouse means you're more mature and insurance companies reward insureds because married couples file fewer claims.
  • Increase coverage deductibles to save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Dodge. A few examples of covered claims would be collision with another vehicle, collision with an animal, and windstorm damage. Comp and collision deductibles are how much you are required to spend if a claim is determined to be covered. The higher the amount the insured is willing to pay, the lower your rates will be.
  • Prevent theft and save - Owning a car with an alarm system can save you a little every year. Theft deterrent systems like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Insurance costs and vehicle performance - The performance of the car or truck you own makes a huge difference in your car insurance bill. Lower cost passenger models generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.

    The next chart assumes a married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. The data compares Dodge Caliber rates compared to other vehicles that have different performance rating factors.

  • Annual miles is a factor - The more you drive your Dodge every year the higher your rates will be. Almost all companies calculate rates partially by how you use the vehicle. Vehicles not used for work or commuting receive lower rates than cars that get driven a lot. Make sure your vehicle rating shows annual mileage, because improper ratings can cost you money. Improper usage on your Caliber can cost quite a bit.
  • Don't cut corners with liability coverage - Liability coverage provides coverage when you are responsible for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so do not skimp.

Companies offer lots of discounts on Dodge Caliber insurance in Colorado Springs

Car insurance companies don't always publicize every discount they offer in an easy-to-find place, so here is a list both the well known and the more hidden discounts that you can inquire about if you buy Colorado Springs auto insurance online. If they aren't giving you every credit you deserve, you are throwing money away.Car insurance discounts

  • College Student Discount - Children who attend college more than 100 miles from Colorado Springs without a vehicle on campus can be insured at a reduced rate.
  • Paper-free Discount - A few larger online companies will give a small break get Colorado Springs auto insurance on the web.
  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Cautious Driver Discount - Safe drivers may receive a discount up to 45% than less cautious drivers.
  • Multi-policy Discount - When you combine your auto and home insurance and insure them with the same company you may save over 10 percent off each policy depending on the company.
  • Low Mileage - Maintaining low annual mileage could qualify for cheaper car insurance rates.
  • Early Switch Discount - Select insurance companies give a discount for switching to them prior to your current Caliber insurance policy expiration. It's a savings of about 10%.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, company stockholders wouldn't be very happy.

The example below illustrates the difference between Dodge Caliber car insurance rates with and without discounts applied. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Colorado 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 safe-driver, multi-car, claim-free, homeowner, marriage, and multi-policy discounts applied.

A list of car insurance companies and the discounts they provide can be found below.

  • State Farm may offer discounts for driver's education, good driver, defensive driving training, good student, student away at school, and safe vehicle.
  • GEICO discounts include seat belt use, emergency military deployment, good student, defensive driver, and multi-vehicle.
  • Allstate offers discounts including new car, early signing, resident student, farm vehicle, utility vehicle, teenSMART discount, and 55 and retired.
  • SAFECO may include discounts for teen safe driver, safe driver, multi-car, anti-theft, homeowner, drive less, and teen safety rewards.
  • Farm Bureau has discounts for renewal discount, youthful driver, multi-policy, good student, 55 and retired, multi-vehicle, and driver training.
  • Progressive may have discounts that include online signing, continuous coverage, good student, homeowner, multi-vehicle, and online quote discount.
  • AAA offers discounts for education and occupation, good driver, multi-car, pay-in-full, good student, and AAA membership discount.

When getting free Colorado Springs auto insurance quotes, it's a good idea to each company what discounts are available to you. Some discounts may not apply in Colorado Springs.

Can't I compare prices from local Colorado Springs car insurance agents?

Some people still like to go talk to an agent and that is a smart decision One of the benefits of getting free rate quotes online is the fact that drivers can get cheap rate quotes and also buy local. And supporting local agencies is especially important in Colorado Springs.

After completing this quick form, your coverage information is emailed to local insurance agents who will return price quotes for your business. You don't have to contact an agency because quoted prices will be sent to you. You'll get the best rates without having to waste a lot of time. If you have a need to get a comparison quote from one company in particular, you just need to go to their quote page and submit a quote form there.

Picking the best provider requires you to look at more than just a cheap quote. Agents should be asked these questions:

  • Do they regularly work with personal auto policies in Colorado Springs?
  • Will they take your side in the event of a claim?
  • Do you qualify for any additional discounts?
  • By raising physical damage deductibles, how much would you save?
  • Is there a local claims center in Colorado Springs?
  • What company do they have the most business with?
  • Is the quote a firm price?
  • Is insurance their full-time profession?

Persistence pays off

Budget-conscious Dodge Caliber insurance is definitely available from both online companies and also from your neighborhood Colorado Springs agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not offer internet price quotes and many times these smaller companies provide coverage only through independent insurance agencies.

In this article, we covered many ways to find lower-cost Dodge Caliber insurance in Colorado Springs. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even be surprised to find that the best price on car insurance is with the least-expected company.

As you quote Colorado Springs auto insurance, you should never skimp on coverage in order to save money. There are a lot of situations where an insured cut full coverage and learned later that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best price, not the least amount of coverage.

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