Best Ways to Save on Scottsdale Dodge Caliber Insurance

Insurance for Dodge CaliberThe most effective way to get affordable Dodge Caliber insurance is to annually compare prices from different companies in Scottsdale. Price quotes can be compared by following these guidelines.

An important part of this process is to try to compare similar limits and deductibles on each price quote and and to get price quotes from all possible companies. Doing this helps ensure a level playing field and a complete selection of prices.

It’s easy to assume that car insurance companies don’t want customers comparing rates. People who shop around for better prices will presumably buy a different policy because there are good odds of finding better rates. Remarkably, a study showed that people who shopped around every year saved $3,400 over four years compared to other drivers who don’t make a habit of comparing rates.

If finding the most affordable Dodge Caliber insurance in Scottsdale is your ultimate goal, understanding how to quote and compare coverages can make shopping around easier.

If you are insured now or are shopping for new coverage, follow these tips to buy cheaper insurance without sacrificing coverage. The purpose of this article is to teach you the best ways to compare prices and some tips to save money. Smart buyers just need to know the best way to get comparison rates from multiple carriers.

The quickest method to get rate comparisons for Dodge Caliber insurance in Scottsdale is to realize car insurance companies participate in online systems to quote your coverage. The one thing you need to do is spend a couple of minutes providing details such as distance driven, which vehicles you own, if you require a SR-22, and level of coverage desired. The data is instantly submitted to all major companies and you should receive rate quotes instantly to find the best rate.

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

The providers in the list below offer quotes in Arizona. If you wish to find cheaper car insurance in Scottsdale, AZ, we suggest you get rate quotes from several of them to get the cheapest price.

Data for Dodge Caliber insurance

The data table below covers estimates of policy rates for Dodge Caliber models. Learning a little about how premiums are calculated can be valuable when making informed decisions when shopping around for a new policy.

Dodge Caliber Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $138 $302 $404 $24 $122 $990 $83
Caliber Heat $138 $302 $404 $24 $122 $990 $83
Caliber SE $138 $302 $404 $24 $122 $990 $83
Caliber Mainstreet $138 $302 $404 $24 $122 $990 $83
Caliber Rush $138 $302 $404 $24 $122 $990 $83
Caliber SXT $138 $302 $404 $24 $122 $990 $83
Caliber Uptown $138 $302 $404 $24 $122 $990 $83
Caliber R/T $158 $356 $404 $24 $122 $1,064 $89
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in Scottsdale location which can lower or raise insurance rates substantially.

Auto insurance deductibles

One common question asked by Scottsdale drivers is how high should your deductibles be. The rates shown below show how much more you’ll pay when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Dodge Caliber insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $202 $390 $300 $18 $90 $1,025 $85
Caliber Heat $202 $390 $300 $18 $90 $1,025 $85
Caliber SE $202 $390 $300 $18 $90 $1,025 $85
Caliber Mainstreet $202 $390 $300 $18 $90 $1,025 $85
Caliber Rush $202 $390 $300 $18 $90 $1,025 $85
Caliber SXT $202 $390 $300 $18 $90 $1,025 $85
Caliber Uptown $202 $390 $300 $18 $90 $1,025 $85
Caliber R/T $232 $460 $300 $18 $90 $1,125 $94
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Dodge Caliber insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $164 $314 $300 $18 $90 $886 $74
Caliber Heat $164 $314 $300 $18 $90 $886 $74
Caliber SE $164 $314 $300 $18 $90 $886 $74
Caliber Mainstreet $164 $314 $300 $18 $90 $886 $74
Caliber Rush $164 $314 $300 $18 $90 $886 $74
Caliber SXT $164 $314 $300 $18 $90 $886 $74
Caliber Uptown $164 $314 $300 $18 $90 $886 $74
Caliber R/T $188 $370 $300 $18 $90 $966 $81
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in Scottsdale location which can change prices considerably.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $11 more each month or $132 every year than opting for the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claims, you would save more money by going with a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $86
Average monthly premium for $500 deductibles (subtract): – $75
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

The example below shows how choosing a deductible and can affect Dodge Caliber insurance costs for different age groups of insureds. The costs are based on a single male driver, comp and collision included, and no policy discounts are applied.

Auto insurance rates based on gender

The example below illustrates the difference between Dodge Caliber insurance premiums for male and female drivers. The costs are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no other discounts are factored in.

Choosing Dodge vehicle insurance is an important decision

Even though it can be expensive, insuring your vehicle is required for several reasons.

First, the majority of states have mandatory liability insurance requirements which means state laws require a minimum amount of liability in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Dodge Caliber has a loan, almost all lenders will require you to have full coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Dodge at a more expensive rate and force you to pay much more than you were paying before.

Third, insurance safeguards both your Dodge and your personal assets. Insurance will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance are without a doubt worth the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $820 a year so it’s important to compare rates at every renewal to be sure current rates are still competitive.

Learn about car insurance coverages for a Dodge Caliber

Learning about specific coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, theft and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance – This will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/10 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and $10,000 of coverage for damaged property.

Liability can pay for claims like court costs, legal defense fees and medical expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.

The illustration below demonstrates why buying low liability limits may not be adequate coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like nursing services, doctor visits, ambulance fees and hospital visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This will pay to fix damage to your Caliber resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, crashing into a ditch, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible on your Caliber to save money on collision insurance.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many Arizona drivers carry very low liability coverage limits (15/30/10 in Arizona), 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.

Best car insurance company in Scottsdale

Ending up with a high-quality car insurance provider can be difficult considering how many different companies insure vehicles in Arizona. The rank data shown next can help you choose which coverage providers you want to consider comparing rates with.

Top 10 Scottsdale Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco