Find Cheaper Dodge Caliber Insurance in Durham

Insurance rates Dodge Caliber in DurhamSad but true, almost 70% of drivers have stayed with the same insurance company for a minimum of four years, and approximately 40% of consumers have never even compared quotes to find affordable rates. Consumers in Durham could save 10% every year, but they assume it’s a waste of time to shop their coverage around.

If saving the most money is your goal, then the best way to find low-cost prices for car insurance rates in Durham is to start doing an annual price comparison from insurance carriers that insure vehicles in North Carolina. You can compare prices by following these steps.

An essential thing to point out is that you’ll want to make sure you compare the same level of coverage on each price quote and and to get prices from every company you can. Doing this enables an apples-to-apples comparison and many rates to choose from.

If you are insured now, you should be able to save money using the techniques covered below. The intent of this article is to instruct you on the best ways to compare prices. But North Carolina car owners can benefit by having an understanding of the way insurance companies compete online and use it to find better rates.

Get affordable Dodge Caliber insurance in Durham with discounts

The price of auto insurance can be rather high, but there may be some discounts to help bring down the price. Some of these discounts will be visible when you quote, but some may not be applied and must be asked about before they will apply.

Please keep in mind that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The illustration below illustrates the difference between Dodge Caliber insurance rates with and without discounts. The data is based on a male driver, no violations or accidents, North Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, multi-car, and marriage discounts applied.

To see insurance companies that offer multiple discounts in Durham, follow this link.

Just keep in mind that comparing a wide range of rates increases the chance that you will find the best price. Not every company allows you to get online rate quotes, so it’s necessary to compare prices from them as well.

The companies shown below can provide comparison quotes in Durham, NC. If multiple companies are listed, we suggest you click on several of them in order to find the cheapest rates.

Dodge Caliber insurance analysis

The coverage table shown next highlights estimates of insurance costs for Dodge Caliber models. Having a better understanding of how rate quotes are figured is important to be able to make smart choices when choosing a car insurance company.

Dodge Caliber Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $180 $438 $324 $20 $96 $1,058 $88
Caliber Heat $180 $438 $324 $20 $96 $1,058 $88
Caliber SE $180 $438 $324 $20 $96 $1,058 $88
Caliber Mainstreet $180 $438 $324 $20 $96 $1,058 $88
Caliber Rush $180 $438 $324 $20 $96 $1,058 $88
Caliber SXT $180 $438 $324 $20 $96 $1,058 $88
Caliber Uptown $180 $438 $324 $20 $96 $1,058 $88
Caliber R/T $206 $516 $324 $20 $96 $1,162 $97
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in zip code location which can modify auto insurance rates noticeably.

The illustration below demonstrates how choosing different deductibles and can influence Dodge Caliber insurance rates for each age group. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

How much more does full coverage cost?

The example below visualizes the comparison of Dodge Caliber car insurance costs with liability coverage only compared to full coverage. The data is based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are factored in.

When to buy liability coverage only

There is no specific rule for phasing out physical damage insurance, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Dodge Caliber book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not opt for liability only.

Dodge Caliber Insurance Rate Factors

It’s important that you understand a few of the rating criteria that come into play when calculating insurance rates. When you know what positively or negatively influences your rates, this enables informed choices that could result in lower premium levels.

The items below are some of the most common factors used by insurance companies to determine rates.

When to get professional advice

When buying coverage, there really is not a one-size-fits-all type of policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance agents near you

Many people still like to go talk to an agent and that is not a bad decision The best thing about price shopping on the web is the fact that drivers can get cheap rate quotes but also keep your business local.

Find insurance agent in DurhamAfter completing this short form, your insurance coverage information is instantly submitted to companies in Durham who will gladly provide quotes for your insurance coverage. You never need to find an agent on your own because quoted prices will be sent to you directly. You’ll get the best rates AND a local agent. If you want to quote rates from a specific company, you can always visit that company’s website and fill out the quote form the provide.

Picking an provider should include more criteria than just the price. Some important questions to ask are:

Buying the right Dodge Caliber insurance in North Carolina is an important decision

Despite the fact that auto insurance is not cheap in Durham, maintaining insurance is a good idea for several reasons.

The benefits of insuring your car greatly outweigh the cost, particularly for liability claims. Unknowingly, the average driver overpays as much as $700 annually so it’s very important to do a rate comparison at least once a year to save money.

Smart consumers save more

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

We covered a lot of information how to lower your Dodge Caliber insurance prices in Durham. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest Dodge Caliber rate quotes. Consumers may even find the lowest priced auto insurance comes from an unexpected company. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate or State Farm.

Even more information is available in these articles: