Compare Dodge Caliber Insurance Rate Quotes in San Antonio

Wish you could get out of an overpriced auto insurance policy? It’s quite common and many San Antonio drivers have buyer’s remorse.

Unbelievable but true according to a study most consumers in Texas have stayed with the same insurance company for at least four years, and 38% of drivers have never compared rates from other carriers. Consumers in the U.S. could pocket 47% a year by just shopping around, but they just don’t understand how much they could save if they just switched companies. Vehicle owners have multiple auto insurance companies to choose from, and though it is a good thing to be able to choose, it makes it harder to find the lowest rates for Dodge Caliber insurance in San Antonio.

The easiest way to compare car insurance company rates for Dodge Caliber insurance in San Antonio is to know the fact auto insurance companies participate in online systems to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information such as how your vehicles are used, level of coverage desired, if the vehicle is leased, and the year, make and model of vehicles. Your insurance information is instantly submitted to multiple car insurance providers and they provide comparison quotes with very little delay.

To compare cheap Dodge Caliber insurance rates now, click here and enter the information requested.

The companies in the list below are ready to provide free quotes in San Antonio, TX. If multiple companies are listed, we suggest you visit two to three different companies in order to find the lowest rates.

Rates and data analysis

The information shown below highlights different policy rates for Dodge Caliber models. Knowing how policy premiums are calculated is important for you to make smart choices when selecting a policy.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can impact premiums substantially.

Physical damage deductible comparison

When buying auto insurance, a common question is where to set your physical damage deductibles. The premium rates below determine the difference in cost when you select higher and lower insurance deductibles. The first data table uses a $250 deductible and the second pricing table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in garaging location in San Antonio which can change price quotes significantly.

Based on the above data, using a $250 deductible costs approximately $14 more each month or $168 for a full year than opting for the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 18 months between claim filings, you would most likely save money if you decide on a higher deductible. The illustration below shows how you can do this calculation yourself.

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more when you have a claim. You will want to have access to more funds in the event you have to pay the deductible to have repairs made.

The example below highlights how deductible selection and can raise or lower Dodge Caliber annual premium costs for each age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Dodge Caliber liability-only versus full coverage

The illustration below illustrates the difference between Dodge Caliber annual premium costs when comparing full coverage to liability only. The prices are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no policy discounts are applied.

When to stop buying physical damage coverage

There is no set guideline to eliminate physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Dodge Caliber claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the deductible is paid. If you are paying over $200 a year for full coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.

Auto insurance just makes sense

Despite the high cost of buying insurance for a Dodge Caliber in San Antonio, insurance is not optional due to several reasons.

First, most states have compulsory liability insurance requirements which means you are required to buy specific limits of liability protection in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, almost every bank will require that you buy insurance to guarantee payment of the loan. If you default on your policy, the lender will be forced to insure your Dodge at a significantly higher premium and make you pay the higher price.

Third, insurance protects not only your Dodge but also your assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Dodge as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of insuring your Caliber definitely exceed the price paid, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $865 each year so you should quote your policy with other companies each time the policy renews to help ensure money is not being wasted.

Insurance Price Influencing Factors

Many different elements are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but other criteria are more obscure such as your credit history and annual miles driven.

• Single drivers may pay more – Walking down the aisle may save some money on your car insurance bill. Having a significant other means you’re more responsible and statistics show drivers who are married are more cautious.

• Pay more by driving carelessly – Drivers who don’t get tickets get better rates compared to bad drivers. Only having one chargeable violation can boost insurance rates forty percent or more. People who have license-revoking citations such as DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.

  The information below shows how violations and at-fault claims raise Dodge Caliber auto insurance costs for different age groups. The costs are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

• Decrease rates by maintaining coverage – Not maintaining insurance is a big no-no and companies may charge more for letting your insurance expire. And not only will your rates increase, getting caught without coverage might get you fines and jail time.
• Premiums impacted by vehicle usage – The higher the mileage driven each year the higher the price you pay to insure it. Almost all companies calculate prices based upon how much you drive. Cars that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy correctly shows the correct driver usage, because it can save money. An improperly rated Caliber may be costing you.

• Prices for guys may be higher – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. They both are in fender benders in similar numbers, but men tend to have more serious accidents. Men also statistically get higher numbers of serious violations such as reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.

  The illustration below shows the comparison of Dodge Caliber insurance rates for male and female drivers. The information is based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

• Only buy coverage you need – There are a lot of optional add-on coverages you can purchase when buying car insurance. Coverages like vanishing deductibles, death and dismemberment, and motor club memberships are some examples. These coverages may sound good initially, but if you have no use for them consider taking them off your policy.

• Teenagers vs. older drivers – Inexperience drivers tend to be inattentive and easily distracted behind the wheel so car insurance rates are higher. Mature drivers are more responsible, tend to file fewer claims, and get fewer tickets.

  The following data uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Dodge Caliber insurance discounts in San Antonio

Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so the below list has some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy San Antonio car insurance online.

• Low Mileage – Keeping the miles down on your Dodge may enable drivers to earn discounted premium rates on garaged vehicles.
• San Antonio Homeowners Discount – Just owning your own home can get you a discount because it shows financial diligence.
• College Student – Kids who attend college more than 100 miles from San Antonio and won’t have access to an insured vehicle can be insured at a reduced rate.
• Driver’s Education for Students – Require your teen driver to enroll in driver’s education in school.
• Telematics Data Discounts – Insureds who allow data collection to spy on driving manner remotely such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

The example below compares Dodge Caliber auto insurance rates with and without discounts applied. The price estimates are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, claim-free, and safe-driver discounts applied.

Insurance companies who may offer these discounts include:

• GEICO
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

When getting a coverage quote, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in every state. To find companies that have a full spectrum of discounts in San Antonio, click this link.

Exclusive and independent insurance agencies

Certain consumers would rather buy from a local agent and doing so can bring peace of mind Professional insurance agents will help you protect your assets and help submit paperwork. A nice benefit of comparing insurance prices online is that you can obtain cheap car insurance rates and still buy from a local agent. Supporting neighborhood insurance agencies is important especially in San Antonio.

After filling out this simple form, the coverage information is submitted to local insurance agents in San Antonio who can give free rate quotes for your coverage. You won’t need to visit any agencies as quotes are delivered to you directly. In the event you want to compare rates from a specific company, feel free to go to their quote page and fill out the quote form the provide.

The following are San Antonio insurance companies who can help you get rate quotes for Dodge Caliber insurance in San Antonio.

More San Antonio agents

Choosing a insurance company needs to be determined by more than just the price. These questions are important to ask:

• What companies can they write with?
• Is auto insurance their primary focus in San Antonio?
• Does the agency have a current Errors and Omissions policy?
• Is the agency active in community causes in San Antonio?
• Can glass claims be handled at your home?
• Who are their largest clients?

Once you have reasonable responses to these questions and cheap Caliber insurance quotes, you may have just found an insurance company that can be trusted to provide car insurance coverage.

Cheaper insurance rates are out there

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured cut full coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage at the best price but still have enough coverage for asset protection.

We’ve covered many ideas to find lower-cost Dodge Caliber insurance in San Antonio. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced insurance comes from the smaller companies. Some small companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

Some insurance companies may not offer online price quotes and usually these smaller companies work with independent insurance agents. Cheap Dodge Caliber insurance in San Antonio can be bought online as well as from insurance agents, and you should be comparing both to have the best selection.

Much more information about insurance in Texas can be found at these links:

• Coverage Information (Progressive Insurance)
• Who Has Cheap San Antonio Car Insurance Quotes for a School Permit? (FAQ)
• How Much are San Antonio Car Insurance Rates for High Mileage Drivers? (FAQ)
• Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in San Antonio? (FAQ)
• Bodily Injury Coverage (Liberty Mutual)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Comprehensive Coverage (Liberty Mutual)
• Crash Avoidance Technologies FAQ (iihs.org)