Trying to find lower-priced Dodge Caliber insurance in Tucson? Trying to find more affordable Dodge Caliber insurance in Tucson is hard for people not familiar with online insurance quotes. People have so many agents and companies to choose from that it can quickly become a burden to find the perfect company for you.
Steps to buying discount Dodge Caliber insurance in Tucson
If you want to find the absolute lowest rates, then the best way to get low-cost car insurance rates is to start comparing prices yearly from providers in Tucson.
Step 1: Get a basic knowledge of how your policy works and the things you can control to drop your rates. Many policy risk factors that are responsible for high rates like careless driving and a less-than-favorable credit rating can be controlled by being financially responsible and driving safely. Continue reading for more details to keep prices down and find more discounts that you may not know about.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can give you price quotes from multiple sources. Select a company
Step 3: Compare the new quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
Step 4: Notify your current company to cancel your current auto insurance policy and submit a down payment along with a signed application for the new coverage. As soon as coverage is bound, keep your new certificate of insurance in a readily accessible location in your vehicle.
A tip to remember is that you’ll want to compare the same coverage limits and deductibles on every price quote and and to compare as many companies as you can. Doing this enables a level playing field and the most accurate and complete price analysis.
Inconceivable but true, a large majority of auto insurance policyholders in Arizona kept their coverage with the same auto insurance company for a minimum of four years, and roughly 40% of drivers have never compared rates from other carriers. Many drivers in America could save an average of 46.5% each year by just shopping around, but they won’t spend time to go online and compare rates.
You should take the time to get comparison quotes every six months since prices change quite often. If you had the best price on Dodge Caliber insurance in Tucson a couple years back you may be paying too much now. There is too much inaccurate information about Caliber insurance on the web, but you can learn some excellent ideas to stop overpaying for insurance in Tucson.
Informed Drivers Can Save Money
It’s important that you understand some of the things that come into play when calculating car insurance rates. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get better car insurance rates.
Cheaper to insure women? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Males and females are in fender benders at about the same rate, but men get into accidents with more damage. In addition to higher claims, males also receive more major tickets like reckless driving and DUI. Young males tend to get in the most accidents and are penalized with high car insurance rates.
The diagram below shows the comparison of Dodge Caliber insurance prices for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Insurance companies don’t like frequent insurance claims – Auto insurance companies in Arizona generally give the lowest premiums to people who are not frequent claim filers. If you file claims often, you can definitely plan on either higher rates or even cancellation. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
More stress means more cost – Careers such as real estate brokers, business owners, and stock brokers generally pay the highest average rates in part from high stress and lengthy work days. Conversely, professions such as scientists, engineers and performers pay lower than average rates.
Costs are affected by your address – Choosing to live in smaller towns and rural areas of the country has definite advantages when shopping for auto insurance. Lower population means reduced accidents and also fewer theft and vandalism claims. Residents of big cities have traffic congestion and a longer drive to work. Spending more time driving can result in more accidents.
Coverage statistics and figures
The rate information displayed next covers different insurance prices for Dodge Caliber models. Learning as much as possible about how insurance policy rates are established can benefit drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Caliber Heat | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Caliber SE | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Caliber Mainstreet | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Caliber Rush | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Caliber SXT | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Caliber Uptown | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Caliber R/T | $222 | $520 | $390 | $24 | $116 | $1,272 | $106 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in garaging location in Tucson which can alter auto insurance rates significantly.
Do you qualify for discounts on Dodge Caliber insurance in Tucson?
Car insurance companies don’t always list the entire discount list very well, so the following list contains some of the best known as well as some of the hidden credits available to lower your premiums when you buy Tucson auto insurance online.
- Buy New and Save – Buying coverage on a new vehicle can cost up to 25% less because newer models have to meet stringent safety requirements.
- Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
- Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
- Senior Citizen Rates – If you’re over the age of 55, you could receive a discount up to 10%.
- Driver Training Discounts – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
- Tucson Homeowners Discount – Being a homeowner can earn you a little savings because of the fact that having a home is proof of financial responsibility.
- Paperwork-free – Certain auto insurance companies give back up to $50 for completing your application over the internet.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.
Don’t be shocked that many deductions do not apply to the whole policy. Most only cut individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.
The chart below illustrates the difference between Dodge Caliber yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.
Larger auto insurance companies and a summarized list of policyholder discounts can be found below.
- Progressive discounts include continuous coverage, multi-policy, online signing, homeowner, and good student.
- MetLife has savings for multi-policy, accident-free, good driver, good student, and defensive driver.
- Mercury Insurance offers premium reductions for age of vehicle, accident-free, good student, anti-theft, good driver, and multi-car.
- Nationwide may offer discounts for easy pay, multi-policy, good student, accident-free, defensive driving, and business or organization.
- GEICO includes discounts for five-year accident-free, anti-theft, good student, military active duty, defensive driver, daytime running lights, and multi-policy.
- AAA offers discounts for pay-in-full, multi-car, AAA membership discount, anti-theft, multi-policy, good driver, and good student.
If you need affordable Dodge Caliber insurance quotes, ask each company or agent how many discounts you can get. Some credits may not apply to policyholders in every state. If you would like to choose from a list of providers that offer the discounts shown above in Tucson, follow this link.
More comparisons equals cheaper rates
As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In many cases, someone sacrificed collision coverage only to regret that it was a big error on their part. Your aim should be to find the BEST coverage at the lowest possible cost while still protecting your assets.
We just covered some good ideas how you can save on Dodge Caliber insurance in Tucson. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with a small mutual company. These companies may have significantly lower prices on certain market segments than their larger competitors like State Farm and Allstate.
More affordable car insurance in Tucson is attainable both online and from local agencies, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer online quoting and most of the time these regional insurance providers sell through independent agencies.
Steps to buying cheaper Dodge Caliber insurance in Tucson
The easiest way to get budget Dodge Caliber insurance is to do an annual price comparison from different companies who provide car insurance in Tucson.
First, get an understanding of auto insurance and the measures you can take to drop your rates. Many things that cause high rates like traffic citations, accidents, and poor credit history can be amended by paying attention to minor details.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple companies.
Third, compare the price quotes to your existing policy to see if you can save by switching companies. If you find a lower rate quote and make a switch, ensure coverage does not lapse between policies.
Fourth, tell your current company of your intention to cancel your current coverage and submit payment and a completed application to your new insurance company. When you receive it, keep your new proof of insurance certificate in an easily accessible location.
A good piece of advice is to try to compare the same coverage limits and deductibles on each quote and and to get price quotes from as many car insurance companies as possible. Doing this provides an apples-to-apples comparison and the best rate selection.
More detailed car insurance information is available in these articles:
- Collision Coverage (Liberty Mutual)
- Who Has the Cheapest Auto Insurance for Veterans in Tucson? (FAQ)
- How Much are Auto Insurance Quotes for Teenagers in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- Who Has Cheap Tucson Car Insurance Rates for Uninsured Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Single Moms in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance Quotes for Used Cars? (FAQ)
- Who Has the Cheapest Tucson Car Insurance for Lyft Drivers? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Preventing Carjacking and Theft (Insurance Information Institute)