Dodge Caliber Insurance Rates in San Diego

Are you drained from not being able to scrape enough together to pay high car insurance rates every month? You’re in the same situation as millions of other drivers.

Insurance for Dodge CaliberUnbelievable but true according to a study most car insurance policyholders have been with the same company for well over three years, and almost 40% of drivers have never even shopped around for cheap coverage. Many consumers in San Diego can save 35% each year just by getting comparison quotes, but most just don’t grasp the big savings they would realize if they switched to a more affordable policy.

With drivers having so many companies and agents to choose from, it can be challenging to choose a lower cost car insurance provider.

Choosing the best rates in San Diego is quite easy if you know the best way to do it. If you currently have a car insurance policy, you stand a good chance to be able to reduce the price you pay using the following tips. Nevertheless, California consumers benefit from understanding how companies calculate your policy premium because rates are impacted by many factors.

These discounts can lower Dodge Caliber insurance rates

Insuring your fleet can be pricey, but you might be missing out on some discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied before being credited. If you aren’t receiving every discount possible, you are paying more than you should be.

A quick disclaimer, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic.

Car insurance companies that may offer these money-saving discounts are:

When getting a coverage quote, ask each company or agent to apply every possible discount. Depending on the company, some discounts may not be offered in your area. To view auto insurance companies that can offer you the previously mentioned discounts in San Diego, click here to view.

The majority of larger companies such as Allstate and Progressive give pricing from their websites. Getting online rates for Dodge Caliber insurance in San Diego is fairly straightforward as you just enter the coverage amounts you desire as detailed in the form. Upon sending the form, the quote system gets credit information and your driving record and gives you a price quote determined by many factors. This makes it simple to compare prices and it’s also necessary to perform this step in order to find the most affordable auto insurance rates.

To fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. This way, you will be getting a price comparison based on similar coverages.

The auto insurance companies shown below can provide price comparisons in California. If the list has multiple companies, we suggest you compare several of them to find the lowest auto insurance rates.

Dodge Caliber Insurance Price Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $256 $564 $500 $30 $150 $1,500 $125
Caliber Heat $180 $416 $534 $32 $160 $1,322 $110
Caliber SE $158 $372 $500 $30 $150 $1,210 $101
Caliber Mainstreet $232 $524 $574 $34 $172 $1,536 $128
Caliber Rush $286 $650 $574 $34 $172 $1,716 $143
Caliber SXT $158 $354 $464 $28 $138 $1,142 $95
Caliber Uptown $322 $672 $450 $26 $134 $1,604 $134
Caliber R/T $278 $546 $442 $26 $132 $1,424 $119
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific zip code location which can change price quotes substantially.

Premiums by gender and age

The example below visualizes the comparison of Dodge Caliber car insurance rates for male and female drivers. The premium estimates are based on no violations or accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are factored in.

Why Informed Drivers Pay Less for Dodge Caliber Insurance

The best way to find cheaper insurance is to take a look at the factors that help determine insurance rates. When you understand what influences your rates, this enables informed choices that could help you find much lower annual insurance costs. Many things are considered when pricing auto insurance. A few of the factors are predictable like an MVR report, although others are more transparent such as whether you are married and annual miles driven.

The list below includes just a few of the factors utilized by car insurance companies to help set premiums.

Insurance agents can give valuable advice

A lot of people prefer to talk to a local agent. The best thing about comparing rates online is that you can find the best rates but still work with a licensed agent.

Find insurance agent in San DiegoFor easy comparison, once you complete this simple form, your insurance coverage information is emailed to agents in your area that can give you free San Diego auto insurance quotes for your coverage. You never need to leave your computer as quotes are delivered immediately to you. You can get cheaper car insurance rates and an insurance agent to talk to. If you wish to quote rates from a specific company, just jump over to their website and submit a quote form there.

Deciding on an company should include more criteria than just the price. A good agent in San Diego will have answers to these questions.

What type of San Diego car insurance agent is right for you?

When looking for a local San Diego insurance agent, it can be helpful to understand the different agency structures and how they differ in how they can insure your vehicles. Agents in San Diego are either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Agents that choose to be exclusive can only quote rates from one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to compare other company’s rates so they have no alternatives for high prices. They are very knowledgeable on their company’s products which helps them sell on service rather than price.

The following is a list of exclusive agents in San Diego that can give you comparison quotes.

7960 Silverton Ave #202San Diego, CA 92126(858) 689-0466View Map

2820 Camino del Rio S Ste 310San Diego, CA 92108(619) 291-1787View Map

12121 Scripps Summit Dr Ste 100San Diego, CA 92131(858) 621-6681View Map

View more San Diego agents

Independent Agents

Agents that elect to be independent are appointed with more than one company and that is an advantage because they can write policies through lots of different companies and find the cheapest car insurance rates. If prices rise, they simply move the coverage in-house which makes it simple for you.

When searching for an agent, you will want to compare quotes from a couple of independent agencies to get the best comparison.

Listed below is a list of independent insurance agencies in San Diego that are able to give comparison quotes.

4411 Mercury St #105bSan Diego, CA 92111(858) 565-6695View Map

11440 W Bernardo Ct #161San Diego, CA 92127(858) 431-9880View Map

1081 Camino del Rio S Ste 210San Diego, CA 92108(916) 742-6995View Map

View more San Diego agents

Insurance is not optional but you don’t have to overpay

Despite the fact that insurance is not cheap in San Diego, insurance may be mandatory for several reasons.

First, almost all states have mandatory liability insurance requirements which means state laws require a specific level of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your vehicle, it’s most likely the lender will require that you buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Dodge at a more expensive rate and make you pay a much higher amount than you were paying before.

Third, insurance safeguards not only your vehicle but also your financial assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Dodge as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of buying enough insurance more than cancel out the cost, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $825 a year so compare rate quotes each time the policy renews to make sure the price is not too high.

One last thing to lower rates

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In too many instances, someone sacrificed uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the best cost, but do not skimp to save money.

Budget-conscious Dodge Caliber insurance is available both online and from local insurance agents, so you need to quote San Diego auto insurance with both so you have a total pricing picture. A few companies may not offer rate quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

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