Dodge Caliber Insurance Quotes in Philadelphia

If online car insurance comparisons are new to you, it’s easy to be bewildered thanks to all the different types of online companies that all say they have the best rates for Dodge Caliber insurance in Philadelphia.

It’s shocking but the vast majority of drivers kept their coverage with the same car insurance company for four years or more, and 38% of drivers have never compared rates from other carriers. With the average car insurance premium being $1,363, Pennsylvania drivers could save $700 a year, but they just don’t want to compare rates and save money.

It’s important to do price comparisons before your next renewal because insurance prices are rarely the same from one policy term to another. Just because you found the best rate on Dodge Caliber insurance in Philadelphia two years ago you may be paying too much now. Forget all the misinformation about car insurance because we’re going to show you the proper way to save money, get proper coverage and the best rates.

If you have insurance now, you will most likely be able to find the best rates using the tips covered below. The purpose of this post is to tell you how auto insurance companies operate and some tips to save money. Although Pennsylvania car owners do need to learn how insurance companies sell insurance online.

The method we recommend to get rate comparisons for Dodge Caliber insurance in Philadelphia is to know the trick most insurance companies participate in a system to compare their rates. The only thing you need to do is give them rating details including whether you are single or married, whether the vehicles are used for commuting, how much you drive, and your job. The rating information is submitted instantly to insurance carriers in your area and they return quotes very quickly.

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

The following companies offer comparison quotes in Pennsylvania. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Get lower-cost rates with discounts

Companies that sell car insurance don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the list below details both well-publicized as well as the least known car insurance savings.

• Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
• Accident Waiver – This one isn’t a discount, but a handful of insurance companies will forgive one accident before they charge you more for coverage if your claims history is clear prior to the accident.
• Passive Restraint Discount – Factory options such as air bags can get savings of 20 to 30 percent.
• Philadelphia Homeowners Discount – Being a homeowner can save a few bucks since home ownership requires a higher level of personal finance.
• Safety Course Discount – Passing a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
• Save with a New Car – Insuring a new Caliber can be considerably cheaper since new model year vehicles are generally safer.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

The example below shows the difference between Dodge Caliber yearly insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 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.

Large car insurance companies and some of the discounts are shown below.

• State Farm includes discounts for safe vehicle, anti-theft, Drive Safe & Save, good driver, and multiple autos.
• Farmers Insurance may offer discounts for early shopping, switch companies, bundle discounts, multi-car, teen driver, business and professional, and youthful driver.
• Progressive policyholders can earn discounts including good student, online signing, multi-vehicle, continuous coverage, and homeowner.
• GEICO discounts include defensive driver, military active duty, multi-vehicle, anti-theft, and driver training.
• Auto-Owners Insurance may have discounts that include paid in full, anti-lock brakes, safe driver, safe vehicle, company car, multiple vehicles, and anti-theft.
• The Hartford offers premium reductions for bundle, good student, air bag, defensive driver, and driver training.
• Farm Bureau has savings for 55 and retired, youthful driver, multi-vehicle, multi-policy, safe driver, driver training, and good student.
• USAA has discounts for defensive driver, military installation, good student, multi-vehicle, and annual mileage.

When getting a coverage quote, ask each company or agent the best way to save money. All car insurance discounts might not be offered everywhere.

Car insurance data for a Dodge Caliber

The coverage table displayed next showcases different insurance costs for Dodge Caliber models. Learning more about how auto insurance prices are formulated is important for you to make informed coverage decisions.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in specific location which can modify insurance rates significantly.

Policy deductible comparison

The hardest decision when buying coverage is how low should you set your deductibles. The premium rates below outline the cost difference when you choose different comp and collision deductibles. The first pricing table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can affect prices noticeably.

Based on these figures, using a $100 deductible will cost you approximately $32 more each month or $384 a year than quoting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 28 months between claims, you would come out ahead if you decide on a higher deductible.

Full coverage rates vs. liability-only in Philadelphia

The information below illustrates the comparison of Dodge Caliber insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no clear-cut rule for eliminating physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s assume your Dodge Caliber settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after you pay the deductible. If you are currently paying more than $300 annually for physical damage coverage, then it might be time to buy liability only.

There are some conditions where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

Neighborhood insurance agents

Many people still like to sit down with an agent and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is you can get cheap rate quotes and also buy local.

To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to local insurance agents in Philadelphia that can give you free Philadelphia auto insurance quotes for your business. It’s much easier because you don’t need to find an agent since rate quotes are delivered to your email. You can most likely find cheaper rates without the usual hassles of price shopping. If you want to quote rates from a particular provider, feel free to jump over to their website and give them your coverage information.

Picking the best insurer needs to be determined by more than just a low price. Here are some questions you might want to ask.

• Can you get a list of referrals?
• Can glass repairs be made at your home?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• If they are an independent agency in Philadelphia, which companies do they recommend?
• What are the financial ratings for the companies they represent?
• Is the agent CPCU or CIC certified?

The different types of auto insurance agents

When searching for a reputable agency, it helps to know the two different types of agencies and how they can write your policy. Auto insurance agencies can be described as either exclusive agents or independent agents.

Exclusive Agents

Agents that choose to be exclusive can only provide pricing for a single company such as Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are well schooled on what they offer and that enables them to sell even at higher rates. Many people purchase coverage from exclusives mainly due to the prominent brand name and solid financial strength.

Below are exclusive insurance agencies in Philadelphia that can give you comparison quotes.

• Dennis Jackson – State Farm Insurance Agent
  6200 Frankford Ave – Philadelphia, PA 19135 – (215) 289-5179 – View Map
• Ahida Garcia – State Farm Insurance Agent
  716 Adams Ave Ste 8 – Philadelphia, PA 19124 – (215) 533-5550 – View Map
• Vince Ovecka – State Farm Insurance Agent
  456 E Girard Ave – Philadelphia, PA 19125 – (215) 739-0800 – View Map

View more Philadelphia agents

Independent Agents

Agents that choose to be independent do not have single company limitations so they have the ability to put coverage with a variety of different insurance companies enabling the ability to shop coverage around. If prices rise, an independent agent can move your coverage and you can keep the same agent.

If you need cheaper auto insurance rates, you definitely need to get quotes from at least one independent agent to get the most accurate price comparison. Many can place coverage with lesser-known insurance companies which may provide better rates.

The following are independent agencies in Philadelphia that are able to give price quotes.

• Crossing Insurance Group
  4252 Richmond St – Philadelphia, PA 19137 – (215) 321-4990 – View Map
• The Gannon Insurance Agency Inc
  2704 Street Rd – Bensalem, PA 19020 – (215) 891-9990 – View Map
• HandM Insurance Agency
  5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map

View more Philadelphia agents

If you receive satisfactory answers to any questions you have as well as an affordable premium quote, you’ve probably found an insurance agency that is professional and can properly insure your vehicles.

When do I need an agent’s advice?

When buying adequate coverage for your personal vehicles, there really isn’t a perfect coverage plan. Every situation is different.

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

• Are there any extra discounts I can get?
• Does my insurance cover my expensive audio equipment?
• Does my car insurance cover rental cars?
• Will damage be repaired with OEM parts?
• Is there a penalty for late payment?
• Is a fancy paint job covered?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

What Impacts Dodge Caliber Insurance Prices?

Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other factors are not quite as obvious such as your credit history or how safe your car is.

• Liability preserves assets – A critical coverage on your policy, liability insurance is the protection when a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.
• Safety ratings are a factor – Vehicles that have high safety ratings cost less to insure. Safer cars help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies and lower rates for you. If your Dodge Caliber earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

• Females tend to take less risk – Statistics have proven that females take fewer risks when driving. That doesn’t necessarily mean that women are better drivers. Females and males cause auto accidents at a similar rate, but men have costlier accidents. Not only that, but men also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 generally have the highest accident percentage so they pay the highest premiums.

  The information below shows the difference between Dodge Caliber auto insurance costs for male and female drivers. The price estimates are based on no violations or claims, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are factored in.

• Extra coverages may be wasting money – There are quite a few additional coverages that can add up if you aren’t careful. Coverage for things like replacement cost coverage, towing coverage, and motor club memberships are probably not needed. They may seem like a good idea when discussing your needs, but if you have no use for them get rid of them and save.

• Your age impacts your rates – Young drivers in Pennsylvania are statistically shown to be more careless when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents, and get fewer tickets.

  The following data uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

Why you need to buy insurance

Despite the high insurance cost for a Dodge Caliber in Philadelphia, maintaining insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.

• Most states have compulsory liability insurance requirements which means you are required to buy a specific level of liability in order to drive the car legally. In Pennsylvania 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.
• If you have a lien on your Dodge Caliber, most banks will require you to buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Dodge at an extremely high rate and force you to pay for it.
• Insurance safeguards both your Dodge Caliber and your personal assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If your Dodge gets damaged, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having insurance greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying more than $810 a year so smart consumers compare quotes at every renewal to ensure rates are competitive.

Quote. Compare. Save.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, high prices, unfair underwriting practices or extreme rates for teen drivers. It doesn’t matter what your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

Cheaper Dodge Caliber insurance in Philadelphia is available both online as well as from independent agents in Philadelphia, and you should compare rates from both so you have a total pricing picture. Some car insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent insurance agents.

You just learned some good ideas how to lower your Dodge Caliber insurance rates in Philadelphia. The key thing to remember is the more quotes you get, the better your comparison will be. You may even be surprised to find that the lowest rates come from an unexpected company.

More information

• Preventing Carjacking and Theft (Insurance Information Institute)
• What Car Insurance is Cheapest for Immigrants in Philadelphia? (FAQ)
• How Much are Car Insurance Quotes for 19 Year Olds in Philadelphia? (FAQ)
• Who Has Affordable Car Insurance Rates for a Jeep Wrangler in Philadelphia? (FAQ)
• Who Has Cheap Auto Insurance for a Chevrolet Equinox in Philadelphia? (FAQ)
• Anti-Lock Brake FAQ (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)