Compare Dodge Caliber Insurance Quotes in Kansas City

Discount Dodge Caliber insuranceA recent survey discovered that nearly 70% of customers have bought auto insurance from the same company for four years or more, and 38% of customers have never shopped around. U.S. insurance shoppers can cut their rates by 46.5% a year, but they just assume it’s a time-consuming process to shop their coverage around.

If saving money is your primary concern, then the best way to find low-cost car insurance rates is to compare prices once a year from providers in Kansas City.

  1. Gain an understanding of the different coverages in a policy and the measures you can take to keep rates in check. Many things that result in higher rates like at-fault accidents, careless driving, and a not-so-good credit score can be eliminated by making minor changes in your lifestyle. Later in this article we will cover more ideas to get cheaper coverage and earn larger discounts.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple companies. Compare rates
  3. Compare the quotes to your existing coverage and determine if cheaper Caliber coverage is available. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Tell your current agent or company to cancel your current policy. Submit a down payment along with a signed application for your new policy. Don’t forget to place your new certificate verifying coverage in an easily accessible location.

One thing to remember is to compare identical deductibles and limits on each quote and and to get price estimates from as many different insurance providers as possible. This enables a fair price comparison and a complete price analysis.

Getting more affordable Dodge Caliber car insurance pricing is an easy way to save money. All that’s required is to invest a few minutes getting comparison quotes to see which company has inexpensive Kansas City auto insurance quotes.

The companies shown below have been selected to offer free rate quotes in Kansas City, MO. To get the best auto insurance in MO, we recommend you visit two to three different companies in order to find the most competitive rates.

Rates and statistics

The premium table shown next highlights estimates of insurance coverage prices for Dodge Caliber models. Learning how auto insurance prices are formulated can help customers make informed decisions when comparing rates.

Dodge Caliber Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $154 $340 $302 $18 $90 $904 $75
Caliber Heat $154 $340 $302 $18 $90 $904 $75
Caliber SE $154 $340 $302 $18 $90 $904 $75
Caliber Mainstreet $154 $340 $302 $18 $90 $904 $75
Caliber Rush $154 $340 $302 $18 $90 $904 $75
Caliber SXT $154 $340 $302 $18 $90 $904 $75
Caliber Uptown $154 $340 $302 $18 $90 $904 $75
Caliber R/T $176 $400 $302 $18 $90 $986 $82
Get Your Own Custom Quote Go

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific Kansas City garaging location which can affect coverage rates greatly.

An analysis of deductible level

One of the hardest decisions when shopping for auto insurance is where should you set your physical damage deductibles. The figures shown below highlight how much more you’ll pay when you choose different deductibles. The first rate table uses a $100 physical damage coverage deductible and the second data table uses a $500 deductible.

Dodge Caliber insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $200 $414 $266 $16 $80 $1,001 $83
Caliber Heat $200 $414 $266 $16 $80 $1,001 $83
Caliber SE $200 $414 $266 $16 $80 $1,001 $83
Caliber Mainstreet $200 $414 $266 $16 $80 $1,001 $83
Caliber Rush $200 $414 $266 $16 $80 $1,001 $83
Caliber SXT $200 $414 $266 $16 $80 $1,001 $83
Caliber Uptown $200 $414 $266 $16 $80 $1,001 $83
Caliber R/T $230 $488 $266 $16 $80 $1,105 $92
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Dodge Caliber insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $146 $280 $266 $16 $80 $788 $66
Caliber Heat $146 $280 $266 $16 $80 $788 $66
Caliber SE $146 $280 $266 $16 $80 $788 $66
Caliber Mainstreet $146 $280 $266 $16 $80 $788 $66
Caliber Rush $146 $280 $266 $16 $80 $788 $66
Caliber SXT $146 $280 $266 $16 $80 $788 $66
Caliber Uptown $146 $280 $266 $16 $80 $788 $66
Caliber R/T $168 $330 $266 $16 $80 $860 $72
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in specific location information which can lower or raise price quotes noticeably.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $17 more each month or $204 annually across all Dodge Caliber models than requesting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 24 months between claims, you would probably be better off if you elect the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $84
Average monthly premium for $500 deductibles (subtract): – $67
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One thing to be aware of is that a higher deductible means you will have to pay more when you do file a claim. You must have enough money put aside in order to pay the deductible for vehicle repair.

Reckless driving habits raise auto insurance rates

The example below highlights how speeding tickets and at-fault collisions can affect Dodge Caliber annual premium costs for different insured age categories. The data assumes a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Male drivers compared to female drivers

The chart below shows the comparison of Dodge Caliber insurance rates for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Dodge Caliber liability rates compared to full coverage

The information below shows the comparison of Dodge Caliber auto insurance rates with full coverage compared to only the Missouri minimum liability coverage. The premium estimates are based on no claims or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

When to eliminate full coverage

There isn’t a written rule of when to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your Dodge Caliber book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after paying your policy deductible. If you are currently paying more than $700 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where only buying liability is not recommended. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Why you need Dodge vehicle insurance in Missouri

Even though Kansas City Caliber insurance rates can get expensive, paying for car insurance may be mandatory for several reasons.

The benefits of buying car insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in Missouri is overpaying over $850 per year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.

Educate yourself about car insurance coverages

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, a tree branch falling on your vehicle and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills for ambulance fees, dental work and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/10 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, medical services and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible. Missouri requires drivers to carry at least 25/50/10 but drivers should carry higher limits.

The next chart shows why buying low liability limits may not be enough coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Caliber.

Because many people only purchase the least amount of liability that is required (25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision – This coverage pays for damage to your Caliber resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your Caliber to save money on collision insurance.

Persistence will pay off

When searching for affordable Kansas City auto insurance quotes, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured cut liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We’ve covered many ideas to compare Dodge Caliber insurance premium rates in Kansas City. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest premium rates come from the smaller companies.

Low-cost Dodge Caliber insurance in Kansas City is attainable on the web and from local insurance agents, so you need to quote Kansas City auto insurance with both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get quotes online and many times these regional carriers only sell coverage through independent insurance agents.

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