Compare Dodge Caliber Insurance Rate Quotes in Seattle

Do you get exhausted from trying to scrape together enough money to pay auto insurance each month? You are in the same boat as many other vehicle owners in Washington.

Unbelievable but true according to a study a large majority of consumers kept their policy with the same company for more than four years, and 38% of customers have never compared rates to find cheaper insurance. Washington consumers could save an average of up to $427 each year, but they just assume it’s a time-consuming process to find cheaper rates by getting comparison quotes.

Popular companies such as State Farm and GEICO increase brand awareness with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

All major insurance companies like Progressive, GEICO, Allstate and State Farm provide coverage price quotes on the web. Getting quotes for Dodge Caliber insurance in Seattle is very simple as you simply type in the coverage amounts you desire on the page. When complete, the quote system orders information on your driving record and credit history and provides a quote based on the information you submitted. Quoting online for Dodge Caliber insurance in Seattle simplifies rate comparisons, and it’s also necessary to do this in order to get cheaper prices.

In order to compare pricing, compare quotes from the companies shown below. If you currently have coverage, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. Doing this assures you will receive rate comparison quotes based on similar coverages.

The car insurance companies shown below are ready to provide free rate quotes in Seattle, WA. If multiple companies are shown, it’s a good idea that you compare several of them to find the most competitive car insurance rates.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in zip code location which can revise premiums greatly.

Choosing deductibles

The hardest decision when buying coverage is where to set your physical damage deductibles. The following tables lay out the price difference when you buy lower versus higher comp and collision deductibles. The first data set uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in specific zip code location which can increase or decrease insurance rates considerably.

Based on the above data, using a $250 deductible would cost the average driver about $20 more each month or $240 for a full year than requesting the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 38 months between claim filings, you would probably save some money going with the higher deductible.

Insurance rate increases from tickets or accidents

The illustration below illustrates how traffic citations and at-fault fender-benders raise Dodge Caliber auto insurance costs for different age groups. The premium estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

Cheaper rates with these six rate reducing discounts

Companies do not advertise every discount available very clearly, so the following is a list of some of the best known as well as some of the hidden ways to save on car insurance. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.

• Club Memberships – Belonging to specific professional or occupational memberships or organizations may earn a discount when shopping for car insurance.
• Student in College – Any of your kids who live away from home at college and don’t have a car may be insured at a cheaper rate.
• Own a Home and Save – Being a homeowner may trigger a policy discount on car insurance because of the fact that having a home means you have a higher level of financial diligence.
• Life Insurance Discount – Select car insurance companies reward you with a discounted rate on car insurance if you buy a life policy as well.
• Early Renewal Discounts – Some larger companies give discounts for switching companies prior to your current Caliber insurance policy expiring. This can save 10% or more.
• Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.

You can save money using discounts, but many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like you can get free auto insurance, you won’t be that lucky.

A few companies that may offer policyholders some of the discounts shown above include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Before you buy a policy, ask all the companies which discounts you qualify for. Discounts may not apply to policyholders everywhere.

Insurance agencies near you

Some consumers just prefer to get professional advice from a licensed agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is you can get the lowest rates but still work with a licensed agent.

To make it easy to find an agent, after completing this short form, the coverage information is submitted to local insurance agents in Seattle who will give competitive quotes for your insurance coverage. You never need to find an agent on your own because quoted prices will be sent instantly to you. You can find the lowest rates without requiring a lot of work. If you have a need to quote rates from a specific car insurance provider, feel free to navigate to their website and fill out their quote form.

Finding a good company requires more thought than just the quoted price. These are some valid questions you should ask.

• Is the agent CPCU or CIC certified?
• Can they provide you with a list of referrals?
• Are all drivers listed on the coverage quote?
• Do the coverages you’re quoting properly cover your vehicle?
• How are claims handled?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• By raising physical damage deductibles, how much would you save?
• How often do they review coverages?

Two different types of car insurance agents

When finding a good Seattle insurance agent, it helps to know the two types of agencies that you can choose from. Agencies in Seattle can either be independent (non-exclusive) or exclusive.

Exclusive Car Insurance Agencies

Agents that choose to be exclusive can only write with one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on what they offer which helps offset the inability to provide other markets.

Shown below are Seattle exclusive insurance agencies who can help you get comparison quotes.

View more Seattle agents

Independent Car Insurance Agencies

These type of agents are not employed by any specific company so they can write business with any number of different companies and get you the best rates possible. If they find a cheaper price, they can switch companies in-house which requires no work on your part.

If you are comparing car insurance prices, you should always check rates from a few independent agents to have the best price comparison.

Listed below are Seattle independent insurance agencies who can help you get comparison quotes.

View more Seattle agents

Why you need insurance

Despite the potentially high cost of Dodge Caliber insurance, maintaining insurance is required in Washington but also provides important benefits.

• Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability coverage if you drive a vehicle. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Caliber, it’s guaranteed your bank will require that you have full coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Dodge at an extremely high rate and require you to reimburse them much more than you were paying before.
• Insurance safeguards your Dodge Caliber and your assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to have it repaired.

The benefits of insuring your car definitely exceed the price paid, especially with large liability claims. Today the average American driver overpays as much as $825 a year so smart consumers compare quotes at every policy renewal to make sure the price is not too high.

Car insurance coverages and their meanings

Learning about specific coverages of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, rehabilitation expenses and pain medications. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/10 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property.

Liability can pay for things such as repair costs for stationary objects, bail bonds and attorney fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible. Washington state law requires minimum liability limits of 25/50/10 but you should think about purchasing more liability than the minimum.

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, hitting a deer, theft and rock chips in glass. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many Washington drivers carry very low liability coverage limits (25/50/10 in Washington), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto collision coverage

Collision insurance will pay to fix damage to your Caliber from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, crashing into a building, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible on your Caliber in order to get cheaper collision rates.

Do the work, save more money

The cheapest Dodge Caliber insurance in Seattle can be bought online as well as from insurance agents, so you need to quote Seattle car insurance with both to have the best selection. A few companies don’t offer rate quotes online and these small, regional companies work with independent insurance agencies.

We’ve covered many tips how you can compare Dodge Caliber insurance prices in Seattle. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

For more information, link through to the following helpful articles:

• Coverage Information (Progressive Insurance)
• What Car Insurance is Cheapest for a Ford Fusion in Seattle? (FAQ)
• Who Has the Cheapest Auto Insurance Rates After a Speeding Ticket in Seattle? (FAQ)
• What Auto Insurance is Cheapest for a Toyota RAV4 in Seattle? (FAQ)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)