Auto Insurance Quotes for a Dodge Caliber in Plano

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A recent auto insurance study revealed that most drivers have stayed with the same insurance company for at least four years, and nearly 40% of drivers have never even compared quotes to find lower-cost rates. Many drivers in Texas could save themselves almost 70% a year by just shopping around, but they underestimate the actual amount they would save if they swap their current policy for a cheaper one.

Insurance rates Dodge Caliber in PlanoIf your goal is the lowest price, then the best way to get cheaper Dodge Caliber insurance is to make a habit of comparing prices annually from providers who sell insurance in Plano.

  • First, it will benefit you to learn about car insurance and the things you can control to prevent rate increases. Many policy risk factors that cause high rates like accidents, traffic tickets, and your credit history can be eliminated by making minor driving habit or lifestyle changes.
  • Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can provide prices from multiple insurance companies.
  • Third, compare the new rates to the premium of your current policy to determine if you can save on Caliber insurance. If you find better rates and switch companies, ensure coverage does not lapse between policies.

One thing to remember is to use the same level of coverage on each quote request and and to get price quotes from as many companies as possible. Doing this ensures an apples-to-apples comparison and a complete price analysis.

Discount Plano car insurance rates

Some providers don't always advertise every discount very clearly, so the list below details a few of the more well known in addition to some of the lesser obvious ways to save on car insurance.Discount car insurance

  • Defensive Driver Discount - Passing a course that instructs on driving safety could save 5% or more and make you a better driver.
  • Multiple Vehicles - Buying coverage for multiple vehicles with the same car insurance company can get a discount on all vehicles.
  • Memberships - Participating in qualifying employment or professional organizations could earn you a nice discount when shopping for car insurance.
  • Online Discount - Some companies give back up to $50 for buying a policy and signing up digitally online.
  • Claim-Free Discount - Drivers who don't have accidents get the best car insurance rates when compared to drivers who are more careless.
  • ABS and Traction Control Discounts - Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.
  • New Car Discount - Buying a new car instead of a used Caliber can save up to 30% because new model year vehicles are generally safer.
  • Senior Discount - Drivers over the age of 55 can get a small decrease in premiums.

Discounts lower rates, but some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it just doesn't work that way.

The illustration below illustrates the difference between Dodge Caliber insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, claim-free, and multi-car discounts applied.

Auto insurance companies that possibly offer these benefits possibly include:

When getting free Plano car insurance quotes, it's a good idea to every company which discounts you may be entitled to. Savings may not apply in your state.

The easiest way to compare car insurance company rates for Dodge Caliber insurance in Plano is to know almost all companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is provide information like how old drivers are, how you use your vehicles, your job, and how much education you have. Those rating factors is then sent to insurance companies and they return rate quotes instantly.

To check rates for your Dodge Caliber now, click here then complete the form.

The car insurance companies shown below provide free rate quotes in Plano, TX. In order to find cheap car insurance in Texas, it's highly recommended you visit as many as you can in order to find the lowest rates.

Car insurance data for a Dodge Caliber

The premium information displayed below outlines estimates of coverage costs for Dodge Caliber models. Learning more about how prices are established helps drivers make smart choices when selecting a coverage provider.

Dodge Caliber Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $252 $570 $462 $28 $138 $1,450 $121
Caliber Heat $252 $570 $462 $28 $138 $1,450 $121
Caliber SE $252 $570 $462 $28 $138 $1,450 $121
Caliber Mainstreet $252 $570 $462 $28 $138 $1,450 $121
Caliber Rush $252 $570 $462 $28 $138 $1,450 $121
Caliber SXT $252 $570 $462 $28 $138 $1,450 $121
Caliber Uptown $252 $570 $462 $28 $138 $1,450 $121
Caliber R/T $288 $672 $462 $28 $138 $1,588 $132
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can affect premium rates substantially.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The rates shown below may help to illustrate the rate fluctuation when you select higher and lower policy deductibles. The first rate quote example uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.

Dodge Caliber insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $256 $496 $382 $22 $114 $1,295 $108
Caliber Heat $256 $496 $382 $22 $114 $1,295 $108
Caliber SE $256 $496 $382 $22 $114 $1,295 $108
Caliber Mainstreet $256 $496 $382 $22 $114 $1,295 $108
Caliber Rush $256 $496 $382 $22 $114 $1,295 $108
Caliber SXT $256 $496 $382 $22 $114 $1,295 $108
Caliber Uptown $256 $496 $382 $22 $114 $1,295 $108
Caliber R/T $294 $584 $382 $22 $114 $1,421 $118
Get Your Own Custom Quote Go
Dodge Caliber insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $158 $312 $382 $22 $114 $988 $82
Caliber Heat $158 $312 $382 $22 $114 $988 $82
Caliber SE $158 $312 $382 $22 $114 $988 $82
Caliber Mainstreet $158 $312 $382 $22 $114 $988 $82
Caliber Rush $158 $312 $382 $22 $114 $988 $82
Caliber SXT $158 $312 $382 $22 $114 $988 $82
Caliber Uptown $158 $312 $382 $22 $114 $988 $82
Caliber R/T $182 $368 $382 $22 $114 $1,068 $89
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in vehicle location which can modify rates greatly.

Based on these figures, using a $250 deductible will cost you roughly $26 more each month or $312 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 29 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Yearly car insurance costs for men versus women

The illustration below shows the comparison of Dodge Caliber insurance premiums for male and female drivers. The information is based on no violations or accidents, full coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Should you buy full coverage?

The information below compares Dodge Caliber insurance premiums when comparing full coverage to liability only. The premiums assume no claims or violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to stop buying physical damage coverage

There isn't a written rule that works best for making the decision to drop physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let's say your Dodge Caliber book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying your policy deductible. If you are paying in excess of $500 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some scenarios where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Your auto insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone's situation is a little different.Auto insurance savings

These are some specific questions might point out if your insurance needs might need an agent's assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • What if an uninsured driver hits me?
  • Is my trailer covered?
  • Is motorclub coverage worth it?
  • Is a new car covered when I drive it off the dealer lot?
  • Will my Dodge Caliber be repaired with OEM or aftermarket parts?
  • Am I insured when driving a different vehicle?
  • Does having multiple vehicles earn me a discount?

If you can't answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Buying from auto insurance agents

Many people would rather go talk to an agent and that can be a smart move Professional insurance agents can help you build your policy and help you file claims. One of the best bonuses of price shopping on the web is you can get the lowest rates and still choose a local agent.

After filling out this simple form, your insurance data is sent to companies in Plano who will give you bids for your business. You never need to find an agent on your own due to the fact that quote results will go to you instantly. If you wish to compare prices for a specific company, you just need to go to their quote page and fill out their quote form.

Finding the right provider needs to be determined by more than just the quoted price. You should also get answers to these questions.

  • Are there any discounts for paying up front?
  • What is their Better Business Bureau rating?
  • Does the agent help file claims?
  • Do they see any coverage gaps in your plan?
  • Who is covered by the car insurance policy?
  • How much experience to they have in personal lines coverages?

If you want to use a local Plano insurance agent, it's helpful to know the different types of agents and how they can service your needs differently. Plano agents are either independent or exclusive. Either one can provide auto insurance policies, but we need to point out how they differ since it can affect the type of agent you choose.

Exclusive Auto Insurance Agents

Exclusive agents can only quote rates from one company and some examples include State Farm, Allstate, or Farmers Insurance. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are trained well on their company's products which helps them sell on service rather than price.

Below is a short list of exclusive insurance agencies in Plano that can give you rate quotes.


8612 Preston Rd d119 - Plano, TX 75024 - (972) 384-2660 - View Map


6205 Coit Rd #300 - Plano, TX 75024 - (214) 473-9000 - View Map


280 Legacy Dr #250 - Plano, TX 75023 - (972) 575-9100 - View Map

More insurance agents

Independent Insurance Agents

Agents in the independent channel are not limited to a single company and that enables them to quote your coverage with an assortment of companies and get you the best rates possible. If your agent finds better pricing, they can switch companies in-house which makes it simple for you.

When comparing auto insurance rates, you absolutely need to check rates from a few independent agents so that you can do a thorough price comparison.

Shown below is a list of independent insurance agents in Plano that are able to give price quote information.


2817 Regal Rd # 101 - Plano, TX 75075 - (972) 596-5866 - View Map


6500 Pinecrest Dr - Plano, TX 75024 - (800) 486-5616 - View Map


1110 E Parker Rd #106 - Plano, TX 75074 - (972) 200-5070 - View Map

More insurance agents

Once you have answers to your satisfaction to these questions and cheap Caliber insurance quotes, you have narrowed it down to an insurance agency that is a good match to provide auto insurance coverage.

Affordable car insurance prices are available

You just read some good ideas how to lower your Dodge Caliber insurance rates in Plano. The key thing to remember is the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a small mutual company.

Consumers switch companies for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, questionable increases in premium or even extreme rates for teen drivers. It doesn't matter what your reason, finding a new company is not as hard as you think.

Budget-friendly car insurance in Plano is available from both online companies and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not have price quotes online and many times these small insurance companies provide coverage only through independent agents.

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