Find Cheaper Dodge Caliber Insurance in Los Angeles

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Insurance quote for Dodge Caliber in Los AngelesDo you want to learn to get more affordable car insurance rates in Los Angeles, CA? Los Angeles drivers have lots of choices when trying to find low-cost Dodge Caliber insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to make rate comparisons. There is a better way to find car insurance online and you need to know the best way to get price quotes for a new or used Dodge and locate the lowest price from Los Angeles insurance agents and online providers.

It is always a good idea to do price comparisons at least once a year because car insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on Dodge Caliber insurance in Los Angeles last year you can probably find a better rate quote now. There is a lot of bad information regarding Caliber insurance on the web, but by reading this article, you're going to learn a lot of great tips on how to find cheap car insurance in Los Angeles.

If you have a current auto insurance policy or just want cheaper coverage, use these techniques to reduce premiums without having to cut coverage. This article will instruct you on the most effective way to quote insurance and some tips to save money. Drivers just have to learn the fastest way to compare prices on the web.

The majority of larger companies such as State Farm, GEICO and Progressive provide insurance quotes directly from their websites. The process is pretty painless as you just type in the coverage amounts you desire into the form. After the form is submitted, the quote system collects your credit score and driving record and provides a quote based on the data you entered.

Quoting online for Dodge Caliber insurance in Los Angeles makes comparing rates easy, and it is imperative to get many rate quotes in order to get the most affordable premium possible.

To find out if lower rates are available, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you complete the form with coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will receive a rate comparison for the exact same coverage.

The following companies offer price comparisons in California. If multiple companies are shown, we suggest you compare several of them to get the best price comparison.

Insurance rate breakdown

The coverage table displayed next covers estimates of insurance rates for Dodge Caliber models. Having a better understanding of how insurance policy premiums are determined can be useful when making informed decisions.

Dodge Caliber Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $242 $464 $442 $26 $132 $1,306 $109
Caliber Heat $242 $464 $442 $26 $132 $1,306 $109
Caliber SE $242 $464 $442 $26 $132 $1,306 $109
Caliber Mainstreet $242 $464 $442 $26 $132 $1,306 $109
Caliber Rush $242 $464 $442 $26 $132 $1,306 $109
Caliber SXT $242 $464 $442 $26 $132 $1,306 $109
Caliber Uptown $242 $464 $442 $26 $132 $1,306 $109
Caliber R/T $278 $546 $442 $26 $132 $1,424 $119
Get Your Own Customized Quote Go

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

An analysis of deductible level

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The rates below may aid in understanding the price difference between low and high deductibles. The first rate comparisons uses a $100 physical damage deductible and the second rate chart 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 $332 $686 $442 $26 $132 $1,643 $137
Caliber Heat $332 $686 $442 $26 $132 $1,643 $137
Caliber SE $332 $686 $442 $26 $132 $1,643 $137
Caliber Mainstreet $332 $686 $442 $26 $132 $1,643 $137
Caliber Rush $332 $686 $442 $26 $132 $1,643 $137
Caliber SXT $332 $686 $442 $26 $132 $1,643 $137
Caliber Uptown $332 $686 $442 $26 $132 $1,643 $137
Caliber R/T $380 $810 $442 $26 $132 $1,815 $151
Get Your Own Customized Quote Go
Dodge Caliber insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $242 $464 $442 $26 $132 $1,306 $109
Caliber Heat $242 $464 $442 $26 $132 $1,306 $109
Caliber SE $242 $464 $442 $26 $132 $1,306 $109
Caliber Mainstreet $242 $464 $442 $26 $132 $1,306 $109
Caliber Rush $242 $464 $442 $26 $132 $1,306 $109
Caliber SXT $242 $464 $442 $26 $132 $1,306 $109
Caliber Uptown $242 $464 $442 $26 $132 $1,306 $109
Caliber R/T $278 $546 $442 $26 $132 $1,424 $119
Get Your Own Customized Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower prices significantly.

Based on the figures above, using a $100 deductible costs roughly $29 more each month or $348 annually than buying the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 14 months between claim filings, you would save more money if you opt for a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $139
Average monthly premium for $500 deductibles (subtract): - $110
Monthly savings from raising deductible: $29
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

An important thing to remember is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. That will necessitate enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.

The example below highlights how deductible selection and can increase or decrease Dodge Caliber annual premium costs for different ages of insureds. The data is based on a married female driver, full coverage, and no discounts are applied to the premium.

Full coverage versus liability only rates

The diagram below shows the difference between Dodge Caliber annual premium costs when comparing full coverage to state minimum liability only. The premiums assume no accidents or driving violations, $100 deductibles, marital status is single, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no specific rule for eliminating comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's say your Dodge Caliber book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are paying more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you have to carry 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 maintain full coverage.

Do I need an insurance agent?

A small number of people would prefer to get professional advice from a licensed agent and that is a personal choice. Agents can help determine the best coverages and help you file claims. One of the best bonuses of getting free rate quotes online is you may find cheap car insurance rates and still buy from a local agent.

Insurance agents in Los AngelesTo find an agent, once you fill out this simple form, the coverage information is instantly submitted to insurance agents in Los Angeles who want to provide quotes for your insurance coverage. It's much easier because you don't need to drive around because prices are sent directly to your email. In the event you want to compare rates from a specific car insurance provider, you just need to jump over to their website and give them your coverage information.

Finding the right company should depend on more than just a low price. Any agent in Los Angeles should be forthright in answering these questions:

  • What companies can they write with?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Can glass claims be handled at your home?
  • Is every driver in your family covered?
  • How many years of experience in personal auto insurance do they have?

If you are wanting to find a reputable agency, you need to know there are two different agency structures that you can select. Agents in Los Angeles are considered either exclusive or independent agents depending on their company appointments. Both types of agents can handle car insurance, but it's worth mentioning how they are different since it can impact your selection of an agent.

Exclusive Car Insurance Agents

Agents of this type can only quote rates from one company and examples are State Farm or Allstate. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which aids in selling service over price. A lot of people buy from the same agent for years partially due to the brand legacy rather than low rates.

Shown below are exclusive insurance agents in Los Angeles that can give you rate quotes.

More Los Angeles agents

Independent Insurance Agents

Agents in the independent channel are not restricted to one company so they can quote policies with a variety of different insurance companies and get you the best rates possible. If premiums increase, your agent can just switch to a different company and you don't have to find a new agent.

If you need cheaper car insurance rates, it's a good idea to include rate quotes from independent agents to have the best price comparison. Many write coverage with companies you've never heard of that many times have cheaper rates.

Below is a short list of independent insurance agencies in Los Angeles who can help you get rate quotes.

More Los Angeles agents