How to Save on Tampa Dodge Caliber Insurance

No one fancies paying their premiums for auto insurance, especially when they know their premiums are too high.

It’s safe to assume that car insurance companies don’t want you to look for cheaper rates. Insureds who perform rate comparisons are highly likely to buy a different policy because they stand a good chance of finding a policy with more affordable rates. A recent survey found that consumers who made a habit of comparing rates saved as much as $850 each year compared to other drivers who never shopped around.

If finding the lowest price on Dodge Caliber insurance is your ultimate goal, learning how to get rate quotes and compare coverage rates can help you be more efficient.

How to buy affordable Dodge Caliber insurance in Tampa

If you want to save money, the best way to get low-cost Dodge Caliber insurance in Tampa is to do an annual price comparison from insurance carriers who provide car insurance in Florida. This can be done by completing these steps.

First, read and learn about how companies set rates and the modifications you can make to keep rates low. Many rating factors that cause high rates such as traffic citations, accidents, and an imperfect credit rating can be controlled by making minor changes in your lifestyle. This article gives additional tips to prevent high rates and find hidden discounts.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple sources.

Third, compare the new rates to the premium of your current policy to see if you can save by switching companies. If you find better rates and decide to switch, make sure coverage does not lapse between policies.

Fourth, notify your company or agent of your decision to cancel your current coverage and submit the application along with any required down payment for the new policy. Once the application is submitted, keep your new proof of insurance paperwork in your glove compartment.

One piece of advice is to use identical limits and deductibles on each quote request and and to get price quotes from as many different insurance providers as possible. This enables an accurate price comparison and the best price selection.

Due to the large number of insurance companies to choose from that have cheap insurance for a Dodge Caliber in Tampa, it is very difficult to locate the best auto insurance provider.

It is always a good idea to take a look at other company’s rates occasionally because auto insurance prices trend upward over time. Just because you had the best price on Dodge Caliber insurance in Tampa two years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best methods to reduce your cost while improving coverage.

Finding the cheapest car insurance coverage in Tampa is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to save money using the techniques presented in this article. Smart buyers only have to learn the tricks to get comparison quotes online from multiple companies.

Cheapest auto insurance in Tampa, FL

The providers in the list below can provide quotes in Tampa, FL. If multiple companies are listed, we suggest you visit several of them to find the cheapest auto insurance rates.

Dodge Caliber insurance rate analysis

The price information displayed next outlines detailed analysis of insurance costs for Dodge Caliber models. Having a better idea how prices are determined is important to be able to make decisions when choosing a new policy provider.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in zip code location which can influence price quotes substantially.

Rate comparison for different deductibles

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The following tables illustrate the premium difference between low and high physical damage deductibles. The first pricing table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $28 more each month or $336 for a full year averaged for all Caliber models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 27 months between claim filings, you would save more money going with the higher deductible.

The chart below demonstrates how choosing different deductibles and can impact Dodge Caliber premium costs for different age categories. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Annual premiums for males versus females in Tampa

The chart below compares Dodge Caliber yearly insurance costs for male and female drivers. The premiums are based on no claims or violations, comp and collision included, $250 deductibles, single marital status, and no other discounts are factored in.

Dodge Caliber insurance discounts in Tampa

Auto insurance companies don’t always advertise their entire list of discounts in an easy-to-find place, so below is a list a few of the more well known and the more hidden discounts that may be available.

• Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save 10% or more off the medical payments premium.
• Organization Discounts – Participating in specific professional or occupational memberships or organizations could earn you a nice discount when shopping for car insurance.
• Discount for Home Ownership – Just owning your own home can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
• Early Renewal Discounts – Some car insurance companies reward drivers for renewing your policy prior to the expiration date on your current Caliber insurance policy. You could save around 10% when you buy Tampa car insurance online.
• No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on Tampa car insurance quote when compared to policyholders that have many claims.
• College Student Discount – College-age children who are enrolled in higher education away from home without a vehicle on campus can be insured at a reduced rate.
• Defensive Driving Course – Completing a class that teaches driver safety techniques is a good idea and can lower rates and make you a better driver.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
• Low Miles Discount – Low annual miles could be rewarded with discounted car insurance rates on garaged vehicles.

While discounts sound great, it’s important to understand that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The diagram below shows the comparison of Dodge Caliber annual premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, no claims, a clean driving record, Florida 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 homeowner, multi-policy, safe-driver, claim-free, marriage, and multi-car discounts applied.

Large car insurance companies and their offered discounts can be found below.

• Progressive offers premium reductions for online quote discount, multi-vehicle, homeowner, good student, and continuous coverage.
• AAA offers discounts including good student, education and occupation, AAA membership discount, multi-car, pay-in-full, and good driver.
• Farmers Insurance has savings for pay in full, mature driver, youthful driver, early shopping, teen driver, and multi-car.
• GEICO policyholders can earn discounts including multi-policy, driver training, emergency military deployment, defensive driver, anti-lock brakes, and membership and employees.
• Esurance may include discounts for anti-lock brakes, emergency road assistance, Pac-12 alumni, Switch & Save, safety device, claim free, and paid-in-full.
• SAFECO may offer discounts for multi-car, anti-lock brakes, safe driver, accident prevention training, and drive less.
• State Farm offers discounts for Drive Safe & Save, safe vehicle, passive restraint, Steer Clear safe driver discount, multiple policy, and defensive driving training.

If you are trying to find affordable Tampa car insurance quotes, ask each insurance company to apply every possible discount. Some discounts listed above might not be offered on policies in Tampa. To see a list of providers who offer free Dodge Caliber insurance quotes in Tampa, click here to view.

Smart Choices Result in Lower Insurance Costs

Lots of things are considered when quoting car insurance. Some factors are common sense like your driving record, although others are less obvious such as whether you are married and annual miles driven. Consumers need to have an understanding of some of the elements that are used to determine car insurance rates. If you have some idea of what determines base rates, this enables informed choices that can help you get lower rates.

The following are just a few of the factors companies use to determine premiums.

• Higher coverage deductibles save money – The deductibles you choose tell how much you are willing to pay if a covered claim is submitted. Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your car. Some instances where coverage would apply are colliding with a stationary object, vandalism, and having a roll-over accident. The more expense you’re willing to pay, the less money you will pay for car insurance.

• How your age affects prices – Drivers with little experience have been known to be careless and easily distracted with other occupants in the car and because of this, their car insurance rates are much higher. Older insureds have been proven to be more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.

  The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Vehicle risk impacts costs – The performance of the car you need insurance for makes a substantial difference in your rates. Lower cost passenger cars generally receive the lowest base rates, but that’s not the only thing that factors into the final price.

  The chart below uses these assumptions: married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It shows Dodge Caliber insurance premiums compared to other makes and models that have different performance rating factors.

• Safer occupants lowers premiums – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles reduce occupant injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders.

Insurance quotes from local neighborhood Tampa car insurance agents

A lot of people just prefer to sit down with an agent and there is nothing wrong with that. Good insurance agents will help you protect your assets and give you someone to call. A good thing about getting online price quotes is that you can find the best rates and still buy from a local agent.

To help locate an agent, after submitting this simple form, your coverage information is submitted to insurance agents in Tampa who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house due to the fact that quote results will go to the email address you provide. If for some reason you want to get a price quote from one company in particular, you just need to jump over to their website and fill out the quote form the provide.

Picking the best provider needs to be determined by more than just a cheap price. Any good agent in Tampa should know the answers to these questions.

• Does the agency have a current Errors and Omissions policy?
• Which company do they place the most coverage with?
• Where would your vehicle be repaired?
• Are claims handled at the agent’s location?
• Does the agency have a good rating with the Better Business Bureau?

Shown below is a list of insurers in Tampa that are able to give price quotes for Dodge Caliber insurance in Tampa.

View more Tampa agents

Quote. Compare. Save.

As you quote Tampa car insurance, you should never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced collision coverage only to regret that the savings was not a smart move. Your aim should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

We just presented many tips how you can reduce Dodge Caliber insurance rates online in Tampa. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper Tampa car insurance quotes. Consumers could even find that the most savings is with some of the lesser-known companies. They can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

Steps to finding discount Dodge Caliber insurance in Tampa

Truthfully, the best way to quote cheaper Dodge Caliber insurance is to compare prices at least once a year from insurance carriers in Tampa. You can shop around by following these guidelines.

First, learn about policy coverages and the measures you can control to drop your rates. Many things that are responsible for high rates such as distracted driving and an unacceptable credit score can be controlled by making minor changes in your lifestyle.

Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can quote prices from multiple companies.

Third, compare the new rates to your current policy premium to determine if you can save on Caliber insurance. If you find a better price and make a switch, make sure there is no lapse in coverage.

Fourth, give proper notification to your current agent or company of your intention to cancel your current car insurance policy and submit a signed application and payment to the new insurer. Once the application is submitted, store the certificate of insurance in an easily accessible location in your vehicle.

A crucial key to this process is to try to compare similar coverage information on every quote request and and to get quotes from as many companies as possible. Doing this enables an apples-to-apples comparison and a complete rate analysis.

Other learning opportunities

• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• How Much is Auto Insurance for First-time Drivers in Tampa? (FAQ)
• Who Has Affordable Auto Insurance for a Chevrolet Equinox in Tampa? (FAQ)
• Who Has Cheap Tampa Auto Insurance for a Toyota Tacoma? (FAQ)
• What Insurance is Cheapest for Police Officers in Tampa? (FAQ)
• What Auto Insurance is Cheapest for Handicapped Drivers in Tampa? (FAQ)
• What is a Telematics Device? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)