How to Save on Portland Dodge Caliber Insurance

Insurance quote for Dodge Caliber in PortlandIt’s a known fact that auto insurance companies want to prevent you from shopping around. People who shop around are inclined to switch insurance companies because of the good chance of finding lower prices. A recent survey discovered that drivers who regularly compared price quotes saved on average $70 a month compared to policyholders who didn’t regularly shop around.

If finding the lowest rates on Dodge Caliber insurance is the reason for your visit, understanding the best way to shop and compare coverages can make it simple to find affordable coverage.

Really, the only way to get budget Dodge Caliber insurance is to make a habit of comparing prices annually from companies who provide car insurance in Portland.

Step 1: Gain an understanding of how insurance companies determine prices and the factors you can control to keep rates low. Many rating criteria that cause high rates like speeding and a bad credit score can be amended by improving your driving habits or financial responsibility. Continue reading for ideas to get cheaper rates and find overlooked discounts.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or State Farm, while independent agencies can quote rates from many different companies.

Step 3: Compare the price quotes to your current policy premium to see if cheaper Caliber coverage is available in Portland. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

A tip to remember is to make sure you enter similar coverage information on every price quote and and to look at as many different companies as possible. This enables a fair rate comparison and a good representation of prices.

If you are already insured or need new coverage, use these cost-cutting techniques to get lower rates and still get good coverage. We hope to let you in on the most effective ways to compare rates. Vehicle owners just have to understand the most effective way to get comparison rates online.

Reducing your Dodge Caliber insurance rates is a fairly straight forward process. Drivers just need to take a few minutes to compare rates provided by online insurance companies.

The following companies are ready to provide free quotes in Portland, OR. To locate cheap auto insurance in Portland, OR, it’s a good idea that you compare several of them to find the cheapest auto insurance rates.

Statistics and details

The rate information shown next showcases different insurance rates for Dodge Caliber models. Having a good understanding how insurance policy premiums are formulated can help you make smart policy decisions.

Dodge Caliber Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $150 $328 $362 $22 $108 $970 $81
Caliber Heat $150 $328 $362 $22 $108 $970 $81
Caliber SE $150 $328 $362 $22 $108 $970 $81
Caliber Mainstreet $150 $328 $362 $22 $108 $970 $81
Caliber Rush $150 $328 $362 $22 $108 $970 $81
Caliber SXT $150 $328 $362 $22 $108 $970 $81
Caliber Uptown $150 $328 $362 $22 $108 $970 $81
Caliber R/T $172 $388 $362 $22 $108 $1,052 $88
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in vehicle garaging location which can influence premium rates noticeably.

Rate comparison for different deductibles

One common question asked by Portland drivers is what deductibles to buy. The following tables lay out the price difference when you select higher and lower insurance deductibles. The first pricing table uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Dodge Caliber insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $240 $496 $320 $18 $96 $1,195 $100
Caliber Heat $240 $496 $320 $18 $96 $1,195 $100
Caliber SE $240 $496 $320 $18 $96 $1,195 $100
Caliber Mainstreet $240 $496 $320 $18 $96 $1,195 $100
Caliber Rush $240 $496 $320 $18 $96 $1,195 $100
Caliber SXT $240 $496 $320 $18 $96 $1,195 $100
Caliber Uptown $240 $496 $320 $18 $96 $1,195 $100
Caliber R/T $274 $586 $320 $18 $96 $1,319 $110
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Dodge Caliber insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $174 $336 $320 $18 $96 $944 $79
Caliber Heat $174 $336 $320 $18 $96 $944 $79
Caliber SE $174 $336 $320 $18 $96 $944 $79
Caliber Mainstreet $174 $336 $320 $18 $96 $944 $79
Caliber Rush $174 $336 $320 $18 $96 $944 $79
Caliber SXT $174 $336 $320 $18 $96 $944 $79
Caliber Uptown $174 $336 $320 $18 $96 $944 $79
Caliber R/T $200 $396 $320 $18 $96 $1,030 $86
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific location information which can impact insurance rates greatly.

Based on the figures above, using a $100 deductible will cost you roughly $21 more each month or $252 each year than opting for the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 19 months between claim filings, you would more than likely save some money by going with a higher deductible. The illustration below shows an example of how this calculation is made.

Average monthly premium for $100 deductibles: $101
Average monthly premium for $500 deductibles (subtract): – $80
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Difference between liability only and full coverage rates

The diagram below compares Dodge Caliber car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or violations, $100 deductibles, single marital status, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There isn’t a written rule to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Dodge Caliber claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If you are paying over $200 annually for full coverage, then it might be time to buy liability only.

There are a few cases where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Get rate quotes but still have a local Portland insurance agent

A small number of people just prefer to visit with an insurance agent and that is a smart decision Licensed agents can make sure you are properly covered and help you file claims. The biggest benefit of comparing rate quotes online is the fact that drivers can get cheap auto insurance rates but still work with a licensed agent. Supporting local insurance agencies is important especially in Portland.

For easy comparison, once you complete this short form, the coverage information is immediately sent to insurance agents in Portland that can give you free Portland auto insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents because prices are sent immediately to you. In the event you want to get a price quote for a specific company, you just need to find their quoting web page and fill out the quote form the provide.

Below are agents in Portland who can help you get price quotes for Dodge Caliber insurance in Portland.

More insurance agents

Deciding on an insurance company should depend on more than just the bottom line cost. A good agent in Portland will have answers to these questions.