Affordable Quotes for Dodge Caliber Insurance in Cincinnati

Statistics show that 70% of consumers kept their policy with the same company for at least the last four years, and practically 40% of insurance customers have never even shopped around for cheap coverage. With the average insurance premium being $1,300, Ohio drivers can save hundreds of dollars each year just by comparing rates, but they don’t invest the time required to shop their coverage around.

Discount Dodge Caliber insuranceReally, the only way to get discount auto insurance rates is to regularly compare price quotes from companies who sell auto insurance in Cincinnati.

A key point to remember is to use the same level of coverage on every price quote and and to get price quotes from every insurance company. This enables a fair rate comparison and the best price selection.

If you already have coverage or want to find a cheaper company, you can use these tips to cut your premiums without reducing coverage. Comparing rates for the lowest-priced car insurance coverage in Cincinnati is quite easy. You just have to learn the quickest way to compare prices using one simple form.

Best Dodge Caliber insurance rates in Ohio

The companies shown below provide comparison quotes in Ohio. To locate the cheapest car insurance in OH, we recommend you visit as many as you can to get the lowest price.

Car insurance data for a Dodge Caliber

The table displayed below covers estimates of insurance prices for Dodge Caliber models. Having a good understanding how insurance prices are determined is important for you to make decisions on which insurance to purchase.

Dodge Caliber Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $170 $364 $306 $18 $92 $950 $79
Caliber Heat $170 $364 $306 $18 $92 $950 $79
Caliber SE $170 $364 $306 $18 $92 $950 $79
Caliber Mainstreet $170 $364 $306 $18 $92 $950 $79
Caliber Rush $170 $364 $306 $18 $92 $950 $79
Caliber SXT $170 $364 $306 $18 $92 $950 $79
Caliber Uptown $170 $364 $306 $18 $92 $950 $79
Caliber R/T $194 $428 $306 $18 $92 $1,038 $87
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in vehicle location which can lower or raise rates noticeably.

The information below demonstrates how deductible levels and can change Dodge Caliber insurance costs for each different age group. The prices are based on a single male driver, full coverage, and no discounts are applied.

How violations and accidents impact rates

The chart below shows how traffic citations and accidents impact Dodge Caliber insurance prices for each age group. The costs are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.

Dodge Caliber insurance rates: Men versus women

The chart below compares Dodge Caliber auto insurance rates for male and female drivers. The costs are based on no claims or driving citations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Rate difference between full and liability-only coverage

The diagram below shows the comparison of Dodge Caliber premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.

When to stop paying for full coverage

There is no clear-cut rule that is best for determining when to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Dodge Caliber settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the policy deductible has been paid. If premium cost is more than $200 a year to have full coverage, then it could be time to drop full coverage.

There are some situations where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.

Earn discounts on Cincinnati car insurance

Companies offering auto insurance do not advertise every discount they offer in an easy-to-find place, so the list below details some of the best known and the harder-to-find credits available to you.

Don’t be surprised that most of the big mark downs will not be given to the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.

The illustration below shows the comparison of Dodge Caliber auto insurance rates with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no claims, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, marriage, and homeowner discounts applied.

Some companies who might offer these benefits include:

Before you buy a policy, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in Cincinnati. For a list of providers that offer some of these discounts in Cincinnati, click here.

Which is the best auto insurance?

When quoting and comparing the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your auto insurance should be unique as well. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance agents are trained to help

A lot of people just want to get advice from a local agent and that is recommended in a lot of cases Good agents are trained to spot inefficiencies and help in the event of a claim. An additional benefit of getting online price quotes is you may find lower prices but still work with a licensed agent. Buying insurance from neighborhood agents is still important in Cincinnati.

Find insurance agent in CincinnatiTo find an agent, once you fill out this form (opens in new window), your information is transmitted to local insurance agents that provide free Cincinnati car insurance quotes for your coverage. You never need to contact an agency since price quotes are sent to you. If you have a need to get a rate quote from a specific insurance company, you would need to find their quoting web page and fill out the quote form the provide.

If you are wanting to find a local Cincinnati insurance agent, it can be helpful to understand the different types of agents to choose from. Agents in Cincinnati may be either exclusive or independent agents depending on their company appointments. Either one can provide auto insurance policies, but it’s important to point out how they are different since it can impact the type of agent you choose.

Independent Auto Insurance Agencies

These type of agents are not employed by any specific company and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. If premiums increase, your policy is moved internally and that require little work on your part. If you are comparing rate quotes, you will definitely want to compare prices from multiple independent agents so that you can do a thorough price comparison. Most can insure with different regional companies that many times have cheaper rates.

Below is a partial list of independent insurance agents in Cincinnati that may be able to give you pricing information.

More insurance agents

Exclusive Auto Insurance Agencies

Exclusive insurance agents can only quote rates from one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to give you multiple price quotes so always compare other rates. These agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Drivers often use the same exclusive agent partially due to the brand name rather than having low rates.

Below are exclusive insurance agents in Cincinnati who can help you get price quote information.

More insurance agents

Picking an insurance agency needs to be determined by more than just the quoted price. Here are some questions you should ask.

After talking to the agent and getting reasonable responses to your questions and locked in a price quote, you’ve probably found an insurance agent that is reliable enough to properly insure your vehicles. It’s important to know that it’s your policy and you can cancel coverage whenever you wish so never assume you are locked into any particular company for any length of time.

What is the best car insurance company in Ohio?

Choosing the right car insurance company can be difficult considering how many different companies sell coverage in Cincinnati. The ranking information displayed below can help you decide which companies you want to consider buying from.

Top 10 Cincinnati Car Insurance Companies Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

Quote more to save more

When shopping online for insurance, do not reduce coverage to reduce premium. There have been many cases where drivers have reduced collision coverage and learned later that the savings was not a smart move. Your aim should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.

Budget-friendly insurance in Cincinnati can be purchased online and with local Cincinnati insurance agents, so get free Cincinnati car insurance quotes from both of them to have the best chance of lowering rates. Some companies don’t offer online price quotes and these small insurance companies only sell through independent agencies.

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