Dodge Caliber Insurance Rate Quotes in Aurora

Want to learn how to save money and find lower-priced Dodge Caliber insurance in Aurora? If online car insurance comparisons are new to you, there’s a good chance you are confused by the vast assortment local agents and online companies offering coverage in Aurora.

Steps to finding low-cost rates for Dodge Caliber insurance in Aurora

The best way we recommend to find affordable car insurance rates is to compare prices annually from insurance carriers who sell auto insurance in Aurora.

1. Try to comprehend how companies price auto insurance and the measures you can take to keep rates in check. Many rating criteria that cause rate increases like multiple speeding tickets and an unfavorable credit rating can be rectified by making minor changes to your lifestyle. This article gives additional ideas to help prevent expensive coverage and get additional discounts that may be available.
2. Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can provide price quotes for many different companies. Compare rates
3. Compare the new quotes to your existing policy and see if there is a cheaper rate in Aurora. If you find a lower rate quote, ensure there is no coverage lapse between policies.
4. Notify your current company of your intention to cancel your existing policy. Submit a signed application and payment to the new company. Immediately store the certificate verifying proof of insurance with the vehicle registration.

An important note is to make sure you enter the same level of coverage on each price quote and and to get price quotes from as many companies as feasibly possible. This guarantees the most accurate price comparison and plenty of rates choose from.

We don’t have to point out that fact that car insurance companies don’t want their customers to go rate shopping. Insureds who shop rates annually will most likely buy a new policy because of the high probability of finding a more affordable policy. A recent survey discovered that consumers who routinely shopped around saved about $850 each year compared to other drivers who didn’t regularly shop around.

If finding the lowest rates on insurance is your goal, then having a grasp of the best way to quote and compare car insurance can save time and make the process easier.

It’s a great practice to shop coverage around periodically because car insurance rates change quite often. Just because you had the best rate on Dodge Caliber insurance in Aurora on your last policy there is a good chance you can find better prices now. Block out anything you think you know about car insurance because you’re going to learn the right way to reduce your cost while increasing coverage.

If you have a current car insurance policy, you will be able to buy cheaper car insurance using the concepts you’re about to learn. The intent of this article is to teach you a little about how car insurance companies work and some tricks to saving. Nevertheless, Colorado vehicle owners need to have an understanding of the way companies determine premium rates because it varies considerably.

The quickest method to compare rates for Dodge Caliber insurance in Aurora is to take advantage of the fact most insurance companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if it has an alarm system, if you lease or own, driver details, and distance driven. Your insurance information is instantly submitted to all major companies and you will receive price estimates almost instantly.

If you would like to compare rates now, click here and enter the information requested.

The following companies are ready to provide free rate quotes in Colorado. If you want the best car insurance in Colorado, we recommend you visit two to three different companies to get the best price comparison.

Insurance in Colorado serves several purposes

Even though it’s not necessarily cheap to insure a Dodge in Aurora, buying insurance may be required and benefits you in several ways.

• Most states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability insurance in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you have a lien on your Dodge, almost all lenders will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Dodge at a more expensive rate and require you to reimburse them a much higher amount than you were paying before.
• Insurance preserves both your assets and your car. It will also reimburse you for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of carrying adequate insurance outweigh the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays more than $830 a year so smart consumers compare quotes every year to make sure the price is not too high.

Car insurance statistics for a Dodge Caliber

The price information below covers different insurance rates for Dodge Caliber models. Having a better idea how car insurance prices are formulated helps drivers make informed decisions when shopping around for a new policy.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific location information which can affect price quotes noticeably.

Physical damage deductible comparison

When buying car insurance, a common question is how low should you set your deductibles. The rates below can help you visualize the rate fluctuation when you choose different physical damage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in zip code location which can change prices substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $13 more each month or $156 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 19 months between claim filings, you would more than likely save some money going with the higher deductible.

An important thing to remember is that raising deductibles to save money means you pay more out-of-pocket when you have a claim. That will necessitate some money saved in order to pay the deductible to have repairs made.

The illustration below demonstrates how deductibles and can influence Dodge Caliber insurance rates for each age group. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Responsible drivers pay cheaper car insurance rates

The chart below shows how speeding tickets and at-fault claims drive up Dodge Caliber yearly insurance costs for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Dodge Caliber insurance rates: Men versus women

The illustration below illustrates the comparison of Dodge Caliber insurance rates for male and female drivers. The data is based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Does full coverage make sense?

The example below shows the comparison of Dodge Caliber premium costs with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.

When to drop comp and collision

There is no definitive rule to delete comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s say your Dodge Caliber claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year to have full coverage, then it could be time to drop full coverage.

There are some scenarios where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Verify you’re earning every discount

Auto insurance companies do not list the complete list of policy discounts in a way that’s easy to find, so below is a list a few of the more well known and also the lesser-known credits available to you.

• Auto/Life Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
• College Student – Kids who attend college more than 100 miles from Aurora and do not have access to a covered vehicle may qualify for this discount.
• Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
• First Accident Forgiveness – Not necessarily a discount, but some insurance companies permit an accident before they charge you more for coverage so long as you are claim-free for a certain period of time.
• Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• Low Miles Discount – Driving less could qualify for cheaper car insurance rates.
• Claim Free – Claim-free drivers are rewarded with significantly better rates on Aurora car insurance quote in comparison with insureds who have frequent claims or accidents.
• Safety Course Discount – Passing a course that instructs on driving safety could save 5% or more if you qualify.

As a footnote on discounts, many deductions do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

The information below illustrates the difference between Dodge Caliber insurance rates with and without discounts applied to the rates. The premiums are based on a female driver, no driving violations, no at-fault accidents, Colorado 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 claim-free, multi-policy, marriage, homeowner, multi-car, and safe-driver discounts applied.

For a list of providers with the best Dodge Caliber insurance discounts in Aurora in Colorado, click this link.

Can’t I get rate quotes from local Aurora insurance agencies?

Certain consumers would prefer to talk to an insurance agent and doing so can bring peace of mind A good thing about comparing rates online is that drivers can save money and get lower rates but still work with a licensed agent.

To help locate an agent, after submitting this simple form, your information is sent to insurance agents in Aurora that provide free Aurora car insurance quotes for your insurance coverage. It’s much easier because you don’t need to find an agent as quotes are delivered to your email. Get lower rates AND an agent nearby. If you need to get a price quote from a particular provider, just navigate to their website to submit a rate quote request.

Choosing an insurer requires you to look at more than just a cheap price quote. These are some questions you should get answers to.

• Are they full-time agents?
• Do they specialize in personal lines coverage in Aurora?
• Do they feel the quoted coverages are adequate?
• How long have they worked with personal auto insurance coverage?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Are claims handled at the agent’s location?
• What company holds the largest book of business for them?
• Are they giving you every discount you deserve?

Aurora auto insurance agents are either independent or exclusive

When finding a reputable insurance agent or broker, you must know there are a couple different agency structures and how they differ in how they can insure your vehicles. Car insurance agents in Aurora are either exclusive or independent agents depending on their company appointments.

Exclusive Car Insurance Agents

Exclusive insurance agents can only place business with one company and examples are AAA, Allstate, and State Farm. These agents are not able to provide other company’s prices so always compare other rates. Exclusive agents are well trained in insurance sales which helps overcome the inability to quote other rates. Some consumers prefer to buy from exclusive agents mostly because of the brand rather than having low rates.

Below are Aurora exclusive insurance agencies who may provide you with rate quotes.

• Bill Mahaffy III – State Farm Insurance Agent
  15281 E Smoky Hill Rd – Aurora, CO 80015 – (720) 886-0400 – View Map
• Scott Underwood State Farm Insurance
  15322 E Alameda Pkwy #25 – Aurora, CO 80017 – (303) 745-3174 – View Map
• Melissa Kitowski – State Farm Insurance Agent
  13750 E Rice Pl Ste 101 – Aurora, CO 80015 – (303) 680-6666 – View Map

More insurance agents

Independent Agents (or Brokers)

Agents of this type are appointed with more than one company and that gives them the ability to insure with an assortment of companies and find you the best rates. To move your coverage to a new company, they simply move your policy to a different company and you can keep the same agent. When comparing car insurance rates, we highly recommend that you get rate quotes from several independent insurance agents to have the most options to choose from. Most also write with small regional insurance companies which could offer lower prices.

The following is a short list of independent agents in Aurora that are able to give rate quotes.

• MG Insurance Brokers Llc
  2600 S Parker Rd # 263 – Aurora, CO 80014 – (303) 309-6200 – View Map
• All Drivers Insurance
  12142 E Mississippi Ave – Aurora, CO 80012 – (303) 695-1000 – View Map
• Colorado Insurance Professionals, Inc.
  13693 E Iliff Ave – Aurora, CO 80014 – (303) 755-8600 – View Map

More insurance agents

Auto insurance 101

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, scraping a guard rail, hitting a parking meter, rolling your car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible on your Caliber to bring the cost down.

Uninsured and underinsured coverage

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Caliber.

Since a lot of drivers only carry the minimum required liability limits (25/50/15), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as surgery, chiropractic care and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage can cover damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/15 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $15,000 of coverage for damaged property.

Liability can pay for claims such as emergency aid, attorney fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford. Colorado state minimum liability requirements are 25/50/15 but drivers should carry higher limits.

The chart below shows why the minimum limit may not be adequate.

Persistent drivers can save

We just showed you a lot of ways to compare Dodge Caliber insurance rates in Aurora. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheaper Aurora car insurance quotes. Consumers may even find the lowest rates come from the smaller companies.

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, delays in paying claims or even policy cancellation. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

Some car insurance companies do not offer online quoting and these small insurance companies prefer to sell through independent insurance agencies. Budget-friendly car insurance in Aurora is possible on the web and from local insurance agents, so compare prices from both so you have a total pricing picture.

How to buy lower priced Dodge Caliber insurance in Aurora

The best way to find better pricing on Dodge Caliber insurance in Aurora is to do an annual price comparison from insurance carriers that sell auto insurance in Colorado. Price quotes can be compared by completing these steps.

1. It will benefit you to learn about the different coverages in a policy and the changes you can make to prevent rate increases. Many rating criteria that result in higher rates such as tickets, at-fault accidents, and poor credit can be remedied by being financially responsible and driving safely.
2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while independent agents can provide rate quotes for a wide range of companies.
3. Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
4. Provide written notification to your current company to cancel the current policy and submit payment along with a signed and completed policy application to the new company. Immediately upon receiving it, store the certificate verifying proof of insurance with the vehicle registration.

A crucial key to this process is to use similar deductibles and liability limits on each quote and and to get price quotes from as many car insurance companies as possible. This guarantees an accurate price comparison and a thorough price selection.

Additional information is located at these links:

• Your Car has been Stolen: Now What? (Allstate)
• Alcohol Impaired Driving FAQ (iihs.org)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• State Laws for Cellphones and Texting (iihs.org)