Cheap Insurance for a Dodge Caliber in Orlando

A study showed that a large majority of drivers kept their coverage with the same insurance company for at least the last four years, and almost 40% of drivers have never even compared quotes to find affordable rates. Drivers in Florida could save themselves $1,130 a year, but most tend to underestimate the actual amount they would save if they just switched companies.

Truthfully, the best way to get cheaper Dodge Caliber insurance in Orlando is to begin comparing prices regularly from providers in Florida. Drivers can shop around by following these guidelines.

Step 1: It will benefit you to learn about how auto insurance works and the modifications you can make to drop your rates. Many rating factors that result in higher rates like your driving record and a not-so-good credit rating can be eliminated by making minor changes to your lifestyle. Continue reading for more ideas to get cheaper coverage and get additional discounts that may be available.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can provide prices for many different companies. Find an Orlando insurance agent

Step 3: Compare the quotes to the price on your current policy to see if cheaper Caliber coverage is available in Orlando. If you can save some money and buy the policy, ensure coverage does not lapse between policies.

Step 4: Tell your current agent or company of your intent to cancel your current coverage. Submit a down payment along with a signed application for your new coverage. Immediately upon receiving it, store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to use identical limits and deductibles on every quote and and to get rates from as many carriers as you can. Doing this helps ensure a fair rate comparison and plenty of rates choose from.

Just keep in mind that obtaining a wide range of quotes helps locate better pricing.

The following companies can provide comparison quotes in Orlando, FL. If you want the best car insurance in Orlando, FL, it’s highly recommended you click on several of them to find the lowest auto insurance rates.

Premium rates and analysis

The table displayed below showcases a range of coverage prices for Dodge Caliber models. Having a good understanding how insurance premiums are calculated can help customers make smart buying decisions.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle location which can alter price quotes greatly.

Choosing deductibles

When comparing insurance rates, the most common question is which deductibles should you choose. The tables below can help you visualize the rate fluctuation when you choose different deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific Orlando garaging location which can affect auto insurance rates greatly.

Based on this data, using a $100 deductible costs about $27 more each month or $324 annually across all Dodge Caliber models than requesting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 15 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Drive responsibly or pay higher rates

The chart below demonstrates how citations and at-fault fender-benders can raise Dodge Caliber car insurance rates for different ages of insureds. The premiums are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.

Comparison of full coverage and liability-only policies

The chart below illustrates the difference between Dodge Caliber auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no exact formula that works best for making the decision to drop full coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Dodge Caliber replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $5,000 after the deductible is paid. If premiums are more than $500 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few situations where buying only liability insurance is not a good idea. If you still owe money on your vehicle, you have to maintain 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 event your current vehicle is totaled, you should keep full coverage on your policy.

Auto insurance is not optional in Florida

Despite the high cost of buying insurance for a Dodge Caliber in Orlando, maintaining insurance serves several important purposes.

• Just about all states have minimum liability requirements which means state laws require a specific level of liability insurance coverage in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Dodge has a loan, most banks will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank will be required to insure your Dodge for a much higher rate and force you to pay a much higher amount than you were paying before.
• Auto insurance preserves both your assets and your vehicle. It will also provide coverage for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of having insurance more than offset the price you pay, especially with large liability claims. An average driver in America overpays more than $820 a year so compare quotes from several companies once a year at a minimum to be sure current rates are still competitive.

Save money with these nine discounts on Dodge Caliber insurance in Orlando

Not too many consumers would say insurance is affordable, but there are discounts available that may help make it more affordable. Many discounts should be triggered when you complete an application, but a few must be asked about prior to getting the savings.

• Fewer Miles Equal More Savings – Fewer annual miles on your Dodge can qualify you for slightly better rates than normal.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.
• Federal Employees – Active or retired federal employment could provide a small rate reduction with select insurance companies.
• Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks on one policy can get a discount on all vehicles.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
• Discount for Good Grades – Maintaining excellent grades may save you up to 25%. The discount lasts up until you turn 25.
• Lower Rates for Military – Having an actively deployed family member could qualify you for better rates.
• Telematics Data Discounts – Insureds who allow data collection to study driving patterns remotely like Drivewise from Allstate or In-Drive from State Farm may see discounts if they show good driving skills.
• Early Renewal Discounts – A few larger companies offer discounts for buying a new policy before your current coverage expires. It’s a savings of about 10%.

Keep in mind that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

The chart below shows the difference between Dodge Caliber insurance premiums with and without discounts. The information is based on a male driver, no violations or claims, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, marriage, and homeowner discounts applied.

A list of insurance companies and their offered discounts are included below.

• State Farm discounts include Steer Clear safe driver discount, multiple autos, good student, multiple policy, safe vehicle, and driver’s education.
• American Family offers discounts including good student, accident-free, early bird, mySafetyValet, multi-vehicle, and Steer into Savings.
• AAA has discounts for anti-theft, multi-car, good student, education and occupation, AAA membership discount, and multi-policy.
• GEICO offers discounts for five-year accident-free, federal employee, air bags, driver training, and daytime running lights.
• Mercury Insurance may include discounts for low natural disaster claims, type of vehicle, accident-free, age of vehicle, location of vehicle, professional/association, and anti-theft.
• Farmers Insurance offers premium reductions for bundle discounts, multi-car, distant student, alternative fuel, and pay in full.
• Progressive has savings for continuous coverage, online signing, good student, online quote discount, and multi-vehicle.

It’s a good idea to ask every insurance company which discounts you may be entitled to. All car insurance discounts may not be offered in every state. To choose companies that have a full spectrum of discounts in Orlando, follow this link.

Local agents and car insurance

A lot of people still like to talk to a local agent and that is a smart decision One of the great benefits of comparing rates online is you can get better rates and still buy from a local agent.

By using this short form, your insurance coverage information is immediately sent to local insurance agents in Orlando who will return price quotes for your coverage. It makes it easy because there is no need to do any legwork as quotes are delivered to you. You can get cheaper car insurance rates without a big time investment. If you want to get a price quote from a specific company, you would need to visit that company’s website and fill out their quote form.

Deciding on a insurer requires more thought than just the premium amount. Any agent in Orlando should have no problem answering these questions:

• Are they able to provide referrals?
• How much experience to they have in personal lines coverages?
• Will the agent help in case of a claim?
• Is auto insurance their primary focus in Orlando?
• What insurance companies do they recommend if they are an independent agent?
• Will a damage claim use OEM or aftermarket replacement parts?

If you are wanting to find a local insurance agency, it helps to know the two types of agencies that you can choose from. Orlando agents are categorized either independent agents or exclusive agents.

Exclusive Agencies

Exclusive agencies can only write with one company like Farmers Insurance, State Farm, or Allstate. These agents are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. Drivers often choose to use a exclusive agent primarily because of loyalty to the company rather than having low rates.

Below is a list of exclusive agents in Orlando who can help you get price quotes.

• Lorenzo Hayward – State Farm Insurance Agent
  5218 W Colonial Dr – Orlando, FL 32808 – (407) 299-4642 – View Map
• Allstate Insurance: Domingo Bravo
  9330 Narcoossee Rd – Orlando, FL 32827 – (407) 281-6300 – View Map
• Bill Bryan – State Farm Insurance Agent
  5470 Central Florida Pkwy – Orlando, FL 32821 – (407) 239-4777 – View Map

View more Orlando agents

Independent Car Insurance Agencies

Agents that elect to be independent are not employed by one company and that allows them to write policies through lots of different companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies and that require little work on your part.

When comparing rate quotes, we recommend you contact a few independent agents for maximum quote selection. They also have the ability to place coverage with companies you’ve never heard of which may provide better rates.

The following is a list of independent insurance agencies in Orlando willing to provide comparison quotes.

• HealthMarkets Insurance Agency
  5728 Major Blvd #705 – Orlando, FL 32819 – (407) 440-8665 – View Map
• Risk Transfer Insurance Agency
  219 E Livingston St – Orlando, FL 32801 – (407) 481-9363 – View Map
• Brown and Brown Insurance Agency, Inc.
  7009 Dr Phillips Blvd # 280 – Orlando, FL 32819 – (407) 843-7500 – View Map

View more Orlando agents

Upon receiving good responses to any questions you have and locked in a price quote, you have narrowed it down to a car insurance agent that can be trusted to adequately provide car insurance. But remember, policyholders can terminate coverage whenever you want so never feel that you are permanently stuck with the car insurance policy for any length of time.

Best auto insurance in Florida

Insuring your vehicle with the highest-rated insurer can be challenging considering how many choices drivers have in Orlando. The rank data displayed below could help you choose which companies you want to consider buying from.

Top 10 Orlando Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Auto insurance coverage specifics

Knowing the specifics of auto insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

Collision insurance will pay to fix damage to your Caliber from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your Caliber to save money on collision insurance.

Coverage for liability

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 10/20/10 which stand for a limit of $10,000 per injured person, a per accident bodily injury limit of $20,000, and a limit of $10,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects, medical services, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. Florida requires drivers to carry at least 10/20/10 but it’s recommended drivers buy more liability than the minimum.

The illustration below demonstrates why the minimum limit may not be enough.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, hitting a bird, a broken windshield, theft and damage from getting keyed. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills like dental work, prosthetic devices, funeral costs and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many Florida drivers carry very low liability coverage limits (10/20/10 in Florida), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Find affordable rates by being thorough

When searching for the cheapest Dodge Caliber rate quotes, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

We just presented a lot of tips how to reduce Dodge Caliber insurance prices online in Orlando. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers may even find the most savings is with a small mutual company.

People switch companies for many reasons like questionable increases in premium, being labeled a high risk driver, high prices or policy non-renewal. It doesn’t matter what your reason, switching companies is actually quite simple.

More tips and info about auto insurance is available by following these links:

• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• How Much are Auto Insurance Rates for a Toyota Tundra in Orlando? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Dodge Grand Caravan in Orlando? (FAQ)
• What is the Best Auto Insurance in Orlando, FL? (FAQ)
• How do I File a Claim? (Insurance Information Institute)
• Auto Insurance FAQ (Farmers Insurance)
• Uninsured Motorist Statistics (Insurance Information Institute)