Save Money on Dodge Caliber Insurance in Jersey City

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Unthinkable but true, a large majority of drivers in New Jersey renewed their policy with the same company for at least four years, and almost half have never shopped around. U.S. consumers could cut their rates by nearly 47% a year by just comparing quotes, but most tend to underestimate the actual amount they would save if they swap their current policy for a cheaper one.

Insurance for Dodge CaliberIf you want to save the most money, the best way to find affordable quotes for Dodge Caliber insurance in Jersey City is to compare prices once a year from providers in New Jersey.

  • Step 1: Spend some time learning about the different coverages in a policy and the things you can control to keep rates in check. Many risk factors that result in higher prices such as traffic violations, accidents, and a less-than-favorable credit history can be remedied by being financially responsible and driving safely. Later in this article we will cover more information to prevent high rates and get additional discounts.
  • Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while agents who are independent can quote prices from many different companies. View insurance agents
  • Step 3: Compare the new quotes to your current policy to determine if switching companies saves money. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
  • Step 4: Give notification to your agent or company of your decision to cancel your current coverage. Submit a down payment along with a signed application to your new company or agent. Be sure to put the new proof of insurance certificate with your vehicle's registration.

An important bit of advice to remember is to try to compare similar limits and deductibles on each quote request and and to get rate quotes from as many companies as feasibly possible. Doing this helps ensure a fair rate comparison and the best rate selection.

Finding the cheapest coverage in Jersey City can really be easy if you know what you're doing. If you have auto insurance now, you will surely be able to lower your rates using the ideas you're about to read. Nevertheless, New Jersey consumers must understand how companies market on the web and take advantage of how the system works.

Cut Insurance Costs with These Tips

Many things are part of the calculation when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are less apparent such as your credit history or your financial responsibility.

  • See if your company offers a multi-policy discount - Most major companies will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it's still a good idea to compare Dodge Caliber rates in Jersey City to confirm you are receiving the best rates possible.There is a chance you can find better rates by insuring with multiple companies.
  • Pleasure use or commuting - The higher the mileage driven in a year the higher the price you pay to insure it. A lot of insurance companies apply a rate based upon how the vehicle is primarily used. Cars left parked in the garage qualify for better rates than those used for commuting. It's a good idea to make sure your vehicle rating reflects the right rating data. A policy that improperly rates your Caliber may be costing you.
  • Consider raising comp and collision deductibles - Deductibles for physical damage state the amount of money you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, collision with a deer, and damage caused by road hazards. The more damage repair cost you choose to pay out-of-pocket, the less your auto insurance will be.
  • Employer stress can affect prices - Did you know your job can affect your rates? Occupations like fire fighters, airline pilots, and stock brokers are shown to have higher premium rates in part from stressful work requirements and long work hours. On the other hand, occupations such as professors, students and homemakers have the lowest average rates.
  • Obey driving laws and save - Whether or not you get tickets can have a huge impact on auto insurance premiums. Careful drivers pay lower auto insurance prices as compared to those with violations. Even a single speeding ticket or other violation can increase rates twenty percent or more. Drivers who have multiple citations such as DUI or willful reckless driving may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.

    The example below demonstrates how citations and accident claims drive up Dodge Caliber insurance prices for different age groups of insureds. Data assumes a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

  • Extra policy coverages that aren't used - Insurance policies have a lot of add-on coverages that can waste your money on your Caliber policy. Coverage for things like vanishing deductibles, towing, and extra equipment coverage may be wasting your money. They may sound like good ideas when you first buy your policy, but your needs may have changed so remove them and pocket the money.

Auto insurance statistics and figures

The coverage table below showcases different insurance prices for Dodge Caliber models. Learning a little about how insurance rates are determined is important for drivers to make informed decisions when comparing rates.

Dodge Caliber Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $350 $732 $490 $30 $146 $1,748 $146
Caliber Heat $350 $732 $490 $30 $146 $1,748 $146
Caliber SE $350 $732 $490 $30 $146 $1,748 $146
Caliber Mainstreet $350 $732 $490 $30 $146 $1,748 $146
Caliber Rush $350 $732 $490 $30 $146 $1,748 $146
Caliber SXT $350 $732 $490 $30 $146 $1,748 $146
Caliber Uptown $350 $732 $490 $30 $146 $1,748 $146
Caliber R/T $402 $862 $490 $30 $146 $1,930 $161
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can alter coverage prices noticeably.

Should you raise deductibles?

When comparing auto insurance rates, the most common question is which deductibles should you choose. The tables below summarize the premium difference when you select higher and lower policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.

Dodge Caliber insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $360 $746 $480 $28 $144 $1,783 $149
Caliber Heat $360 $746 $480 $28 $144 $1,783 $149
Caliber SE $360 $746 $480 $28 $144 $1,783 $149
Caliber Mainstreet $360 $746 $480 $28 $144 $1,783 $149
Caliber Rush $360 $746 $480 $28 $144 $1,783 $149
Caliber SXT $360 $746 $480 $28 $144 $1,783 $149
Caliber Uptown $360 $746 $480 $28 $144 $1,783 $149
Caliber R/T $414 $880 $480 $28 $144 $1,971 $164
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Dodge Caliber insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $264 $504 $480 $28 $144 $1,420 $118
Caliber Heat $264 $504 $480 $28 $144 $1,420 $118
Caliber SE $264 $504 $480 $28 $144 $1,420 $118
Caliber Mainstreet $264 $504 $480 $28 $144 $1,420 $118
Caliber Rush $264 $504 $480 $28 $144 $1,420 $118
Caliber SXT $264 $504 $480 $28 $144 $1,420 $118
Caliber Uptown $264 $504 $480 $28 $144 $1,420 $118
Caliber R/T $302 $594 $480 $28 $144 $1,548 $129
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in vehicle location which can raise or lower coverage rates substantially.

Based on the figures above, using a $100 deductible costs roughly $32 more each month or $384 for a full year across all Dodge Caliber models than requesting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 13 months between claims, you would probably be better off by going with a higher deductible.

Don't overlook these Dodge Caliber insurance discounts

Insurance can be pricey, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few must be specifically requested before they will apply.Cheaper insurance with discounts

  • Drive Less and Save - Driving less can qualify you for lower premium rates on the low mileage vehicles.
  • Pay Early and Save - If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
  • Claim-Free Discount - Good drivers with no accidents pay less in comparison with policyholders that have many claims.
  • Resident Student - College-age children who attend college more than 100 miles from Jersey City and do not take a car to college could qualify for this discount.
  • Government Employees - Active or retired federal employment can save as much as 8% depending on your company.
  • Discounts for Cautious Drivers - Insureds without accidents can pay as much as 50% less as compared to drivers with claims.
  • Telematics Data Discounts - Drivers that enable data collection to study where and when they drive through the use of a telematics system such as Progressive's Snapshot and State Farm's In-Drive might get better premium rates if their driving habits are good.
  • Discount for Life Insurance - Not all insurance companies offer life insurance, but some may give you lower rates if you buy auto and life insurance together.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

The example below illustrates the comparison of Dodge Caliber insurance prices with and without discounts applied to the rates. The rates are based on a male driver, no claims, a clean driving record, New Jersey 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 claim-free, safe-driver, homeowner, multi-car, marriage, and multi-policy discounts applied.

If you would like to see a list of companies that provide some of the discounts listed above in Jersey City, click here.

Compare. Compare. Compare.

Consumers switch companies for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, denial of a claim and policy non-renewal. No matter why you want to switch, choosing a new insurance company can be pretty painless.

In this article, we presented many tips how you can lower your Dodge Caliber insurance premium rates in Jersey City. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may even discover the most savings is with a small local company.

Affordable Dodge Caliber insurance in Jersey City can be found from both online companies and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some auto insurance companies don't offer price quotes online and most of the time these regional insurance providers sell through independent agents.

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