If saving money is your primary concern, then the best way to quote cheaper car insurance rates is to start doing a yearly price comparison from insurance carriers who can sell car insurance in Arlington. Drivers can shop around by completing these steps.
First, spend a few minutes and learn about what coverages are included in your policy and the things you can change to keep rates in check. Many risk factors that are responsible for high rates like distracted driving and a negative credit history can be eliminated by making small lifestyle or driving habit changes.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from multiple sources. Compare rates
Third, compare the price quotes to your existing rates and determine if cheaper Caliber coverage is available. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide adequate notice to your current company to cancel your existing policy and submit payment and a completed application to your new company or agent. Immediately place your new certificate verifying proof of insurance in an easily accessible location.
One key aspect of rate comparisons is to make sure you enter identical deductibles and limits on each quote request and and to get price estimates from as many car insurance companies as possible. Doing this guarantees a fair rate comparison and a complete selection of prices.
A recent NerdWallet.com study revealed that most drivers in Texas renewed their policy with the same company for more than four years, and roughly 40% of drivers have never compared rates from other carriers. The average driver in the United States could cut their rates by up to $859 a year just by shopping around, but they underestimate the amount of money they would save if they switched to a more affordable policy.
The fastest way that we advise to get policy rate comparisons for Dodge Caliber insurance in Arlington takes advantage of the fact most larger insurance companies participate in a system to give you rate quotes. The only thing you need to do is give them rating details such as if you have a valid license, distance driven, how much coverage you want, and which vehicles you own. That rating data is then submitted to insurance companies and you receive quotes instantly to find the best rate.
To start a quote now, click here and complete the form.
The auto insurance companies shown below have been selected to offer price quotes in Texas. If you want the best cheap car insurance in Texas, we suggest you visit as many as you can to get a more complete price comparison.
Rates and data analysis
The data table below covers detailed analysis of coverage costs for Dodge Caliber models. Having insight into how car insurance premiums are formulated can be valuable when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $180 | $312 | $500 | $30 | $150 | $1,172 | $98 |
| Caliber Heat | $180 | $312 | $500 | $30 | $150 | $1,172 | $98 |
| Caliber SE | $180 | $312 | $500 | $30 | $150 | $1,172 | $98 |
| Caliber Mainstreet | $180 | $312 | $500 | $30 | $150 | $1,172 | $98 |
| Caliber Rush | $180 | $312 | $500 | $30 | $150 | $1,172 | $98 |
| Caliber SXT | $180 | $312 | $500 | $30 | $150 | $1,172 | $98 |
| Caliber Uptown | $180 | $312 | $500 | $30 | $150 | $1,172 | $98 |
| Caliber R/T | $208 | $368 | $500 | $30 | $150 | $1,256 | $105 |
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific location information which can alter rates considerably.
Policy deductibles
One common question asked by Arlington drivers is how high should the physical damage coverage deductibles be. The rates below show the premium difference when you buy lower versus higher deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Caliber Heat | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Caliber SE | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Caliber Mainstreet | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Caliber Rush | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Caliber SXT | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Caliber Uptown | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Caliber R/T | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber Heat | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber SE | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber Mainstreet | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber Rush | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber SXT | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber Uptown | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber R/T | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in your specific Arlington location which can revise rates noticeably.
Using the premium rates above, we can conclude that using a $250 deductible will cost you about $14 more each month or $168 for a full year than buying the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 18 months between claim filings, you would most likely save money by selecting a higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $109 |
| Average monthly premium for $500 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important thing to remember is that higher deductibles means you will have to pay more of your own money when you do file a claim. You must have some savings in the event you need to pay more for the deductible.
The example below demonstrates how deductibles and can influence Dodge Caliber yearly insurance costs for each different age category. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Impact of age and gender on car insurance rates
The diagram below illustrates the difference between Dodge Caliber insurance costs for male and female drivers. The premium estimates are based on no claims or driving citations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.
Car insurance is an important decision
Despite the high cost of buying insurance for a Dodge Caliber in Arlington, insurance is a good idea for several reasons.
- Almost all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability insurance coverage in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a loan, it’s most likely the lender will stipulate that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Dodge at a significantly higher premium and force you to reimburse them for it.
- Car insurance protects both your assets and your Dodge. It will also cover medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your Dodge gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance outweigh the cost, especially if you ever need it. The average driver in Texas is overpaying over $830 a year so shop around each time the policy renews to make sure the price is not too high.
Save Money with These Tips
An important part of buying insurance is that you know the rating factors that aid in calculating your premiums. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that can earn you lower premium levels.
Shown below are just a few of the factors used by your company to calculate premiums.
- Reserve claims for larger damages – Insurance companies in Texas award the lowest premiums to drivers who are claim-free. If you file claims often, you can expect increased rates or even have your policy non-renewed. Your car insurance is intended for claims that you cannot pay yourself.
- Theft deterrents lower prices – Purchasing a vehicle with an alarm system can save you some money. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.
- Having a spouse is a bonus – Being married can actually save you money on your policy. Having a significant other generally demonstrates drivers are less irresponsible and statistics show married drivers tend to have fewer serious accidents.
- Drive fewer miles and save – Driving a lot of miles in a year the higher your rates will be. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Double check that your declarations sheet reflects the right rating data, because it can save money. An incorrectly rated Caliber can cost quite a bit.
Best car insurance in Texas
Choosing a highly-rated insurance company can be challenging considering how many companies provide coverage in Arlington. The company information displayed below can help you pick which providers to look at when shopping around.
Top 10 Arlington Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Arlington Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
What is YOUR best insurance company?
Affordable Dodge Caliber insurance in Arlington is available online and with local Arlington insurance agents, so you need to quote Arlington auto insurance with both to have the best selection. Some companies do not offer online quoting and usually these regional carriers only sell through local independent agents.
When searching for inexpensive Arlington auto insurance quotes, do not reduce needed coverages to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.
In this article, we presented a lot of information how to shop for Dodge Caliber insurance online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest car insurance rates come from a smaller regional carrier. They may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.
More information
- Eight Auto Insurance Myths (Insurance Information Institute)
- What Insurance is Cheapest for Low Mileage Drivers in Arlington? (FAQ)
- Who Has Cheap Auto Insurance for Young Drivers in Arlington? (FAQ)
- Who Has the Cheapest Auto Insurance for Infrequent Drivers in Arlington? (FAQ)
- How Much are Arlington Auto Insurance Quotes for a School Permit? (FAQ)
- Who Has Affordable Arlington Auto Insurance Rates for a Toyota Camry? (FAQ)
- Collision Coverage (Liberty Mutual)
- Speed and Speed Limit FAQ (iihs.org)