Cheap Rate Quotes for Dodge Caliber Insurance in Phoenix

Insurance quote for Dodge Caliber in PhoenixWould you like to buy the cheapest car insurance rates in Phoenix, AZ? Phoenix shoppers have many options when shopping for the best price on Dodge Caliber insurance. They can either waste time struggling with agents to compare prices or utilize the internet to compare rates.

There is a right way and a wrong way to shop for car insurance and we’ll show you the best way to quote coverages on a Dodge and obtain the best price possible.

The providers in the list below can provide free rate quotes in Phoenix, AZ. If the list has multiple companies, we suggest you click on several of them to get the most affordable price.

Dodge Caliber Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $158 $356 $390 $24 $116 $1,044 $87
Caliber Heat $256 $466 $392 $24 $118 $1,256 $105
Caliber SE $142 $308 $338 $20 $102 $910 $76
Caliber Mainstreet $220 $536 $362 $22 $108 $1,248 $104
Caliber Rush $230 $390 $392 $24 $118 $1,154 $96
Caliber SXT $142 $308 $338 $20 $102 $910 $76
Caliber Uptown $122 $282 $362 $22 $108 $896 $75
Caliber R/T $222 $566 $338 $20 $102 $1,248 $104
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific location which can impact premium rates greatly.

Age, gender, and Dodge Caliber insurance

The information below shows the comparison of Dodge Caliber premium costs for male and female drivers. The premiums assume no accidents, no driving violations, full coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

An analysis of deductible level

The information below shows how choosing a deductible and can change Dodge Caliber yearly insurance costs for different categories of driver ages. The data is based on a single male driver, full physical damage coverage, and no discounts are applied.

Score discounts on Phoenix car insurance

Some insurers don’t always advertise all discounts in an easy-to-find place, so the following is a list of a few of the more well known and also the more inconspicuous car insurance savings.Cheaper car insurance with discounts

As is typical with insurance, most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

Some of the insurance companies that may offer policyholders some of the discounts shown above include:

When getting free Phoenix auto insurance quotes, it’s a good idea to each company how you can save money. A few discounts might not apply everywhere. To see a list of providers with discount car insurance rates in Arizona, click here.

Get rate quotes but still have a neighborhood Phoenix auto insurance agent

Certain consumers still prefer to sit down and talk to an agent and that is a personal choice. Professional insurance agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing insurance prices online is that you can find cheap auto insurance rates but still work with a licensed agent. Putting coverage with local insurance agencies is especially important in Phoenix.

Insurance agents in PhoenixAfter completing this simple form, the quote information is submitted to companies in Phoenix that provide free Phoenix auto insurance quotes for your business. There is no reason to even leave your home since rate quotes are delivered straight to your inbox. If you want to compare prices from one company in particular, you just need to jump over to their website and fill out their quote form.

Pick the best auto insurance agent in Phoenix for you

When finding a local insurance agency, there are a couple of types of insurance agents to choose from. Insurance agencies in Phoenix are classified as either independent or exclusive depending on the company they work for. Both types can handle auto insurance, but it’s a good idea to understand the difference in how they write coverage since it could factor into your agent selection.

Independent Agencies or Brokers

These agents do not work for one specific company and that gives them the ability to insure with any number of different companies and help determine which has the cheapest rates. If prices rise, the agent simply finds a different carrier and you don’t have to find a new agent. When comparing auto insurance rates, you need to get quotes from at a minimum one independent agency so that you can do a thorough price comparison. They often place coverage with small mutual carriers that may provide cheaper auto insurance rates.

Listed below is a partial list of independent agents in Phoenix that can give you cheap rate quotes.

More Phoenix agents

Exclusive Insurance Agencies

Agents of this type generally can only insure with one company and some examples include Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so it’s a take it or leave it situation. These agents receive a lot of sales training on what they offer and that can be a competitive advantage. Consumers sometimes choose to use an exclusive agent mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Listed below is a list of exclusive agencies in Phoenix willing to provide rate quotes.

More Phoenix agents

Finding the right insurance agent requires more thought than just a low price. Here are some questions to ask:

How You Can Control Dodge Caliber Insurance Prices

When buying auto insurance it’s important to understand some of the factors that aid in calculating your auto insurance rates. When you understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to cheaper rates. Multiple criteria are considered when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but other factors are less apparent such as your credit history or how financially stable you are.

Best reasons to buy car insurance in Arizona

Even though it’s not necessarily cheap to insure a Dodge in Phoenix, maintaining insurance is required in Arizona but also provides important benefits.

The benefits of having car insurance are definitely more than the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $700 annually so we recommend shopping around once a year at a minimum to make sure the price is not too high.

Don’t give up on affordable rates

Cheaper car insurance in Phoenix can be bought from both online companies and also from your neighborhood Phoenix agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide the ability to get quotes online and many times these regional carriers only sell coverage through independent insurance agencies.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There have been many situations where an insured cut collision coverage only to regret that it was a big mistake. Your goal is to get the best coverage possible at the best cost.

We just presented many ideas to compare Dodge Caliber insurance premium rates in Phoenix. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the best premium rates are with an unexpected company.

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