Car Insurance Rates for a Dodge Caliber in Minneapolis

How many times have you told yourself to find lower-priced Dodge Caliber insurance in Minneapolis? Are you at wits end from paying out the nose to pay high insurance rates every month? You are in the same boat as many other Minnesota drivers.

A study showed that almost 70% of drivers in Minnesota have bought insurance from the same company for at least four years, and roughly 40% of drivers have never shopped around. Consumers in America can save up to 46.5% each year just by comparing rates, but they won’t spend time to shop around.

Insurance companies such as Progressive, State Farm and GEICO constantly bombard you with ad campaigns and it is difficult to avoid their marketing magic and take the time to shop coverage around.

If you have car insurance now, you will be able to buy cheaper car insurance using the techniques presented in this article. Choosing the best rates in Minneapolis is really not that difficult. But Minnesota car owners do need to understand how big insurance companies determine premium rates because rates are impacted by many factors.

Dodge Caliber insurance discounts in Minneapolis

Car insurance is neither fun to buy or cheap, but you may find discounts that many consumers don’t even know exist. Some trigger automatically when you get a quote, but some may not be applied and must be asked for prior to getting the savings.

• Student in College – Kids who are enrolled in a college that is more than 100 miles from Minneapolis and do not have access to a covered vehicle can be insured at a reduced rate.
• Discounts for Multiple Vehicles – Insuring multiple vehicles with the same company can get a discount on all vehicles.
• Clubs and Organizations – Affiliation with qualifying clubs or civic groups could qualify you for a break on your bill.
• Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
• Include Life Insurance and Save – Select companies reward you with lower prices if you buy a life insurance policy as well.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions so companies give up to a 10% discount.
• Bundled Policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
• Senior Citizen Discount – If you’re over the age of 55, you could receive lower premium rates.
• Drive Less and Save – Low annual miles could earn lower car insurance rates on the low mileage vehicles.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

The example below illustrates the difference between Dodge Caliber insurance premiums with and without discounts. The rates are based on a male driver, a clean driving record, no at-fault accidents, Minnesota state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, homeowner, and claim-free discounts applied.

Some of the larger companies that may have many of the previously listed discounts include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Double check with each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not apply in your area. To choose companies who offer online Dodge Caliber insurance quotes in Minneapolis, follow this link.

The easiest way to compare rate quotes for Dodge Caliber insurance in Minneapolis is to know the fact all the major auto insurance companies allow for online access to provide you with a free rate quote. The one thing you need to do is give them some information including deductibles desired, if you have an active license, your job, and how much you drive. Your information gets transmitted to multiple auto insurance providers and they provide comparison quotes quickly.

To find lower affordable Dodge Caliber insurance rates now, click here and find out if lower rates are available in Minneapolis.

The companies in the list below offer free rate quotes in Minnesota. To buy the best auto insurance in MN, we suggest you visit several of them to get a more complete price comparison.

Rates and information analytics

The premium table displayed below showcases detailed analysis of coverage costs for Dodge Caliber models. Having a better idea how insurance policy rates are calculated is important for drivers to make smart buying decisions.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price estimates do not factor in specific zip code location which can revise premiums significantly.

Deductible comparison

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The data tables below summarize the premium difference when you choose different policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in Minneapolis location which can affect coverage prices noticeably.

Using the data above, we can ascertain that using a $100 deductible costs an average of $30 more each month or $360 annually averaged for all Caliber models than buying the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 30 months between claims, you would save more money by selecting a higher deductible.

Do I need an agent?

A lot of people would prefer to buy from a licensed agent and we recommend doing that One of the best bonuses of comparing rates online is that you can find the lowest rates and still buy from a local agent.

After filling out this simple form, your coverage information is emailed to local insurance agents in Minneapolis that can give you free Minneapolis auto insurance quotes for your coverage. You don’t have to search for an agent since price quotes are sent to the email address you provide. You’ll get the best rates and a licensed agent to talk to. If for some reason you want to get a rate quote from one company in particular, you would need to visit that company’s website and submit a quote form there.

Finding the right company shouldn’t rely on just a low price. Any good agent in Minneapolis should know the answers to these questions.

• Are they giving you every discount you deserve?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• How many years have they been established?
• Do you need full coverage on every vehicle?
• Is every driver in your family covered?

The following are Minneapolis car insurance companies that are able to give comparison quotes for Dodge Caliber insurance in Minneapolis.

View more agents

If you feel you receive answers to your satisfaction to these questions in addition to an acceptable price estimate, you may have just found an insurance company that is reputable and can properly service your car insurance policy. It’s important to know that you can terminate your policy at any point so don’t think that you are obligated to a specific agent for the entire policy term.

Ratings for Minneapolis auto insurance companies

Buying coverage from the highest-rated car insurance company is difficult considering how many different companies insure vehicles in Minnesota. The company information in the lists below could help you pick which companies you want to consider putting your business with.

Top 10 Minneapolis Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Top 10 Minneapolis Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. AAA Insurance – 87%
7. Liberty Mutual – 87%
8. Farmers Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

The best insurance company isn’t always the cheapest

Throughout this article, we presented many ways to compare Dodge Caliber insurance premium rates in Minneapolis. The key thing to remember is the more you quote Minneapolis auto insurance, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies. These companies can often provide lower prices in certain areas than their larger competitors like Progressive and GEICO.

When getting Minneapolis auto insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Steps to buying affordable Dodge Caliber insurance in Minneapolis

The recommended way to get budget Dodge Caliber insurance is to begin comparing prices regularly from providers who can sell car insurance in Minneapolis.

• First, gain an understanding of what coverages are included in your policy and the things you can change to lower rates. Many policy risk factors that result in higher prices like traffic violations, accidents, and an imperfect credit rating can be improved by being financially responsible and driving safely.
• Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like Progressive and State Farm, while independent agencies can quote prices for a wide range of insurance providers.
• Third, compare the new quotes to your existing coverage and see if you can save money. If you can save money and buy the policy, make sure there is no lapse in coverage.
• Fourth, provide written notification to your current company of your intent to cancel your existing policy and submit the application along with any required down payment for the new policy. Once the application is submitted, place your new certificate verifying proof of insurance in your vehicle’s glove compartment or console.

The critical component of shopping around is to use the same amount of coverage on every quote and and to get rates from as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and plenty of rates choose from.

Additional information can be read at the links below

• Parking Tips to Reduce Door Dings (State Farm)
• Who Has Cheap Car Insurance with Multiple Speeding Tickets in Minneapolis? (FAQ)
• How Much are Auto Insurance Rates for Young Drivers in Minneapolis? (FAQ)
• What is a Telematics Device? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Liability Insurance Coverage (Nationwide)
• Event Data Recorders FAQ (iihs.org)