Car Insurance Rates for a Dodge Caliber in Minneapolis

Insurance rates Dodge Caliber in MinneapolisHow 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.Discount car insurance

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:

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.

Dodge Caliber Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $204 $484 $334 $20 $100 $1,142 $95
Caliber Heat $204 $484 $334 $20 $100 $1,142 $95
Caliber SE $204 $484 $334 $20 $100 $1,142 $95
Caliber Mainstreet $204 $484 $334 $20 $100 $1,142 $95
Caliber Rush $204 $484 $334 $20 $100 $1,142 $95
Caliber SXT $204 $484 $334 $20 $100 $1,142 $95
Caliber Uptown $204 $484 $334 $20 $100 $1,142 $95
Caliber R/T $234 $570 $334 $20 $100 $1,258 $105
Get Your Own Custom Quote Go

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.

Dodge Caliber insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $238 $492 $318 $18 $94 $1,185 $99
Caliber Heat $238 $492 $318 $18 $94 $1,185 $99
Caliber SE $238 $492 $318 $18 $94 $1,185 $99
Caliber Mainstreet $238 $492 $318 $18 $94 $1,185 $99
Caliber Rush $238 $492 $318 $18 $94 $1,185 $99
Caliber SXT $238 $492 $318 $18 $94 $1,185 $99
Caliber Uptown $238 $492 $318 $18 $94 $1,185 $99
Caliber R/T $272 $580 $318 $18 $94 $1,307 $109
Get Your Own Custom Quote Go

Dodge Caliber insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $132 $260 $318 $18 $94 $822 $69
Caliber Heat $132 $260 $318 $18 $94 $822 $69
Caliber SE $132 $260 $318 $18 $94 $822 $69
Caliber Mainstreet $132 $260 $318 $18 $94 $822 $69
Caliber Rush $132 $260 $318 $18 $94 $822 $69
Caliber SXT $132 $260 $318 $18 $94 $822 $69
Caliber Uptown $132 $260 $318 $18 $94 $822 $69
Caliber R/T $152 $306 $318 $18 $94 $888 $74
Get Your Own Custom Quote Go

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.

Insurance agency in MinneapolisAfter 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.

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

5208 Bloomington AveMinneapolis, MN 55417(612) 353-5410View Map

3017 W 56th StMinneapolis, MN 55410(612) 455-8844View Map

4649 Bloomington AveMinneapolis, MN 55407(612) 333-5554View Map

8525 Edinbrook Crossing #401Minneapolis, MN 55443(763) 657-7608View Map

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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.

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