Compare Dodge Caliber Insurance Quotes in Cleveland

Finding low-cost insurance for a new or used Dodge Caliber in Ohio can be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy car insurance and we’ll show you the quickest way to compare rates for a Dodge and locate the best price possible either online or from Cleveland insurance agents.

Buying affordable insurance in Cleveland can be easy if you know a few tricks. If you have insurance now or are looking for a new policy, you can follow these tips to find better prices and still get good coverage. Drivers only need to know the proper methods to shop for insurance from many different companies.

Finding more affordable Dodge Caliber auto insurance prices is not a difficult process. Drivers just need to spend a few minutes to compare rate quotes online with multiple companies.

The car insurance companies shown below are our best choices to provide price quotes in Ohio. If you want cheap auto insurance in Cleveland, OH, we suggest you visit several of them to get the best price comparison.

Statistics and details

The premium information below highlights different coverage costs for Dodge Caliber models. Understanding more about how insurance prices are formulated can be of help when making decisions on which insurance to purchase.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in your specific Cleveland location which can alter coverage prices significantly.

How high should deductibles be?

One of the hardest decisions when shopping for car insurance is at what level do you set your deductibles. The premium rates below can help you understand how much more you’ll pay between low and high physical damage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can change coverage rates greatly.

Based on this data, using a $250 deductible costs an average of $16 more each month or $192 a year averaged for all Caliber models than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 47 months between claim filings, you would most likely save money if you choose the higher deductible.

The information below shows how choosing a deductible and can affect Dodge Caliber annual premium costs for different age categories. The information is based on a single female driver, full coverage, and no policy discounts are applied.

Cleveland insurance discounts

Insurance is not an enjoyable expense, but you might already qualify for some discounts that you may not even know about. Most are applied at the time of quoting, but some need to be specially asked for before you will receive the discount. If you do not double check each discount you qualify for, you are paying more than you should be.

• Accident Forgiveness – This one is not really a discount per se, but companies like GEICO, State Farm, and Progressive may permit one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
• Seat Belts Save – Forcing all vehicle occupants to use their safety belts could save 15% on medical payment and PIP coverage.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.
• Theft Deterrent System – Cars equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
• Buy New and Save – Insuring a vehicle that is new can get you a discount because newer vehicles are generally safer.
• Resident Student – Kids who are enrolled in a college that is more than 100 miles from Cleveland and won’t have access to an insured vehicle can receive lower rates.
• Smart Student Discounts – Excelling in school can earn a discount of 20% or more. You can use this discount normally up to age 25.
• Paperless Signup – A handful of insurance companies may give you up to $50 for completing your application online.
• More Vehicles More Savings – Insuring more than one vehicle on one policy can get a discount on all vehicles.
• Multi-line Discount – Some insurance carriers give a discounted rate on car insurance if you buy life insurance.

Just know that most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

The diagram below illustrates the difference between Dodge Caliber yearly insurance costs with and without discounts. The prices are based on a male driver, no claims or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, marriage, and safe-driver discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are:

• AAA may have discounts that include good driver, AAA membership discount, pay-in-full, multi-car, anti-theft, education and occupation, and multi-policy.
• Progressive has savings for online signing, homeowner, online quote discount, multi-policy, multi-vehicle, continuous coverage, and good student.
• State Farm offers premium reductions for Steer Clear safe driver discount, multiple policy, passive restraint, Drive Safe & Save, and safe vehicle.
• Esurance may include discounts for multi-policy, anti-lock brakes, safety device, paid-in-full, and claim free.
• Nationwide offers discounts for defensive driving, accident-free, family plan, easy pay, and good student.

When getting a coverage quote, ask each insurance company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your area. If you would like to see a list of providers with discount rates in Cleveland, follow this link.

Three reasons insurance is important

Even though Cleveland Caliber insurance rates can get expensive, insuring your vehicle may not be optional for several reasons.

• Most states have mandatory insurance requirements which means the state requires a specific minimum amount of liability insurance in order to be legal. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your Dodge Caliber, most banks will force you to have physical damage coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Dodge at a more expensive rate and require you to reimburse them for it.
• Insurance protects your Dodge Caliber and your assets. It will also reimburse you for medical bills for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of your driving. If your Dodge gets damaged, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your Caliber more than offset the price you pay, especially for larger claims. According to a recent study, the average American driver is wasting up to $825 a year so compare quotes from several companies at least once a year to be sure current rates are still competitive.

What is the best car insurance company in Ohio?

Ending up with a high-quality car insurance provider can be rather challenging considering how many companies there are to choose from in Cleveland. The company rank data shown below can help you select which insurers to look at when shopping around.

Top 10 Cleveland 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

When should I have guidance from an insurance agent?

Some consumers still prefer to sit down and talk to an agent and that is a smart decision Good agents are trained to spot inefficiencies and help submit paperwork. An additional benefit of comparing rates online is the fact that you can find cheaper car insurance rates but still work with a licensed agent.

Once you complete this quick form, your coverage information is immediately sent to insurance agents in Cleveland who will give you bids for your business. It simplifies rate comparisons since you won’t have to drive around since rate quotes are delivered to you directly. If you want to get a price quote from a specific auto insurance provider, don’t hesitate to go to their quote page to submit a rate quote request.

Selecting a provider shouldn’t rely on just a low price. Agents should be asked these questions:

• Does the agent recommend any additional coverage?
• Do they reduce claim amounts on high mileage vehicles?
• Can you contact them at any time?
• Will you work with the agent or an assistant?
• Are there any discounts that you might be missing?

Pick the best auto insurance agent in Cleveland for you

If you would like to find a local agent, there are two types of agencies and how they work. Agents in Cleveland can be classified as either exclusive agents or independent agents. Both types of agents can write auto insurance policies, but it is a good idea to know the difference between them because it may have an impact on the kind of agent you use.

Exclusive Auto Insurance Agencies

Agents in the exclusive channel can only write with one company and examples are American Family, State Farm, and AAA. These agents are not able to provide other company’s prices so you might not find the best rates. Exclusive agents are very knowledgeable on what they offer and that allows them to sell at a higher price point. Consumers sometimes choose to use a exclusive agent mainly due to the brand name and the convenience of having all coverages with one company.

Shown below is a list of exclusive insurance agencies in Cleveland that can give you price quote information.

• Allstate Insurance: Nanci Cieckiewicz
  4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map
• Allstate Insurance: Michael Wrobel
  17016 Lorain Ave – Cleveland, OH 44111 – (216) 812-5413 – View Map
• Robin Gorman – State Farm Insurance Agent
  16812 Chagrin Blvd – Shaker Heights, OH 44120 – (216) 283-0080 – View Map

View more agents

Independent Auto Insurance Agents

Agents of this type are not employed by any specific company so they can quote policies through many different auto insurance companies depending on which coverage is best. If they find a cheaper price, they simply switch companies in-house which makes it simple for you.

If you are comparing rate quotes, we highly recommend that you get rate quotes from at least one independent agent to get the best comparison. Most have the option of insuring with smaller regional carriers which can save you money.

Shown below are independent agencies in Cleveland willing to provide price quotes.

• Phil Pavarini Insurance Agent * InsureCLE.com
  2012 W 25th St #501 – Cleveland, OH 44113 – (216) 374-4500 – View Map
• LEUSCH Insurance Services Agency, Inc. / INSURANCE CONCEPTS
  16903 Fischer Rd – Lakewood, OH 44107 – (216) 228-3333 – View Map
• AandA Action Auto Insurance Agency
  3421 Prospect Ave E – Cleveland, OH 44115 – (216) 361-8988 – View Map

View more agents