Best Quotes for Dodge Caliber Insurance in Boston

It’s a known fact that insurance companies want to keep you from comparing prices. People who rate shop once a year are very likely to switch to a new company because they have good chances of finding lower rate quotes. Surprisingly, a recent survey revealed that consumers who compared rates annually saved over $860 a year compared to those who never shopped for cheaper rates.

If saving money on Dodge Caliber insurance in Boston is why you’re reading this, understanding how to choose a company and compare insurance can make shopping around easier.

It takes a few minutes, but the best way to find lower priced Dodge Caliber insurance in Boston is to compare prices regularly from insurance carriers in Massachusetts.

• Step 1: Try to learn about how your policy works and the measures you can control to drop your rates. Many rating factors that cause high rates such as multiple speeding tickets and a lousy credit rating can be eliminated by paying attention to minor details. Later in this article we will cover additional tips to help prevent costly coverage and get additional discounts that may be available.
• Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while agents who are independent can quote rates from multiple companies.
• Step 3: Compare the quotes to your existing rates and see if you can save money. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.

One thing to remember is to make sure you’re comparing the same amount of coverage on each quote and and to get rate quotes from every company you can. Doing this helps ensure an accurate price comparison and the best price selection.

The quickest method we recommend to compare rate quotes for Dodge Caliber insurance in Boston takes advantage of the fact car insurance companies participate in a system to give rate comparisons. All you need to do is provide the companies a bit of rating information such as if you require a SR-22, level of coverage desired, marital status, and your education level. The rating information is then submitted to many of the top insurers and you get price estimates almost instantly.

If you would like to compare rates now, click here and complete the form.

The companies shown below provide price comparisons in Massachusetts. If you want cheaper car insurance in Boston, we suggest you compare several of them to get the best price comparison.

Auto insurance data for a Dodge Caliber

The data table shown next highlights detailed analysis of insurance premium costs for Dodge Caliber models. Being more informed about how car insurance prices are determined can help you make decisions on the best policy coverages.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific garaging location which can revise prices considerably.

Higher deductibles lower rates

One of the most common auto insurance questions is what deductibles to buy. The rates shown below illustrate the rate fluctuation when you choose different policy deductibles. The first set of rates uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific zip code location which can influence insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $32 more each month or $384 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 28 months between claim filings, you would save more money going with the higher deductible.

Accidents and violations increase rates

The chart below illustrates how violations and fender-benders can influence Dodge Caliber insurance prices for each age group. The data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

Rate difference between full and liability-only coverage

The diagram below illustrates the comparison of Dodge Caliber insurance rates with full coverage and liability only. The rates are based on no claims or driving violations, $250 deductibles, drivers are single, and no discounts are applied.

Guidelines for eliminating full coverage

There is no exact rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s assume your Dodge Caliber claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 a year to have full coverage, then you may need to consider dropping full coverage.

There are some conditions where only buying liability is not advised. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Cheap Dodge Caliber insurance in Boston

Insurance is neither fun to buy or cheap, but there may be some discounts that could help you make your next renewal payment. Many discounts should be triggered when you quote, but occasionally some discounts must be asked about before they will apply.

• Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
• Driver Education Discount – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
• Data Collection Discounts – Drivers that enable driving data collection to look at vehicle usage by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they are good drivers.
• Theft Deterrent – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Paperless Signup – Some of the larger companies will give you a small discount for buying a policy and signing up on your computer.

Consumers should know that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.

The chart below visualizes the comparison of Dodge Caliber insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no violations or claims, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, multi-policy, claim-free, and marriage discounts applied.

The best insurance companies and the discounts they provide are outlined below.

• The Hartford discounts include anti-theft, bundle, vehicle fuel type, good student, air bag, and driver training.
• American Family may offer discounts for TimeAway discount, accident-free, bundled insurance, good student, Steer into Savings, early bird, and multi-vehicle.
• Progressive may have discounts that include multi-vehicle, homeowner, continuous coverage, good student, multi-policy, online quote discount, and online signing.
• Travelers has discounts for driver training, new car, multi-policy, save driver, continuous insurance, and hybrid/electric vehicle.
• Farmers Insurance may include discounts for electronic funds transfer, good student, multi-car, alternative fuel, and bundle discounts.
• USAA offers discounts including multi-vehicle, loyalty savings, safe driver, annual mileage, and driver training.
• Liberty Mutual offers discounts for multi-car, newly married, good student, hybrid vehicle, new vehicle discount, newly retired, and new graduate.

If you need lower rates, check with all companies you are considering the best way to save money. Some discounts listed above may not be available in Boston.

Here’s why insurance is not optional

Even though it can be expensive, maintaining insurance is not optional due to several reasons.

First, just about all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to get the vehicle licensed. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your car, almost all lenders will require that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Dodge at a much higher rate and require you to reimburse them much more than you were paying before.

Third, insurance protects both your assets and your vehicle. It will also cover most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying insurance are definitely more than the cost, especially when you need to use it. But the average driver in Massachusetts is overpaying over $830 a year so we recommend shopping around every year to help ensure money is not being wasted.

Insurance agent or online?

Many people just want to have an agent’s advice and that is a smart decision A nice benefit of comparing rates online is the fact that you can find the lowest rates but still work with a licensed agent.

After completing this quick form, your coverage information is submitted to agents in your area that provide free Boston car insurance quotes for your insurance coverage. You never need to find an agent because prices are sent instantly to you. You can find lower rates without having to waste a lot of time. If you have a need to get a rate quote from a specific auto insurance provider, just find their quoting web page and complete a quote there.

Deciding on a company is decision based upon more than just a cheap quote. Agents should be asked these questions:

• Does the agent have a valid license to sell insurance in Massachusetts?
• Do you need full coverage on every vehicle?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do they have cheaper tiers of coverage?
• Can you use your own choice of collision repair facility?
• Do they have 24-hour customer assistance?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Are they in the agency full-time?

Best car insurance agent in Boston

If you prefer to buy auto insurance from a reliable agent, it can be helpful to understand the types of agencies from which to choose. Agents are either independent agents or exclusive agents.

Exclusive Agencies

Exclusive insurance agents normally can only provide a single company’s rates and some examples include State Farm, AAA, and Liberty Mutual. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. These agents are usually well trained on the products they sell which can be an advantage. Some people will only buy insurance from these agents mostly because of the prominent brand name rather than having low rates.

The following is a list of exclusive agencies in Boston that can give you price quote information.

• AAA Boston
  125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
• Allstate Insurance: Abner Joseph
  571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map

View more agents

Independent Auto Insurance Agents

Agents that elect to be independent are not employed by one company and that gives them the ability to insure through many different auto insurance companies and find the cheapest rate. If they quote lower rates, an independent agent can move your coverage and the insured can keep the same agent.

When comparing auto insurance rates, you absolutely need to get several quotes from multiple independent agents so that you can do a thorough price comparison. Many write coverage with mutual insurance companies which may have better rates.

Shown below is a list of independent agents in Boston that can give you price quotes.

• Baltic Insurance Agency
  597 E Broadway – South Boston, MA 02127 – (617) 268-6030 – View Map
• American Agency Systems Insurance
  156 Porter St – Boston, MA 02128 – (617) 418-5089 – View Map
• Marsh and McLennan Agency
  500 Boylston St #300 – Boston, MA 02116 – (617) 587-2300 – View Map

View more agents

Once you have received positive feedback for all questions you ask in addition to an acceptable price estimate, you may have just found an auto insurance agent that can properly insure your vehicles.