Cheapest Dodge Caliber Insurance in Baltimore

Truthfully, the best way to get budget Dodge Caliber insurance is to regularly compare prices from insurance carriers in Baltimore.

Step 1: Take a little time to learn about how insurance works and the things you can control to prevent high rates. Many rating criteria that cause high rates such as traffic tickets, fender benders, and a low credit rating can be controlled by making lifestyle changes or driving safer.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Farmers Insurance, while independent agents can quote prices for many different companies.

Step 3: Compare the new quotes to your existing rates to see if cheaper Caliber coverage is available in Baltimore. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide proper notification to your current company of your intention to cancel your current car insurance policy and submit payment and a completed application for your new coverage. As soon as coverage is bound, put the new certificate of insurance in a readily accessible location in your vehicle.

One piece of advice is to use the same level of coverage on each quote request and to quote with all possible companies. This guarantees an apples-to-apples comparison and the best price quote selection.

Insurance for Dodge CaliberIt’s a fact that auto insurance companies don’t want their customers to go rate shopping. People who get price comparisons are highly likely to switch companies because they have a good chance of finding a lower-priced company. A study showed that consumers who made a habit of comparing rates saved approximately $3,400 over four years as compared to drivers who never compared rates.

If finding the lowest price for Dodge Caliber insurance in Baltimore is your target objective, then understanding how to find companies and compare insurance coverage can save money and time.

The quickest way to compare car insurance company rates for Dodge Caliber insurance in Baltimore is to realize most of the bigger providers participate in a system to provide you with free rate quotes. The one thing you need to do is give them rating details like if your license is active, how much school you completed, how much you drive, and which vehicles you own. Your information is instantly provided to multiple different insurance companies and you receive quotes instantly to find the best rate.

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

The companies in the list below offer free quotes in Maryland. In order to find cheap auto insurance in MD, it’s highly recommended you visit several of them to find the lowest auto insurance rates.

Insurance coverage analysis

The information shown below highlights estimates of insurance coverage prices for Dodge Caliber models. Being more informed about how car insurance premiums are established can aid in making smart choices when buying a car insurance policy.

Dodge Caliber Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $266 $518 $414 $24 $124 $1,346 $112
Caliber Heat $266 $518 $414 $24 $124 $1,346 $112
Caliber SE $266 $518 $414 $24 $124 $1,346 $112
Caliber Mainstreet $266 $518 $414 $24 $124 $1,346 $112
Caliber Rush $266 $518 $414 $24 $124 $1,346 $112
Caliber SXT $266 $518 $414 $24 $124 $1,346 $112
Caliber Uptown $266 $518 $414 $24 $124 $1,346 $112
Caliber R/T $304 $610 $414 $24 $124 $1,476 $123
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle garaging location which can impact price quotes significantly.

You may qualify for discounts for Dodge Caliber insurance in Baltimore

Companies that sell car insurance do not list all possible discounts very clearly, so here is a list a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.Cheaper car insurance with discounts

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

The chart below shows the comparison of Dodge Caliber auto insurance costs with and without discounts applied to the premium. The prices are based on a female driver, no claims or violations, Maryland state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.

A few of the larger companies and some of the premium reductions they offer can be found below.

If you want affordable Baltimore auto insurance quotes, ask every insurance company which discounts you may be entitled to. Savings may not be offered in Baltimore. To choose insurance companies that offer discounts in Baltimore, click here to view.

Why insurance is not optional

Even though it’s not necessarily cheap to insure a Dodge in Baltimore, insurance serves a purpose in several ways.

The benefits of having insurance greatly outweigh the cost, especially with large liability claims. But the average American driver is overpaying more than $865 each year so we recommend shopping around at least once a year to ensure rates are competitive.

Independent versus exclusive auto insurance agents

Some consumers still like to talk to a local agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is that drivers can save money and get better rates and still choose a local agent.

Insurance agents in BaltimoreUpon completion of this form (opens in new window), your insurance data gets sent to agents in your area who will give you bids for your insurance coverage. There is no reason to search for an agent due to the fact that quote results will go instantly to you. You can get cheaper insurance rates and work with a local agent. If you wish to quote rates from a particular provider, you just need to go to their quote page and complete a quote there.

Picking the best insurance company requires more thought than just a cheap quote. Some important questions to ask are:

Best auto insurance agent in Baltimore

If you are wanting to find a reliable agent, you should know the different types of agencies that you can choose from. Agents are categorized either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Agents that elect to be exclusive can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. They generally cannot provide prices from multiple companies so always compare other rates. These agents are trained well in insurance sales which helps them compete with independent agents. Consumers sometimes buy from the same agent for years mostly because of the prominence of the brand and solid financial strength.

Shown below is a short list of exclusive insurance agencies in Baltimore willing to provide comparison quotes.

View more Baltimore agents

Independent Agencies or Brokers

These agents are not employed by one company so as a result can place your coverage through many different insurance companies and find you the best rates. If they quote lower rates, the agent simply finds a different carrier and you don’t have to do anything.

If you are comparing insurance prices, it’s a good idea to include several independent insurance agents to have the best price comparison. Most independent agents also contract with mutual insurance companies which may have better rates.

Below are independent agents in Baltimore who can help you get price quote information.

View more Baltimore agents