Save on Dodge Caliber Insurance in Houston

Want to know an easy way to compare more competitive Dodge Caliber insurance in Houston? Having to pay for expensive Dodge Caliber insurance in Houston can sap your family’s budget and put the squeeze on your family’s finances. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.

Unbelievably, nearly 70% of customers renewed their policy with the same company for four years or more, and almost 40% of drivers have never taken the time to shop around. U.S. drivers can save hundreds of dollars each year, but most just don’t grasp how much savings they would realize if they changed companies.

You have so many insurance companies to pick from, and even though it’s nice to have multiple companies, it makes it harder to adequately compare rates for Dodge Caliber insurance in Houston.

Locating the best rates in Houston is really quite simple as long as you have a good starting point. If you have a current auto insurance policy, you should be able to find the best rates using the ideas presented in this article. Nevertheless, Texas car owners should learn how insurance companies price online insurance because it varies considerably.

Most of the larger companies give insurance quotes on the web. Obtaining pricing for Dodge Caliber insurance in Houston can be done by anyone because you just enter your coverage information into the quote form. When complete, their system orders credit information and your driving record and returns a price based on these factors. The ability to get online price quotes for Dodge Caliber insurance in Houston helps simplify price comparisons, and it’s necessary to get many rate quotes if you want to find the cheapest possible prices on insurance.

To save time and compare rates using this form now, check out the insurance providers below. If you have a policy now, it’s recommended you type in coverages and limits exactly as shown on your declarations page. Doing this guarantees you will be getting rate comparison quotes for similar insurance coverage.

The following companies are our best choices to provide price quotes in Texas. If multiple providers are shown, it’s a good idea that you visit two to three different companies to find the lowest auto insurance rates.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific zip code location which can increase or decrease premium rates noticeably.

How high should deductibles be?

One of the hardest decisions when shopping for auto insurance is the level to set your comp and collision deductibles. The following tables outline the costs and benefits when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can increase or decrease prices substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $26 more each month or $312 each year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 29 months between claim filings, you would most likely save money going with the higher deductible.

Do you need full coverage?

The example below visualizes the comparison of Dodge Caliber auto insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or driving violations, $1,000 deductibles, married male driver, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There isn’t a steadfast formula for phasing out comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Dodge Caliber replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $3,000 after the deductible is paid. If you are paying over $300 annually to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Get cheaper Dodge Caliber insurance in Houston with discounts

Some insurers don’t list every discount they offer in a way that’s easy to find, so the below list has a few of the more well known and the harder-to-find credits available to bring down your rates. If you are not receiving all the discounts you qualify for, you could be saving more on your insurance.

• Multi-car Discount – Buying insurance for multiple cars or trucks on one policy can get a discount for every vehicle.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
• Driving Data Discount – Drivers that enable their insurance company to track driving manner through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they are good drivers.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
• Accident Free – Claim-free drivers get the best insurance rates when compared to drivers who are more careless.

Policy discounts save money, but some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, nobody gets a free ride. But any discount should help lower your policy cost.

If you would like to see a list of insurance companies that provide some of the discounts listed above in Houston, click here.

Why do I need car insurance?

Despite the high cost, buying insurance may be required for several reasons.

• The majority of states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Caliber has a lien holder, it’s most likely the lender will stipulate that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Dodge at a more expensive rate and force you to reimburse them the higher premium.
• Insurance preserves your vehicle and your assets. It will also reimburse you for medical expenses that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of having insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver is overpaying more than $855 a year so compare rates at every renewal to ensure rates are inline.

Insurance is unique, just like you

When selecting your policy, there really is no “best” method to buy coverage. Your needs are unique to you and your insurance should unique, too.
Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

• How can I get high-risk coverage after a DUI?
• Am I covered when driving someone else’s vehicle?
• Can I still get insurance after a DUI?
• Is rental equipment covered for theft or damage?
• What vehicles should carry emergency assistance coverage?
• What are the best liability limits?
• Is business equipment covered while in my vehicle?
• What is covered by UM/UIM coverage?
• How much liability coverage do I need in Texas?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Compare rates but buy from a neighborhood Houston auto insurance agent

Many people would prefer to talk to an insurance agent. One of the best bonuses of comparing insurance prices online is the fact that you can find cheaper prices and also buy local.

Upon completion of this short form, your information is instantly submitted to agents in your area who will gladly provide quotes to get your business. It’s much easier because you don’t need to drive around since rate quotes are delivered directly to your email. You can find the lowest rates without requiring a lot of work. If you wish to get a price quote from a particular provider, don’t hesitate to navigate to their website and fill out their quote form.

Finding a good company requires more thought than just the quoted price. The questions below may impact your decision as well.

• Is there a 24/7 contact number?
• By raising physical damage deductibles, how much would you save?
• Are they primarily personal or commercial lines agents in Houston?
• How much training do they have in personal risk management?
• What are their preferred companies if they are an independent agency?

Best car insurance agent in Houston

When narrowing the list to find a good insurance agency, there are a couple of different types of agents and how they operate. Agencies in Houston are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Exclusive agencies can only write with one company such as State Farm, AAA, and Liberty Mutual. These agents are unable to place coverage with different providers so you might not find the best rates. These agents receive a lot of sales training on sales techniques and that can be a competitive advantage.

The following is a list of exclusive agencies in Houston who may provide you with rate quotes.

More Houston agents

Independent Car Insurance Agents

Independent agents often have affiliation with several companies so they can write business through many different car insurance companies and get the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. If you are trying to find cheaper rates, you will want to get some free quotes from at least one independent agent so that you have a good selection of quotes to compare.

Listed below is a list of independent agents in Houston who can help you get rate quotes.

More Houston agents