Dodge Caliber Insurance Quotes in Nashville

It’s safe to conclude that insurance companies want to keep you from comparing prices. People who compare other rates will most likely buy a different policy because of the good chance of finding discount prices. A recent survey found that people who shopped around every year saved $850 each year compared to policyholders who don’t make a habit of comparing rates.

If finding budget-friendly insurance in Nashville is your ultimate goal, then having an understanding of how to find and compare coverages can make it easier to shop your coverage around.

Insurance quote for Dodge Caliber in NashvilleIt takes a few minutes, but the best way to find better pricing on auto insurance rates in Nashville is to compare prices annually from providers in Tennessee. Rates can be compared by following these guidelines.

The key thing to know about shopping around is to use identical coverage information on every quote request and to quote with all possible companies. This ensures a fair price comparison and the best price selection.

Determine discounts to get cheap Nashville insurance rates

Not many people think insurance is cheap, but there could be available discounts that can help lower your rates. Many discounts should be triggered when you get a quote, but a few must be requested specifically prior to receiving the credit. If you are not receiving all the discounts available, you are paying more than you should be.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will bring down the amount you pay for coverage.

The illustration below shows the difference between Dodge Caliber annual premium costs with and without policy discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, multi-car, safe-driver, and homeowner discounts applied.

Insurance companies that may offer policyholders some of the above discounts include:

Double check with every prospective company the best way to save money. Savings might not be offered in your area.

The method we recommend to compare policy rates for Dodge Caliber insurance in Nashville is to know the trick all the major auto insurance companies actually pay money for the chance to compare rate quotes. The one thing you need to do is give them some information like level of coverage desired, daily mileage, if it has an anti-theft system, and an estimate of your credit level. The data is then submitted to many of the top insurers and they return rate quotes very quickly.

To compare rates for your Dodge Caliber now, click here and find out if lower rates are available in Nashville.

The companies shown below provide price quotes in Nashville, TN. If multiple companies are listed, we recommend you compare several of them in order to find the cheapest rates.

Detailed insurance information

The coverage table shown below outlines a range of coverage prices for Dodge Caliber models. Understanding how insurance premiums are calculated can be valuable when making smart choices when selecting a coverage provider.

Dodge Caliber Insurance Rates in Nashville, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $186 $440 $304 $18 $90 $1,038 $87
Caliber Heat $186 $440 $304 $18 $90 $1,038 $87
Caliber SE $186 $440 $304 $18 $90 $1,038 $87
Caliber Mainstreet $186 $440 $304 $18 $90 $1,038 $87
Caliber Rush $186 $440 $304 $18 $90 $1,038 $87
Caliber SXT $186 $440 $304 $18 $90 $1,038 $87
Caliber Uptown $186 $440 $304 $18 $90 $1,038 $87
Caliber R/T $214 $518 $304 $18 $90 $1,144 $95
Get Your Own Custom Quote Go

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in specific location which can affect coverage prices noticeably.

Higher deductibles save money

One of the more difficult decisions when buying insurance is how high should your deductibles be. The following tables can help illustrate the price difference between high and low comp and collision deductibles. The first rate table uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Dodge Caliber insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $194 $376 $288 $18 $86 $987 $82
Caliber Heat $194 $376 $288 $18 $86 $987 $82
Caliber SE $194 $376 $288 $18 $86 $987 $82
Caliber Mainstreet $194 $376 $288 $18 $86 $987 $82
Caliber Rush $194 $376 $288 $18 $86 $987 $82
Caliber SXT $194 $376 $288 $18 $86 $987 $82
Caliber Uptown $194 $376 $288 $18 $86 $987 $82
Caliber R/T $224 $444 $288 $18 $86 $1,085 $90
Get Your Own Custom Quote Go

Dodge Caliber insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $120 $236 $288 $18 $86 $748 $62
Caliber Heat $120 $236 $288 $18 $86 $748 $62
Caliber SE $120 $236 $288 $18 $86 $748 $62
Caliber Mainstreet $120 $236 $288 $18 $86 $748 $62
Caliber Rush $120 $236 $288 $18 $86 $748 $62
Caliber SXT $120 $236 $288 $18 $86 $748 $62
Caliber Uptown $120 $236 $288 $18 $86 $748 $62
Caliber R/T $138 $278 $288 $18 $86 $808 $67
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in Nashville location which can change rates greatly.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $20 more each month or $240 annually than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 38 months between claim filings, you would most likely save money by selecting a higher deductible.

The diagram below shows how choosing a deductible and can impact Dodge Caliber insurance costs for different age categories. The information is based on a single male driver, comp and collision included, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The illustration below shows the comparison of Dodge Caliber annual premium costs with full coverage compared to only the Tennessee minimum liability coverage. The prices are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Dodge Caliber replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after the deductible is paid. If you are currently paying more than $400 a year for your policy with full coverage, then you might consider buying liability only.

There are some circumstances where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

Nashville Insurance Rates are Influenced by These Factors

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that help calculate car insurance rates. When you know what positively or negatively influences your rates, this allows you to make good choices that may result in lower rates. Many different elements are part of the calculation when pricing auto insurance. A few of the factors are predictable like an MVR report, although others are less apparent like your continuous coverage or your financial responsibility.

The following are a few of the “ingredients” utilized by car insurance companies to help set prices.

Car insurance can be complex

When buying adequate coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different and your car insurance should be unique as well. For instance, these questions may help you determine if you would benefit from an agent’s advice.

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance is available from your local insurance agencies

Certain consumers would rather go talk to an agent and that is a personal choice. Experienced insurance agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing auto insurance online is the fact that drivers can get cheaper car insurance rates and also buy local. And supporting local insurance agencies is especially important in Nashville.

Nashville insurance agentsTo make it easy to find an agent, after completing this quick form, your insurance coverage information gets sent to local insurance agents who will gladly provide quotes to get your business. It’s much easier because you don’t need to drive around as quotes are delivered straight to your inbox. If you have a need to compare prices from one company in particular, you can always go to their quote page and submit a quote form there.

Exclusive agents vs. Independent agents

If you want to buy auto insurance from a local Nashville insurance agency, it’s helpful to know the types of agencies and how they work. Nashville agents are either exclusive agents or independent agents. Either type can do a good job, but it’s worth mentioning the differences because it can influence your agent selection.

Independent Auto Insurance Agents (or Brokers)

Independent insurance agents do not have single company limitations and that allows them to write policies with multiple insurance companies and find the cheapest auto insurance rates. If premiums increase, they simply move the coverage in-house and you won’t have to switch agencies.

When shopping rates, it’s a good idea to include at least one independent agent to have the best price comparison. Most also have access to smaller regional carriers which may have better rates.

Below are Nashville independent insurance agencies who can help you get free price quotes.

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Exclusive Agencies

Agents in the exclusive channel can only place business with one company such as Farmers Insurance, Allstate, or State Farm. These agents are unable to provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are well schooled on what they offer which can be an advantage. Some insured continue to use the same exclusive agent mainly due to high brand loyalty and strong financial ratings.

Shown below are exclusive agencies in Nashville willing to provide price quotes.

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Finding the right auto insurance agent requires more thought than just a cheap price quote. Any agent in Nashville should be willing to answer these questions.

After talking to the agent and getting good responses to your questions and cheap Caliber insurance quotes, you may have found an auto insurance agent that is reliable enough to provide auto insurance coverage.

Car insurance is not optional in Tennessee

Despite the high insurance cost for a Dodge Caliber in Nashville, insuring your vehicle may be required and benefits you in several ways.

The benefits of insuring your car definitely exceed the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $830 a year so you should quote and compare rates every year to ensure rates are inline.

You can lower your insurance rates

Budget-conscious Dodge Caliber insurance can be found online and from local agencies, and you should compare rates from both to have the best selection. There are still a few companies who don’t offer price quotes online and these small insurance companies work with independent insurance agencies.

We just presented a lot of information how to compare Dodge Caliber insurance rates in Nashville. The key concept to understand is the more you quote Nashville car insurance, the better chance you’ll have of finding inexpensive Nashville car insurance quotes. You may even discover the most savings is with the smaller companies. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like State Farm, GEICO and Nationwide.

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