Searching for low-cost insurance for a new or used Dodge Caliber in Florida can turn out to be difficult, but you can use the following methods to find lower rates.
There is a better way to compare car insurance rates so we’re going to tell you the quickest way to compare rates on a Dodge and locate the lowest price from Jacksonville insurance agents and online providers.
The companies shown below are our best choices to provide price comparisons in Jacksonville, FL. If multiple companies are shown, it’s a good idea that you compare several of them to get the best price comparison.
Auto insurance is not optional but you don’t have to overpay
Despite the high insurance cost for a Dodge Caliber in Jacksonville, insuring your vehicle serves several important purposes.
- Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability protection if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Caliber, it’s most likely the lender will force you to have full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Dodge at a significantly higher premium and require you to reimburse them for it.
- Auto insurance protects not only your Dodge Caliber but also your financial assets. It will also reimburse you for hospital and medical expenses that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees in the event you are sued. 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 carrying adequate insurance are without a doubt worth the cost, especially with large liability claims. But the average driver in Florida is overpaying over $800 each year so it’s recommended you shop around at every policy renewal to ensure rates are inline.
Rate information and statistics
The information below covers estimates of insurance coverage prices for Dodge Caliber models. Learning more about how insurance policy rates are formulated can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $196 | $452 | $472 | $28 | $142 | $1,290 | $108 |
| Caliber Heat | $196 | $452 | $472 | $28 | $142 | $1,290 | $108 |
| Caliber SE | $196 | $452 | $472 | $28 | $142 | $1,290 | $108 |
| Caliber Mainstreet | $196 | $452 | $472 | $28 | $142 | $1,290 | $108 |
| Caliber Rush | $196 | $452 | $472 | $28 | $142 | $1,290 | $108 |
| Caliber SXT | $196 | $452 | $472 | $28 | $142 | $1,290 | $108 |
| Caliber Uptown | $196 | $452 | $472 | $28 | $142 | $1,290 | $108 |
| Caliber R/T | $226 | $532 | $472 | $28 | $142 | $1,400 | $117 |
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in Jacksonville location which can raise or lower premiums substantially.
Physical damage deductibles: Should you raise them?
When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The tables below may help you to understand the rate differences between high and low insurance deductibles. The first rate estimation uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Caliber Heat | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Caliber SE | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Caliber Mainstreet | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Caliber Rush | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Caliber SXT | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Caliber Uptown | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Caliber R/T | $358 | $764 | $418 | $24 | $124 | $1,713 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $228 | $438 | $418 | $24 | $124 | $1,232 | $103 |
| Caliber Heat | $228 | $438 | $418 | $24 | $124 | $1,232 | $103 |
| Caliber SE | $228 | $438 | $418 | $24 | $124 | $1,232 | $103 |
| Caliber Mainstreet | $228 | $438 | $418 | $24 | $124 | $1,232 | $103 |
| Caliber Rush | $228 | $438 | $418 | $24 | $124 | $1,232 | $103 |
| Caliber SXT | $228 | $438 | $418 | $24 | $124 | $1,232 | $103 |
| Caliber Uptown | $228 | $438 | $418 | $24 | $124 | $1,232 | $103 |
| Caliber R/T | $262 | $516 | $418 | $24 | $124 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in specific location information which can raise or lower price quotes significantly.
Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $27 more each month or $324 a year averaged for all Caliber models than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 15 months between claim filings, you would come out ahead by going with a higher deductible.
The chart below shows how choosing a deductible and can raise or lower Dodge Caliber premium costs for different age groups. The information is based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Gender differences in auto insurance premiums
The chart below illustrates the comparison of Dodge Caliber car insurance rates for male and female drivers. The rate quotes are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Cost of full coverage
The illustration below compares Dodge Caliber yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The rates are based on a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are applied.
Guidelines for dropping full coverage
There isn’t a steadfast formula for dropping full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Dodge Caliber claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after the policy deductible has been paid. If it’s costing in excess of $800 annually for physical damage coverage, then it might be time to buy liability only.
There are a few cases where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Take policy discounts and save on Dodge Caliber insurance in Jacksonville
Not many people think insurance is cheap, but there’s a good chance there are discounts that can drop the cost substantially. Some discounts will apply when you quote, but once in a while a discount must be inquired about before being credited.
- Membership in Organizations – Affiliation with certain professional organizations could trigger savings on your bill.
- Driver Training Discounts – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily pay for the cost of the class.
- Payment Discounts – By making one initial payment as opposed to paying monthly you may reduce your total bill.
- Drive Less and Save – Low annual miles can earn lower premium rates due to less chance of an accident.
- No Accidents – Jacksonville drivers who stay claim-free get the best auto insurance rates as opposed to accident-prone drivers.
- Telematics Devices – Policyholders that allow their insurance company to spy on driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they have good driving habits.
- Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts could see savings of 25 to 30%.
- Good Student – Getting good grades may save you up to 25%. The good student discount can last well after school through age 25.
- Discount for Home Ownership – Being a homeowner can get you a discount because maintaining a house is proof of financial responsibility.
- Employee of Federal Government – Active or former government employment may qualify for a discount when you quote Jacksonville car insurance with certain companies.
As a sidenote, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The information below visualizes the comparison of Dodge Caliber yearly insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, multi-car, safe-driver, and multi-policy discounts applied.
Some of the insurance companies who might offer these money-saving discounts include:
It’s a good idea to ask every prospective company how many discounts you can get. A few discounts may not apply in your state. To see companies who offer cheap Dodge Caliber insurance quotes in Jacksonville, click here to view.
Auto insurance quotes from local Jacksonville insurance agencies
Some people still prefer to get professional advice from a licensed agent and doing that can be a smart decision Experienced insurance agents can help determine the best coverages and help you file claims. A nice benefit of comparing insurance prices online is the fact that drivers can get lower rates but also keep your business local. Supporting local insurance agents is definitely important in Jacksonville.
After completing this short form, your coverage information gets sent to companies in Jacksonville that can give you free Jacksonville car insurance quotes for your business. It simplifies rate comparisons since you won’t have to do any legwork because quoted prices will be sent immediately to your email address. If you want to compare rates from a specific company, you would need to navigate to their website and complete a quote there.
The different types of auto insurance agents
If you prefer to buy auto insurance from local Jacksonville agents, you should know the different types of agents from which to choose. Agents in Jacksonville can either be exclusive or independent agents depending on their company appointments. Both types of agents can provide auto insurance policies, but it’s worth mentioning why they differ because it can influence the kind of agent you use.
Independent Auto Insurance Agencies
Independent agents are not required to write business for one company so they can write business through many companies enabling the ability to shop coverage around. If you are not satisfied with one company, they can switch companies in-house and that require little work on your part.
If you are trying to find cheaper rates, you will definitely want to check rates from a couple of independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to companies you’ve never heard of which can be an advantage.
The following are Jacksonville independent insurance agencies that may be able to give price quote information.
- Rumlin Insurance Agency
5600 New Kings Rd #4 – Jacksonville, FL 32209 – (904) 770-4456 – View Map - Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map - Connect America Insurance Agency
8825 Perimeter Park Blvd #303 – Jacksonville, FL 32216 – (904) 494-8898 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only quote rates from one company and some examples include State Farm, Allstate, and Farm Bureau. They are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on their company’s products and that can be a competitive advantage. Drivers often buy from exclusive agents mainly due to the prominent brand name and the convenience of having all coverages with one company.
Listed below is a short list of exclusive agents in Jacksonville who can help you get price quotes.
- Margie Harner – State Farm Insurance Agent
4540 Southside Blvd #1102 – Jacksonville, FL 32216 – (904) 296-2500 – View Map - Chris Bedford – State Farm Insurance Agent
3943 Baymeadows Rd #1 – Jacksonville, FL 32217 – (904) 730-4300 – View Map - Randy Taylor – State Farm Insurance Agent
3041 Monument Rd #1 – Jacksonville, FL 32225 – (904) 642-2400 – View Map
Finding a good insurance agency is decision based upon more than just a cheap price. Any agent in Jacksonville should be willing to answer these questions.
- Do they feel the quoted coverages are adequate?
- Does the company use OEM repair parts?
- What companies can they write with?
- Does their agency support local causes in Jacksonville?
- What is the agency’s Better Business Bureau rating?
Cheaper auto insurance rates are out there
When shopping online for auto insurance, do not reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate.
Some insurance providers do not offer online rate quotes and most of the time these small insurance companies provide coverage only through independent agencies. Cheaper auto insurance in Jacksonville is attainable on the web as well as from independent agents in Jacksonville, and you need to price shop both to get a complete price analysis.
In this article, we presented a lot of tips how to shop for Dodge Caliber insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Drivers may even discover the best price on auto insurance is with the smaller companies.
How to quote cheaper Dodge Caliber insurance in Jacksonville
If you want to save money, the best way to find more affordable auto insurance rates is to start doing a yearly price comparison from insurers in Jacksonville.
- Take a few minutes and learn about how car insurance works and the things you can change to prevent high rates. Many rating criteria that cause rate increases such as careless driving and a not-so-good credit history can be eliminated by making minor changes to your lifestyle.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while independent agents can provide rate quotes for a wide range of insurance providers. View insurance agents
- Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current company of your intent to cancel the current policy and submit a down payment along with a signed application to your new agent or company. Make sure you place your new certificate verifying coverage with your registration paperwork.
The most important part of shopping around is that you’ll want to make sure you compare the same liability limits and deductibles on every quote request and and to get rate quotes from every company you can. This guarantees a fair rate comparison and maximum price selection.
For more information, feel free to visit the resources below:
- Safety Belts FAQ (iihs.org)
- What Insurance is Cheapest for Homeowners in Jacksonville? (FAQ)
- Who Has the Cheapest Auto Insurance for 4×4 Vehicles in Jacksonville? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Frontal Crash Tests (iihs.org)