Save Money on Dodge Caliber Insurance in Atlanta

How many times have you put off comparing quotes for the cheapest auto insurance rates in Atlanta, GA? Atlanta buyers have a choice when searching for low-cost Dodge Caliber insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to get rate quotes. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the best way to get price quotes for a Dodge and find the lowest possible price.

Affordable Dodge Caliber insurance rates in Atlanta

Auto insurance is not an enjoyable expense, but you can get discounts that can drop the cost substantially. Some of these discounts will be visible when you get a quote, but once in a while a discount must be specially asked for before they will apply.

• Senior Discount – Seniors are able to get better auto insurance rates.
• Federal Employees – Active or retired federal employment may reduce rates when you quote Atlanta auto insurance but check with your company.
• Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
• Memberships – Being in specific professional or occupational memberships or organizations may earn a discount when shopping for auto insurance.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Switch and Save Discount – Select insurance companies give a discount for signing up prior to your current Caliber insurance policy expiration. Ten percent is about the average savings.
• Telematics Data Discounts – Insureds that choose to allow their auto insurance company to look at where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as the data is positive.
• Homeowners Savings – Just owning your own home can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
• Defensive Driver Discount – Successfully completing a class that teaches safe driver techniques is a good idea and can lower rates if you qualify.

A quick disclaimer, some of the credits will not apply to the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

A few popular companies and their offered discounts include:

• State Farm has savings for anti-theft, Drive Safe & Save, good driver, accident-free, safe vehicle, and multiple policy.
• Progressive offers discounts for continuous coverage, multi-policy, homeowner, online signing, good student, and online quote discount.
• Travelers policyholders can earn discounts including new car, IntelliDrive, good student, save driver, and continuous insurance.
• American Family includes discounts for defensive driver, multi-vehicle, good driver, bundled insurance, mySafetyValet, and early bird.
• Liberty Mutual discounts include safety features, new move discount, newly retired, multi-policy, exclusive group savings, and teen driver discount.

Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. A few discounts might not be offered in every state. To see companies who offer free Dodge Caliber insurance quotes in Georgia, click here to view.

All the larger car insurance companies such as GEICO, State Farm and Progressive allow consumers to get prices directly from their websites. Getting quotes for Dodge Caliber insurance in Atlanta is possible for anyone as you simply enter your personal and coverage information into the form. Upon sending the form, the company’s rating system automatically orders reports for credit and driving violations and provides a quote based on the information you submitted.

Getting online quotes for Dodge Caliber insurance in Atlanta makes it simple to compare prices and it’s also necessary to perform this step if you are searching for the best car insurance rates.

To save time and compare rates now, compare rates from the companies below. If you currently have coverage, we recommend that you enter the insurance coverages exactly as they are listed on your policy. This guarantees you will receive comparison quotes for exact coverage.

The companies in the list below can provide comparison quotes in Georgia. If multiple companies are listed, it’s highly recommended you get rates from several of them in order to find the most affordable rates.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in specific Atlanta garaging location which can decrease or increase insurance rates noticeably.

Policy deductibles

A question often asked by Atlanta drivers is how high or low should comp and collision deductibles be. The comparisons below approximate the costs and benefits between low and high coverage deductibles. The first data table uses a $100 deductible and the second price table uses a $500 deductible.

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

We can derive from the above data that using a $100 deductible costs approximately $26 more each month or $312 for a full year than requesting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 15 months between claim filings, you would save more money by selecting a higher deductible.

Dodge Caliber annual premiums for males versus females

The information below shows the difference between Dodge Caliber insurance premiums for male and female drivers. The prices are based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Different people need different insurance coverages

When selecting a policy, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions can help discover whether you might need professional guidance.

• When should I not file a claim?
• I have good health insurance, so how much medical payments coverage do I need?
• Should I buy additional glass protection?
• Is upholstery damage covered by car insurance?
• What is PIP insurance?
• How do I insure my teen driver?
• Does coverage extend to a rental car in a foreign country?
• Does my insurance cover a custom paint job?
• What does roadside assistance cover?
• Can my babysitter drive my car?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Get rate quotes but work with a local neighborhood Atlanta car insurance agent

Some consumers prefer to sit down with an agent. Insurance agents are very good at helping people manage risk and help submit paperwork. One of the benefits of getting online price quotes is the fact that you can find the lowest rates and also buy local.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to participating agents in Atlanta that give free quotes for your insurance coverage. You never need to find an agent because prices are sent to your email. If you have a need to quote rates from one company in particular, just navigate to their website and fill out their quote form.

Picking the best company should include more criteria than just the quoted price. Any good agent in Atlanta should know the answers to these questions.

• How much experience to they have in personal lines coverages?
• How will an accident affect your rates?
• Is there a local claims center in Atlanta?
• Is there a Errors and Omissions policy in force?
• Do they have any clout with companies to ensure a fair claim settlement?

The following are agents in Atlanta willing to provide comparison quotes for Dodge Caliber insurance in Atlanta.

• Farmers Insurance – Anissa Few Davenport
  2030 Bolton Rd NW #200 – Atlanta, GA 30318 – (678) 705-5898 – View Map
• Morris and Templeton Insurance
  3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
• PointeNorth Insurance Group
  1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map
• Bryant Thompson – State Farm Insurance Agent
  2230 Cascade Rd SW – Atlanta, GA 30311 – (404) 228-6085 – View Map

More insurance agents

Once you have answers to your satisfaction to all your questions and locked in a price quote, it’s a good possibility that you have found an insurance company that can be trusted to properly insure your vehicles.

Final considerations

In this article, we covered quite a bit of information on how to compare Dodge Caliber insurance car insurance rates in Atlanta. It’s most important to understand that the more you quote Atlanta auto insurance, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from some of the lesser-known companies.

Insureds leave their current company for many reasons like unfair underwriting practices, policy cancellation, delays in paying claims or even denial of a claim. Regardless of your reason for switching companies, finding a new auto insurance company can be less work than you think.

As you prepare to switch companies, you should never buy poor coverage just to save money. In many instances, an insured dropped liability coverage limits only to regret that the savings was not a smart move. Your goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.

Additional information can be found on the following sites:

• Auto Insurance Basics (Insurance Information Institute)
• How Much are Auto Insurance Rates for Hybrid Vehicles in Atlanta? (FAQ)
• How Much is Car Insurance After a Speeding Ticket in Atlanta? (FAQ)
• Who Has Affordable Car Insurance for Active Military in Atlanta? (FAQ)
• Who Has Affordable Atlanta Car Insurance Quotes for Drivers with a DUI? (FAQ)
• Collision Coverage (Liberty Mutual)
• Red Light Cameras (State Farm)
• Anti-Lock Brake FAQ (iihs.org)
• Choosing a Car for Your Teen (State Farm)