Car Insurance Quotes for the Dodge Caliber

For some owners, the Dodge Caliber was ahead of its time. Successor to the Dodge Neon, the Caliber has been called a “crossover” before that was even a common term. With the fuel efficient engine and interior of an economy car packaged in a brawny looking exterior, the Dodge Caliber was an exciting vehicle for its time. If you are thinking about purchasing one, you’ll need to sort through the maze of obtaining cheap auto insurance.

The cost of protecting your new ride should be between $91 and $159 on average, and you’ll have the peace of mind of knowing that should something go wrong while you’re on the road, your insurer’s got your back.

Look for an established company like Freeway Insurance, whose agents have the expertise to help you find the most affordable car insurance based on your needs and budget.

The types of car insurance coverage you choose will help determine how much your policy will cost. MedPay or PIP are excellent options — these help pay for you and your passengers’ medical expenses, even if you’re at fault. The same applies to collision, which covers the cost of repairs for your car if it’s damaged due to an accident you cause. But these options also raise your premium cost.

Full Coverage

A full coverage policy will cost approximately $159 per month. If you’re ever at fault for an accident, you’ll be very happy you chose this option since it pays for damages to your vehicle despite you causing the crash. With this type of policy, you’ll also be covered for theft and other damages to your car, like a tree branch falling on your vehicle, even if it doesn’t stem from an accident.

State Minimum Liability

Every state has a bare minimum of coverage you must obtain in order to drive your vehicle on public roads. If you get car insurance in Maine, you’ll have to purchase a minimum of $50,000 per person and $100,000 per accident to cover any bodily injury you might cause. You’ll also need $25,000 in property damage coverage, $2,000 of MedPay, and $50,000 per person and $100,000 per accident of coverage in case you get into an accident with an uninsured or underinsured driver.

The average cost is approximately $91 per month for this minimum liability coverage, but if you ever cause an accident, you would be responsible for damages to your own vehicle and might have to pay out of pocket if the damages to the other driver exceed your coverage amounts.

The price of your premiums is determined using many different factors. Here are some examples:

Your Credit Score

People who have higher credit scores are considered less likely to file a claim and more likely to pay their bills. Since this type of client is a lower risk to an insurer, they will pay less than those with lower scores.

The Replacement Cost of Your Vehicle

The value of your vehicle makes a huge difference to your insurer. If you’re in an accident or if your car is stolen, the company will have to shell out money, so they factor that in when they quote a price for full coverage.

Mileage

The amount of miles you put in also helps insurers determine risk. The more miles you drive in a year, the more the possibility of getting into an accident.

Getting hit with a DUI will automatically turn you into a high-risk driver for insurers. Because you are now considered more risky to insure, your premium costs will increase, sometimes by double or even triple. Depending on where you live, you might be required to file an SR-22 certificate. Finding affordable auto coverage can be a challenge once you have something like this on your record, so you may be forced to spend some time looking for affordable DUI solutions.

The Caliber is a compact hatchback that Dodge introduced in production year 2007 and retired in 2012. It was an affordable, versatile vehicle with multiple engine options and a variety of interesting features, such as an optional drink cooler, illuminated cupholders, and a stain-resistant cargo area.