Save Money on Dodge Caliber Insurance in Oklahoma City

Do you need a better way to compare cheaper Dodge Caliber insurance in Oklahoma City? Having to pay for expensive insurance in Oklahoma City can bleed your bank account and force you to make tough financial choices.

It’s an obvious assumption that auto insurance companies don’t want you to look for a cheaper policy. People who rate shop once a year will probably switch companies because the odds are good of finding discount prices. A recent survey revealed that consumers who shopped around every year saved $72 a month compared to other drivers who didn’t regularly shop around.

If finding low prices for Dodge Caliber insurance is your objective, then having an understanding of how to shop and compare insurance premiums can make it simple to find affordable coverage.

Since you have so many choices for buying lower-cost insurance for a Dodge Caliber in Oklahoma City, it can be difficult for drivers to find a more affordable insurer.

Smart consumers take time to compare rates quite often because insurance prices tend to go up over time. If you had the best rate on Dodge Caliber insurance in Oklahoma City two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the best way to save on insurance.

Why You Might Pay Higher Rates in Oklahoma City

Lots of things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other criteria are more obscure such as your credit history or your vehicle rating.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set rates.

Save money with theft deterrents – Choosing a vehicle that has an advanced theft prevention system can save you some money. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.

Never go without car insurance – Allowing your car insurance policy to lapse is a quick way to increase your car insurance rates. In addition to paying higher rates, failure to provide proof of insurance can result in fines or a revoked license.

Be proud to be claim-free – Insurance companies in Oklahoma award the lowest premiums to people who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

High performance equals high premiums – The performance level of the car you own makes a big difference in your car insurance bill. Economy passenger models usually have the lowest rates, but other factors influence the final cost greatly.

The following data uses these assumptions: married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Dodge Caliber car insurance rates compared to other models that have different risk factors.

Better drivers pay lower prices – Careful drivers have lower premiums as compared to careless drivers. Even one ticket can increase rates to the point where it’s not affordable. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.

The example below shows how traffic citations and at-fault fender-benders can impact Dodge Caliber insurance premiums for different categories of driver ages. The data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

Your spouse saves you money – Having a wife or husband may cut your premiums on your car insurance policy. It means you’re more mature than a single person and statistics prove drivers who are married file infrequent claims.

Does car insurance cost less for females? – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean females are better drivers. Both sexes are responsible for auto accidents in similar numbers, but the males tend to have more serious accidents. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving. Teenage male drivers are the most expensive to insure and therefore pay the highest rates.

The chart below shows the difference between Dodge Caliber insurance rates for male and female drivers. The rates are based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, single status, and no discounts are taken into consideration.

Where you call home factors in – Having an address in a rural area has definite advantages when talking about car insurance. Urban drivers have to deal with more traffic problems and more time behind the wheel. Less people means a lower chance of having an accident and a lower car theft rate.

How to compare free Oklahoma City Dodge Caliber insurance rate quotes

To find cheap prices, there are a couple of ways to compare rate quotes from companies that offer auto insurance in Oklahoma. The quickest method to find cheaper rates consists of obtaining rate quotes online.

It’s so easy to compare price quotes online that it makes it a waste of time to physically go to local Oklahoma City insurance agencies. Comparing Dodge Caliber insurance rates online has made agencies unnecessary unless you want the professional assistance that only a licensed agent can provide. Although you can compare the best prices online but buy from a local insurance agent.

When comparison shopping, comparing a large number of companies provides better odds of finding more affordable insurance.

The car insurance companies shown below can provide free rate quotes in Oklahoma City, OK. If more than one company is shown, we recommend you click on several of them to find the lowest car insurance rates.

Premium rates and analysis

The coverage information shown below showcases a range of rate quotes for Dodge Caliber models. Being aware of how insurance prices are formulated can be valuable when making smart choices when purchasing an auto insurance policy.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific Oklahoma City garaging location which can modify coverage rates noticeably.

Deductible analysis

When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The premium rates below can help you understand the rate fluctuation between low and high coverage deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can revise rates significantly.

Based on these figures, using a $100 deductible could cost the average driver approximately $43 more each month or $516 each year across all Dodge Caliber models than opting for the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 21 months between claim filings, you would probably be better off going with the higher deductible.

The illustration below illustrates how your choice of deductibles and can influence Dodge Caliber annual premium costs for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Why do I need car insurance?

Despite the fact that car insurance is not cheap in Oklahoma City, buying car insurance may not be optional for several reasons.

• Just about all states have minimum liability requirements which means state laws require a minimum amount of liability coverage in order to be legal. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your vehicle has a lienholder, more than likely the lender will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Dodge for a lot more money and make you pay the higher premium.
• Car insurance protects both your vehicle and your personal assets. It will also cover all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your Dodge gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $820 a year so it’s important to compare rates once a year at a minimum to ensure rates are competitive.

Get lower-cost Dodge Caliber insurance in Oklahoma City with discounts

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. A few discounts will be applied when you quote, but some must be inquired about before they will apply.

• Oklahoma City Homeowners Pay Less – Just being a homeowner can save a few bucks because owning a home shows financial diligence.
• Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it can save substantially.
• Multiple Cars – Buying coverage for primary and secondary vehicles on one policy can get a discount on all vehicles.
• Theft Deterrent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
• Fewer Miles Equal More Savings – Maintaining low annual mileage can earn substantially lower premium rates.
• Government Employees – Having worked for a branch of the government could provide a small rate reduction with a few insurance companies.
• Early Switch Discount – Some larger companies give discounts for signing up before your current Caliber insurance policy expires. You may see this discount when you get Oklahoma City auto insurance quotes online.
• College Student Discount – Youth drivers who live away from home to go to college and do not take a car to college could get you a discount.
• Defensive Driver Discount – Completing a course teaching defensive driver skills could possibly earn you a 5% discount depending on where you live.

As a sidenote, some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So even though you would think adding up those discounts means a free policy, companies wouldn’t make money that way.

The example below shows the difference between Dodge Caliber yearly insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no violations or claims, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, multi-policy, and safe-driver discounts applied.

Larger insurance companies and their possible discounts are:

• Progressive offers discounts including multi-policy, good student, online quote discount, homeowner, multi-vehicle, and continuous coverage.
• MetLife may include discounts for good student, good driver, accident-free, claim-free, and multi-policy.
• Mercury Insurance policyholders can earn discounts including location of vehicle, anti-theft, professional/association, accident-free, age of vehicle, and multi-car.
• Nationwide includes discounts for good student, defensive driving, multi-policy, accident-free, family plan, and easy pay.
• GEICO may offer discounts for defensive driver, anti-lock brakes, multi-policy, federal employee, and multi-vehicle.
• AAA offers discounts for good student, pay-in-full, anti-theft, AAA membership discount, multi-car, good driver, and multi-policy.

If you need lower rates, check with each insurance company how you can save money. A few discounts may not apply to policyholders in Oklahoma City.

Auto insurance quotes from local Oklahoma City insurance agencies

Many people prefer to get professional advice from a licensed agent and that is recommended in a lot of cases One of the best bonuses of comparing insurance prices online is that drivers can save money and get cheaper premium rates and still have an agent to talk to.

For easy comparison, once you complete this form (opens in new window), your coverage information is submitted to insurance agents in Oklahoma City that provide free Oklahoma City auto insurance quotes for your insurance coverage. There is no reason to contact any agents due to the fact that quote results will go to your email. You can find the lowest rates without a big time investment. If you have a need to get a comparison quote from a particular provider, you would need to search and find their rate quote page and fill out the quote form the provide.

Choosing the best insurance company should include more criteria than just a cheap quote. Ask your prospective agent these questions:

• Does the agent have a valid license to sell insurance in Oklahoma?
• Is there a local claims center in Oklahoma City?
• Do they get paid more for recommending certain coverages?
• What are their preferred companies if they are an independent agency?
• Are there any discounts that you might be missing?
• Will you work with the agent or an assistant?
• Where would your vehicle be repaired?

When narrowing the list to find a good insurance agency, you need to know there are two different agency structures that you can select. Auto insurance agencies can be classified as either independent agents or exclusive agents.

Exclusive Agents

Exclusive agents can only place business with one company like AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to shop your coverage around so they really need to provide good service. Exclusive agents are very knowledgeable on the products they sell and that enables them to sell even at higher rates.

The following are Oklahoma City exclusive agencies who can help you get price quotes.

View more Oklahoma City agents

Independent Auto Insurance Agents

Agents that choose to be independent do not work for one specific company so they can insure your vehicles with any number of different companies and get you the best rates possible. If they find a lower price, they simply move the coverage in-house which requires no work on your part. If you are trying to find cheaper rates, you should always contact a few independent agents in order to have the best price comparison.

The following are independent agents in Oklahoma City willing to provide price quote information.

View more Oklahoma City agents

Don’t assume everyone needs the same insurance coverage

When it comes to choosing your policy for your vehicles, there isn’t really a best way to insure your cars. Your needs are unique to you so your insurance should reflect that
Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

• What if a claim settlement is too low?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does coverage extend to a rental car in a foreign country?
• Do I have coverage for damage caused while driving under the influence?
• Should I have combined single limit or split liability limits?
• Is my custom stereo system covered?
• When can I cancel my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Cheaper car insurance is a realistic goal

You just learned quite a bit of information on how to compare Dodge Caliber insurance prices in Oklahoma City. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper Oklahoma City auto insurance quotes. Consumers may even find the lowest prices are with some of the lesser-known companies. These companies may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.

When you buy Oklahoma City auto insurance online, do not buy less coverage just to save a little money. In many cases, an insured dropped full coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

How to find cheaper Dodge Caliber insurance in Oklahoma City

The best way to quote cheaper car insurance rates is to do a yearly price comparison from providers that insure vehicles in Oklahoma City. This can be done by completing these steps.

1. Learn about how your policy works and the modifications you can make to drop your rates. Many factors that drive up the price such as tickets, at-fault accidents, and a not-so-good credit history can be improved by making minor driving habit or lifestyle changes.
2. Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can quote rates for a wide range of insurance providers.
3. Compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of shopping around is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and and to get prices from as many carriers as you can. Doing this ensures an accurate price comparison and and a good selection of different prices.

Additional information can be read below:

• Teen Driving and Texting (State Farm)
• Who Has Cheap Oklahoma City Car Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
• How Much is Oklahoma City Car Insurance for Veterans? (FAQ)
• Who Has Cheap Auto Insurance for Drivers Under 21 in Oklahoma City? (FAQ)
• How Much are Car Insurance Rates for Teenage Males in Oklahoma City? (FAQ)
• What Car Insurance is Cheapest for Welfare Recipients in Oklahoma City? (FAQ)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Child Safety FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)