Do you want to save money by buying cheaper car insurance rates in Chicago, IL? Chicago buyers have options when searching for the best price on Dodge Caliber insurance. They can either spend hours driving around to compare prices or leverage the internet to make rate comparisons.
There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Dodge and get the lowest price from Chicago insurance agents and online providers.
Amazlingly, a recent NerdWallet.com study showed that most drivers in Illinois kept their policy with the same company for four years or more, and almost 40% of drivers have never quoted car insurance rates at all. With the average car insurance premium being $1,847, American drivers can save hundreds of dollars each year just by shopping around, but they don’t understand how simple it is to find cheaper insurance by shopping around.
It is always a good idea to take a look at other company’s rates yearly since insurance prices go up and down regularly. If you had the lowest rates on Dodge Caliber insurance in Chicago a year ago a different company probably has better rate quotes today. Block out anything you think you know about car insurance because we’re going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.
If you’re already insured or are looking for a new policy, use these cost-cutting techniques to shop for the lowest rates while maximizing coverage. The goal of this article is to help you learn the best ways to compare prices and also save some money in the process Smart buyers just need to use the proper way to get comparison rates from many different companies.
Save money with these price cutting discounts
Auto insurance can be pricey, but companies offer discounts to reduce the price significantly. Most are applied at the time of quoting, but less common discounts must be asked for in order for you to get them. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
- Discounts for Responsible Drivers – Drivers who avoid accidents could pay up to 40% less than less cautious drivers.
- Switch and Save Discount – A few companies allow discounts for buying a policy prior to your current Caliber insurance policy expiration. It’s a savings of about 10%.
- Good Student Discount – A discount for being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
- Professional Organizations – Affiliation with a civic or occupational organization in Chicago could earn you a nice discount on your next renewal.
- Telematics Data Discounts – People who choose to allow their company to look at driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they are good drivers.
- Military Deployment Discount – Having an actively deployed family member may lower your premium rates slightly.
- Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
As is typical with insurance, most credits do not apply to the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Just because you may think you can get free auto insurance, nobody gets a free ride.
Some companies who may offer many of the previously listed discounts are:
If you need lower rates, check with each company how many discounts you can get. Some discounts might not be offered in every state. To find companies that provide some of the discounts listed above in Illinois, click here.
Most companies like State Farm and Allstate allow you to get price estimates directly from their websites. Getting online rates for Dodge Caliber insurance in Chicago is pretty easy as you just type in your required coverages as requested by the quote form. Behind the scenes, the system orders information on your driving record and credit history and quotes a price based on the data you entered.
This makes it simple to compare prices and it’s necessary to perform this step if you want to find cheaper rates.
To find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend that you enter deductibles and limits just like they are on your policy. Doing this guarantees you will be getting a price comparison for the exact same coverage.
The following companies are ready to provide free quotes in Illinois. If more than one company is shown, we suggest you get price quotes from several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $160 | $312 | $268 | $16 | $80 | $836 | $70 |
| Caliber Heat | $94 | $210 | $294 | $18 | $88 | $704 | $59 |
| Caliber SE | $106 | $210 | $266 | $16 | $80 | $678 | $57 |
| Caliber Mainstreet | $138 | $310 | $340 | $20 | $102 | $910 | $76 |
| Caliber Rush | $120 | $262 | $352 | $20 | $106 | $860 | $72 |
| Caliber SXT | $152 | $350 | $294 | $18 | $88 | $902 | $75 |
| Caliber Uptown | $170 | $334 | $266 | $16 | $80 | $866 | $72 |
| Caliber R/T | $194 | $468 | $274 | $16 | $82 | $1,034 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific location information which can increase or decrease rates substantially.
Physical damage deductibles
When shopping for auto insurance, a common question is how low should you set your deductibles. The figures shown below approximate the price difference when you select higher and lower physical damage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $196 | $406 | $262 | $16 | $78 | $983 | $82 |
| Caliber Heat | $196 | $406 | $262 | $16 | $78 | $983 | $82 |
| Caliber SE | $196 | $406 | $262 | $16 | $78 | $983 | $82 |
| Caliber Mainstreet | $196 | $406 | $262 | $16 | $78 | $983 | $82 |
| Caliber Rush | $196 | $406 | $262 | $16 | $78 | $983 | $82 |
| Caliber SXT | $196 | $406 | $262 | $16 | $78 | $983 | $82 |
| Caliber Uptown | $196 | $406 | $262 | $16 | $78 | $983 | $82 |
| Caliber R/T | $224 | $478 | $262 | $16 | $78 | $1,083 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $108 | $214 | $262 | $16 | $78 | $678 | $57 |
| Caliber Heat | $108 | $214 | $262 | $16 | $78 | $678 | $57 |
| Caliber SE | $108 | $214 | $262 | $16 | $78 | $678 | $57 |
| Caliber Mainstreet | $108 | $214 | $262 | $16 | $78 | $678 | $57 |
| Caliber Rush | $108 | $214 | $262 | $16 | $78 | $678 | $57 |
| Caliber SXT | $108 | $214 | $262 | $16 | $78 | $678 | $57 |
| Caliber Uptown | $108 | $214 | $262 | $16 | $78 | $678 | $57 |
| Caliber R/T | $124 | $252 | $262 | $16 | $78 | $732 | $61 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in your specific Chicago location which can alter auto insurance rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $25 more each month or $300 a year than requesting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 36 months between claim filings, you would save more money if you choose the higher deductible.
Impact of citations and accidents on insurance rates
The example below demonstrates how citations and fender-benders raise Dodge Caliber insurance costs for different ages of insureds. The price estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
You may need specialized insurance coverage
Always keep in mind that when comparing coverage online or from an agent, there really is not a one size fits all plan. Every situation is different.
For instance, these questions could help you determine if your situation might need an agent’s assistance.
- When would I need rental car insurance?
- When do I need to add a new car to my policy?
- Why am I required to buy high-risk coverage?
- Does medical payments coverage apply to all occupants?
- How can I get high-risk coverage after a DUI?
- Are there any extra discounts I can get?
- If my pet gets injured in an accident are they covered?
- Will damage be repaired with OEM parts?
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Compare rates but still have a local neighborhood Chicago car insurance agent
A lot of people just want to buy from a local agent and often times that is recommended Most agents can help determine the best coverages and help submit paperwork. A nice benefit of getting free rate quotes online is the fact that you can find cheap rate quotes and still choose a local agent. Buying from local insurance agents is especially important in Chicago.
By using this simple form, the coverage information is emailed to insurance agents in Chicago who want to provide quotes for your business. You never need to leave your house since rate quotes are delivered to you. If you want to compare prices from a specific insurance company, feel free to go to their quote page and submit a quote form there.
Selecting a company is decision based upon more than just the premium amount. The following questions are important to ask.
- When do they do policy reviews?
- Is the agent CPCU or CIC certified?
- Does the agency support the community they serve?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How much experience to they have in personal lines coverages?
- If you have an accident, will your rates go up?
- Will the company cover a rental car if your car is getting fixed?
Cover all your bases
Consumers switch companies for many reasons like policy cancellation, being labeled a high risk driver, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason, finding a new company is not as difficult as it may seem.
We just covered quite a bit of information on how to save on Dodge Caliber insurance in Chicago. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding low cost Chicago auto insurance quotes. You may even be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising.
Lower-priced Dodge Caliber insurance in Chicago can be bought on the web and from local insurance agents, so you need to quote Chicago auto insurance with both in order to have the best chance of saving money. Some insurance providers may not offer online rate quotes and these smaller companies only sell through local independent agents.
More resources
- Crash Avoidance Technologies FAQ (iihs.org)
- What Insurance is Cheapest for a Toyota Highlander in Chicago? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Drivers with a DUI in Chicago? (FAQ)
- What Car Insurance is Cheapest for Immigrants in Chicago? (FAQ)
- Who Has Cheap Chicago Car Insurance Quotes for Low Mileage Drivers? (FAQ)
- How Much are Chicago Car Insurance Rates for Unemployed Drivers? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Side Impact Crash Tests (iihs.org)