Are you researching more competitive Dodge Caliber insurance in Buffalo? Trying to find better insurance prices for a Dodge Caliber in New York could be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to buy auto insurance and you need to know the best way to get price quotes on a Dodge and get the cheapest rates.
Quote Buffalo Dodge Caliber insurance online
Finding cheaper Dodge Caliber insurance prices is a great way to save money. Just take time getting comparison quotes from different insurance companies.
The car insurance companies shown below are our best choices to provide free rate quotes in Buffalo, NY. To get the best car insurance in Buffalo, we recommend you get price quotes from several of them to get a more complete price comparison.
Buffalo car insurance discounts
Car insurance is expensive, but you can get discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but some need to be inquired about prior to receiving the credit.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the PIP or medical payment premium.
- Driving Data Discount – Drivers that enable data collection to monitor driving patterns by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
- Buy New and Save – Insuring a vehicle that is new can be considerably cheaper because new vehicles keep occupants safer.
- Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
- Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
- ABS and Traction Control Discounts – Cars that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more on Caliber insurance in Buffalo.
- Safe Driver Discount – Drivers who avoid accidents may save up to 50% more than drivers with accidents.
- Online Discount – Some companies may give you up to $50 simply for signing on the web.
- Senior Citizen Rates – Seniors can possibly qualify for reduced rates.
One last thing about discounts, most of the big mark downs will not be given to the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But all discounts will cut the premium cost.
The diagram below visualizes the comparison of Dodge Caliber auto insurance rates with and without discounts applied to the premium. Data assumes a female driver, no claims or driving violations, New York state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, claim-free, and homeowner discounts applied.
Popular car insurance companies and their offered discounts can be found below.
- Progressive has savings for multi-policy, online signing, multi-vehicle, continuous coverage, and good student.
- GEICO policyholders can earn discounts including anti-theft, air bags, multi-vehicle, defensive driver, daytime running lights, anti-lock brakes, and federal employee.
- State Farm offers discounts for multiple autos, driver’s education, accident-free, passive restraint, good driver, and multiple policy.
- Esurance may include discounts for good driver, anti-theft, DriveSense, good student, online shopper, and claim free.
- The Hartford discounts include vehicle fuel type, driver training, anti-theft, bundle, good student, defensive driver, and air bag.
If you need the cheapest Dodge Caliber rate quotes, ask all the companies which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in every state.
Dodge Caliber insurance coverage information
The rate information below highlights estimates of insurance rates for Dodge Caliber models. Having a better idea how insurance prices are determined can be valuable when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $140 | $272 | $270 | $16 | $80 | $778 | $65 |
| Caliber Heat | $140 | $272 | $270 | $16 | $80 | $778 | $65 |
| Caliber SE | $140 | $272 | $270 | $16 | $80 | $778 | $65 |
| Caliber Mainstreet | $140 | $272 | $270 | $16 | $80 | $778 | $65 |
| Caliber Rush | $140 | $272 | $270 | $16 | $80 | $778 | $65 |
| Caliber SXT | $140 | $272 | $270 | $16 | $80 | $778 | $65 |
| Caliber Uptown | $140 | $272 | $270 | $16 | $80 | $778 | $65 |
| Caliber R/T | $162 | $320 | $270 | $16 | $80 | $848 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can revise auto insurance rates considerably.
Can higher deductibles save money?
One of the more difficult decisions when buying insurance is which deductible level should you buy. The data tables below show the differences in price when you choose different comp and collision deductibles. The first data table uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Caliber Heat | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Caliber SE | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Caliber Mainstreet | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Caliber Rush | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Caliber SXT | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Caliber Uptown | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Caliber R/T | $204 | $406 | $264 | $16 | $80 | $995 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Caliber Heat | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Caliber SE | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Caliber Mainstreet | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Caliber Rush | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Caliber SXT | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Caliber Uptown | $110 | $216 | $264 | $16 | $80 | $686 | $57 |
| Caliber R/T | $126 | $256 | $264 | $16 | $80 | $742 | $62 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific zip code location which can revise price quotes greatly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $19 more each month or $228 annually than choosing the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 39 months between claims, you would come out ahead going with the higher deductible.
Calculation for raising deductibles
| Average monthly premium for $250 deductibles: | $77 |
| Average monthly premium for $1,000 deductibles (subtract): | – $58 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 39 months |
One important issue to know is that increasing deductibles to lower your rates means you pay more out-of-pocket when you have to file a claim. It will be required that you have some savings in order to pay the deductible.
The information below shows how different deductible levels and can raise or lower Dodge Caliber annual premium costs for each age group. The data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.
Rate increases following a ticket or accident
The diagram below highlights how traffic violations and accident claims can influence Dodge Caliber car insurance rates for different age groups. The data is based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
Choices You Make Can Impact Your Insurance Premiums
The best way to find cheaper car insurance is to take a look at the factors that help determine the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that could help you find better car insurance rates. Lots of things are considered when quoting car insurance. A few of the factors are predictable such as your driving record, but others are more transparent like where you live or your commute time.
Liability limits are a factor – The liability coverage on your policy is the coverage that protects you if ever you are responsible for causing damage or personal injury in an accident. Liability provides you with a defense in court to defend your case. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
Policy add-ons could be costing you – Insurance companies have many extra add-on coverages that may not really be needed if you don’t pay attention. Things like vanishing deductibles, accidental death, and extra equipment coverage may not be needed and are just wasting money. These may sound like a good investment when buying your policy, but if you’ve never needed them in the past get rid of them and save.
Optional features that lower rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft and help lower rates.
Insure your auto and home with one company – Most car insurance companies will award better rates to customers that buy multiple policies such as combining an auto and homeowners policy. This can amount to ten percent or more. Even though this discount sounds good, you still need to compare Dodge Caliber rates in Buffalo to confirm you are receiving the best rates possible. Consumers may find lower rates even if you insure with multiple companies
Always have car insurance – Allowing your coverage to lapse is a quick way to increase your car insurance rates. And not only will your rates increase, the inability to provide proof of insurance will get you a revoked license or a big fine. You could then be forced to prove you have insurance by filing a SR-22 with the New York department of motor vehicles.
When to talk to a local insurance agent
Some consumers still prefer to talk to an insurance agent and that is a personal choice. Good agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of getting free rate quotes online is that you can find better rates and also buy local.
To find an agent, once you fill out this short form, your coverage information is instantly submitted to agents in your area who want to provide quotes and help you find cheaper coverage. You won’t need to find an agent because prices are sent to you. If you have a need to get a rate quote from a specific insurance provider, you would need to visit that company’s website to submit a rate quote request.
Picking an company requires more thought than just a cheap price. Any agent in Buffalo should be willing to answer these questions.
- Do they offer claims assistance after hours?
- Are they involved in claim handling?
- Do they specialize in personal lines auto insurance in Buffalo?
- What are their preferred companies if they are an independent agency?
- What insurance companies do they work with in Buffalo?
- Are they able to provide referrals?
If you are searching for a reputable agency, it’s helpful to know the types of insurance agents that you can choose from. Insurance agencies in Buffalo are either independent agents or exclusive agents. Both provide insurance policies, but it’s worth mentioning the difference between them since it could factor into which type of agent you select.
Exclusive Agencies
Exclusive insurance agents generally can only insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Exclusive agencies are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Many people buy insurance from these agents primarily because of the brand and strong financial ratings.
Below are exclusive insurance agencies in Buffalo willing to provide rate quotes.
- Joe Czaja – State Farm Insurance Agent
1021 Union Rd – Buffalo, NY 14224 – (716) 674-3654 – View Map - Marc Scherrer – State Farm Insurance Agent
2165 Sheridan Dr – Buffalo, NY 14223 – (716) 875-0524 – View Map - Dan Schmidt – State Farm Insurance Agent
615 Elmwood Ave – Buffalo, NY 14222 – (716) 783-9460 – View Map
Independent Agents
Independent agents are not locked into one company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If your premiums go up, the agent simply finds a different carrier and that require little work on your part.
If you need cheaper insurance rates, you definitely need to get quotes from a couple of independent agencies in order to compare the most rates. Most also write with small regional insurance companies which may have better rates.
Shown below are independent agencies in Buffalo willing to provide price quote information.
- Buffalo Queen City Insurance Agency
26 French Lea Rd – Buffalo, NY 14224 – (716) 608-6047 – View Map - Niagara Montauk Insurance
1547 Hertel Ave – Buffalo, NY 14216 – (716) 800-4282 – View Map - P.A.G. Agency Inc
1660 Kensington Ave – Buffalo, NY 14215 – (716) 835-3221 – View Map
New York auto insurance companies
Selecting a highly-rated insurance company can be a challenge considering how many choices drivers have in New York. The company ratings shown next could help you analyze which auto insurance companies to look at comparing rate quotes with.
Top 10 Buffalo Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Nationwide
- Allstate
- The General
- The Hartford
- 21st Century
Top 10 Buffalo Car Insurance Companies Ranked by Customer Satisfaction
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- Erie Insurance – 88%
- USAA – 87%
- State Farm – 87%
- Travelers – 87%
- Mercury Insurance – 87%
- Safeco Insurance – 86%
Cheaper car insurance rates are possible
Throughout this article, we presented a lot of ways to reduce Dodge Caliber insurance prices online in Buffalo. The most important thing to understand is the more times you quote, the better likelihood of getting affordable Buffalo car insurance quotes. Drivers may even discover the lowest prices are with the least-expected company.
When searching for cheaper Buffalo car insurance quotes, you should never buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The goal is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.
Drivers leave their current company for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, unfair underwriting practices or even delays in paying claims. Whatever your reason, finding a new company is not as hard as you think.
Steps to finding discount Dodge Caliber insurance in Buffalo
Truthfully, the best way to find discount auto insurance rates is to start comparing rates regularly from companies in Buffalo.
Step 1: Take a little time to learn about how car insurance works and the modifications you can make to keep rates low. Many policy risk factors that increase rates such as traffic violations and an unacceptable credit rating can be improved by making small lifestyle or driving habit changes.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while agents who are independent can give you price quotes for a wide range of companies.
Step 3: Compare the new rates to your existing coverage and determine if cheaper Caliber coverage is available in Buffalo. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
Step 4: Provide adequate notice to your current company of your intent to cancel your existing policy and submit payment along with a signed and completed policy application to your new carrier. As soon as you have the new policy, place your new proof of insurance paperwork with the vehicle registration.
An important part of this process is that you’ll want to compare identical coverages on each quote and and to get quotes from as many different insurance providers as possible. Doing this helps ensure the most accurate price comparison and the most accurate and complete price analysis.
Additional articles
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has Cheap Car Insurance for a Dodge Ram in Buffalo? (FAQ)
- How Much is Buffalo Car Insurance for Inexperienced Drivers? (FAQ)
- What Insurance is Cheapest for Low Credit Scores in Buffalo? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Shopping for a Safe Car (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)