Astonishing but true, the majority of drivers have purchased from the same company for over three years, and just under half have never quoted car insurance rates at all. The average driver in Texas could cut their rates by as much as 70% a year by just shopping around, but most just don’t grasp how much money they would save if they changed companies.
The best way to find cheaper Dodge Caliber insurance is to make a habit of regularly comparing prices from providers in Corpus Christi.
Step 1: Try to comprehend how your policy works and the steps you can take to keep rates down. Many rating criteria that are responsible for high rates like accidents, traffic tickets, and a less-than-favorable credit rating can be amended by making minor changes in your lifestyle. This article gives information to prevent high prices and get bigger discounts.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide prices from many different companies.
Step 3: Compare the new quotes to your existing rates to see if cheaper Caliber coverage is available in Corpus Christi. If you find a better price, make sure there is no lapse in coverage.
The most important part of shopping around is that you’ll want to compare identical limits and deductibles on every price quote and and to analyze as many companies as you can. Doing this ensures an apples-to-apples comparison and many rates to choose from.
Our goal is to introduce you to how car insurance works and how you can save the most money. If you currently have a car insurance policy, you will definitely be able to lower your rates using the concepts you’re about to learn. But Texas drivers can benefit by having an understanding of the methods companies use to calculate their prices.
Compare quotes for Corpus Christi Dodge Caliber insurance
When comparison shopping, comparing more prices increases the chance that you will find the best rates. Some regional insurers cannot provide Corpus Christi Caliber insurance quotes over the internet, so it’s important to also get rates on coverage from those companies, too.
The companies shown below provide free quotes in Corpus Christi, TX. To find cheap car insurance in Texas, it’s highly recommended you visit as many as you can in order to find the most affordable rates.
Best reasons to buy insurance in Texas
Even though it can be expensive, paying for insurance is required by state law in Texas and it also provides benefits you may not be aware of.
First, almost all states have minimum liability requirements which means the state requires specific limits of liability coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your vehicle, more than likely the lender will have a requirement that you have insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank will be required to insure your Dodge at a significantly higher premium and require you to pay for the expensive policy.
Third, insurance preserves both your car and your assets. It will also reimburse you for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. But the average American driver is overpaying more than $810 a year so it’s very important to do a rate comparison at least once a year to ensure rates are competitive.
Coverage statistics and figures
The rate information displayed next outlines estimates of insurance prices for Dodge Caliber models. Being aware of how auto insurance prices are established can help you make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber Heat | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber SE | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber Mainstreet | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber Rush | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber SXT | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber Uptown | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Caliber R/T | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in specific garaging location which can raise or lower coverage prices substantially.
Where to set your deductibles
One of the most common auto insurance questions is how low should you set your deductibles. The following tables may help you to understand the costs and benefits of buying low and high deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Caliber Heat | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Caliber SE | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Caliber Mainstreet | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Caliber Rush | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Caliber SXT | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Caliber Uptown | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Caliber R/T | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Caliber Heat | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Caliber SE | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Caliber Mainstreet | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Caliber Rush | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Caliber SXT | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Caliber Uptown | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Caliber R/T | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in zip code location which can decrease or increase premium rates noticeably.
Based on the data above, we can derive that using a $100 deductible will cost you about $37 more each month or $444 every year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 24 months between claims, you would more than likely save some money if you opt for a higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $120 |
| Average monthly premium for $1,000 deductibles (subtract): | – $83 |
| Monthly savings from raising deductible: | $37 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $37 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
One important note is that higher deductibles means you will have to pay more out-of-pocket when you have to file a claim. You need to have some funds available in order to pay the deductible to have repairs made.
The diagram below shows how different deductible levels and can raise or lower Dodge Caliber yearly insurance costs for different age groups of insureds. The costs are based on a married male driver, full coverage, and no discounts are factored in.
Rate comparison of male drivers versus female drivers
The diagram below shows the comparison of Dodge Caliber car insurance rates for male and female drivers. The data is based on no claims or violations, comp and collision included, $250 deductibles, single status, and no other discounts are factored in.
Do you need full coverage?
The illustration below illustrates the comparison of Dodge Caliber insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no claims or violations, $250 deductibles, single marital status, and no other discounts are factored in.
When to stop buying full coverage
There is no clear-cut rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Dodge Caliber replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your deductible. If premiums are more than $600 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few situations where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.
Earn discounts to get lower-cost Corpus Christi car insurance rates
Auto insurance companies do not advertise their entire list of discounts in a way that’s easy to find, so the next list breaks down both the well known and the harder-to-find discounts that may be available.
- Discount for Life Insurance – If the company offers life insurance, you could get lower premium rates if you buy auto and life insurance together.
- Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from Corpus Christi and do not have access to a covered vehicle could qualify for this discount.
- Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts as much as 30%.
- Club Memberships – Being in certain professional organizations is a simple method to lower premiums when getting a Corpus Christi car insurance quote.
One thing to note about discounts is that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it’s just not the way it works.
The chart below visualizes the comparison of Dodge Caliber insurance prices with and without some available policy discounts. The premium estimates are based on a female driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.
The best car insurance companies and the discounts they provide can be read below.
- State Farm has discounts for anti-theft, student away at school, Drive Safe & Save, good student, defensive driving training, and good driver.
- Progressive has savings for online quote discount, continuous coverage, online signing, multi-policy, and homeowner.
- Progressive policyholders can earn discounts including good student, multi-vehicle, continuous coverage, online signing, and homeowner.
- MetLife may have discounts that include claim-free, defensive driver, multi-policy, accident-free, good student, and good driver.
- Farm Bureau may include discounts for 55 and retired, good student, youthful driver, driver training, safe driver, and multi-policy.
- GEICO discounts include emergency military deployment, multi-vehicle, federal employee, good student, air bags, driver training, and daytime running lights.
- SAFECO includes discounts for teen safety rewards, anti-lock brakes, multi-car, bundle discounts, accident prevention training, and safe driver.
If you need lower rates, check with every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in every state.
Local Corpus Christi insurance agencies
Many people still prefer to talk to a local agent and doing that can be a smart decision The biggest benefit of comparing rate quotes online is you can get cheaper premium rates and still have an agent to talk to. Buying from local agencies is important especially in Corpus Christi.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is instantly submitted to local insurance agents who will return price quotes for your coverage. It makes it easy because there is no need to visit any agencies since rate quotes are delivered to the email address you provide. You can find the lowest rates without a big time investment. If you have a need to compare prices from a specific company, you would need to navigate to their website and fill out the quote form the provide.
Shown below are Corpus Christi insurance companies willing to provide price quote information for Dodge Caliber insurance in Corpus Christi.
All American Hallmark Ins
4510 Weber Rd a – Corpus Christi, TX 78411 – (361) 993-6643 – View Map
Reed Insurance Agency
6500 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 994-1886 – View Map
Alba Insurance Inc
5022 Holly Rd #108 – Corpus Christi, TX 78411 – (361) 854-6551 – View Map
Randy Ritter – State Farm Insurance Agent
6601 Everhart Rd, Ste H4 – Corpus Christi, TX 78413 – (361) 851-8611 – View Map
Finding the right company needs to be determined by more than just the premium amount. Agents should be asked these questions:
- How is replacement cost determined on your vehicle?
- Will the quote change when the policy is issued?
- Can you get a list of referrals?
- Are they in the agency full-time?
- When do they do policy reviews?
- Does the company use OEM repair parts?
- How long has their agency been open in Corpus Christi?
- Do they specialize in personal lines auto insurance in Corpus Christi?
Corpus Christi car insurance company ratings
Selecting a highly-rated car insurance company is hard considering how many different insurance companies sell coverage in Corpus Christi. The rank data displayed below could help you pick which auto insurers to look at shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Affordable auto insurance is out there
Throughout this article, we presented some good ideas how you can lower your Dodge Caliber insurance premium rates in Corpus Christi. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. Consumers may even find the best premium rates are with a smaller regional carrier. These smaller insurers can often provide lower prices in certain areas than their larger competitors like State Farm, GEICO and Nationwide.
A few companies do not offer internet price quotes and most of the time these smaller providers sell through independent agencies. Lower-priced auto insurance in Corpus Christi can be found online and from local insurance agents, so compare prices from both to get a complete price analysis.
Additional information is located on the following sites:
- Safety Features for Your New Car (State Farm)
- Who Has Affordable Auto Insurance Rates for College Students in Corpus Christi? (FAQ)
- How Much are Corpus Christi Auto Insurance Rates for Drivers with Bad Credit? (FAQ)
- How Much is Car Insurance for a Hyundai Elantra in Corpus Christi? (FAQ)
- Learn About Car Insurance (GEICO)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Your Car has been Stolen: Now What? (Allstate)