It’s an obvious conclusion that car insurance companies want to keep your business as long as possible. People who do rate comparisons will presumably switch companies because they have a good chance of finding better rates. A recent auto insurance study revealed that drivers who compared rates annually saved on average $72 a month compared to other drivers who never shopped around for cheaper prices.
If finding the cheapest rates on car insurance is your goal, learning how to quote and compare coverages can make it easier to find better rates.
The best way we recommend to find cheaper quotes for auto insurance rates is to compare prices at least once a year from insurers in Las Vegas. Rate comparisons can be done by completing these steps.
Step 1: Read about how companies price auto insurance and the measures you can control to keep rates down. Many rating factors that increase rates such as at-fault accidents, careless driving, and a lousy credit rating can be rectified by making lifestyle changes or driving safer.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agencies can quote rates for a wide range of companies.
Step 3: Compare the quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
A crucial key to this process is that you use the same deductibles and limits on each quote request and to quote with as many companies as possible. This ensures a fair rate comparison and and a good selection of different prices.
Companies offering competitive Dodge Caliber rate quotes in Las Vegas, NV
The car insurance companies shown below are our best choices to provide comparison quotes in Nevada. If you want to find cheap car insurance in Las Vegas, we recommend you visit several of them to get the best price comparison.
Detailed insurance information
The price information displayed next highlights different insurance rates for Dodge Caliber models. Being more informed about how insurance policy premiums are established can aid in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $124 | $248 | $314 | $18 | $94 | $798 | $67 |
| Caliber Heat | $124 | $248 | $314 | $18 | $94 | $798 | $67 |
| Caliber SE | $124 | $248 | $314 | $18 | $94 | $798 | $67 |
| Caliber Mainstreet | $124 | $248 | $314 | $18 | $94 | $798 | $67 |
| Caliber Rush | $124 | $248 | $314 | $18 | $94 | $798 | $67 |
| Caliber SXT | $124 | $248 | $314 | $18 | $94 | $798 | $67 |
| Caliber Uptown | $124 | $248 | $314 | $18 | $94 | $798 | $67 |
| Caliber R/T | $142 | $292 | $314 | $18 | $94 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in zip code location which can change prices considerably.
The diagram below demonstrates how deductible levels and can raise or lower Dodge Caliber annual premium costs for each different age category. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The information below illustrates the difference between Dodge Caliber car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no accidents, no driving violations, $250 deductibles, single marital status, and no policy discounts are applied.
Should you buy full coverage or liability only?
There isn’t a written rule to stop paying for full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Dodge Caliber book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying your policy deductible. If premium cost is more than $300 annually to have full coverage, then it may be the right time to buy liability only.
There are some situations where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Why Your Insurance Rates might be higher
Lots of factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but other criteria are less obvious like your continuous coverage or how financially stable you are.
The items below are some of the items companies use to determine your prices.
Liability coverage is peace of mind – A critical coverage on your policy, liability insurance provides coverage if ever you are responsible for causing personal injury or damage in an accident. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
How many coverages with the same company – Some insurance companies give lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. The discount can add up to 10 percent or more. Even if you’re getting this discount it’s still a good idea to compare other Las Vegas Caliber insurance rates to help guarantee you have the best rates.
Gender impacts prices – Over time, data shows that men are more aggressive behind the wheel. It does not mean females are better drivers. Men and women cause auto accidents at about the same rate, but the men have costlier accidents. They also receive more major tickets like driving under the influence (DUI).
The information below illustrates the comparison of Dodge Caliber auto insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.
Get a ticket, pay higher rates – Good drivers get better rates than bad drivers. Only having one driving citation may cause rates to rise to the point where it’s not affordable. Drivers who have received multiple tickets such as reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
The illustration below illustrates how traffic citations and accidents can drive up Dodge Caliber auto insurance rates for different insured age categories. The prices are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
The type of car, truck or SUV makes a difference – The type of car you need insurance for makes a substantial difference in your rates. Economy passenger cars receive the most favorable rates, but your final cost has many other factors.
The next chart uses these assumptions: single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. The data compares Dodge Caliber policy rates compared to other models that have different performance rating factors.
Vocation and insurance rates – Careers such as military personnel, airline pilots, and medical professionals tend to have higher average rates attributed to intense work situations and lots of time spent away from family. On the other hand, careers like farmers, historians and homemakers get better rates.
Location can impact price – Living in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Lower population means fewer accidents as well as less vandalism and auto theft. People in densely populated areas have to deal with congested traffic and longer commutes to work. Higher commute times means higher likelihood of an accident.
Do you qualify for discounts on Dodge Caliber insurance in Las Vegas?
Companies don’t always publicize the entire discount list very well, so the following is a list of both well-publicized and also the lesser-known discounts that may be available.
- Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Discounts for Government Workers – Simply working for the federal government can save as much as 8% with certain companies.
- Multi-policy Discount – When you have multiple policies and place coverage with the same company you will save as much as 10 to 15 percent.
- Membership in Organizations – Affiliation with qualifying clubs or civic groups may earn a discount when getting a Las Vegas auto insurance quote.
- Senior Citizens – If you’re over the age of 55, you may qualify for a small discount on rates.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little on the medical payments or PIP coverage costs.
- Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more on Caliber insurance in Las Vegas.
As is typical with insurance, many deductions do not apply to the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it’s just not the way it works.
The example below illustrates the difference between Dodge Caliber annual premium costs with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or violations, Nevada state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-policy, multi-car, and marriage discounts applied.
Popular insurance companies and some of their more popular discounts can be found below.
- Progressive offers discounts including multi-policy, continuous coverage, good student, online signing, online quote discount, and multi-vehicle.
- GEICO includes discounts for daytime running lights, seat belt use, five-year accident-free, multi-vehicle, and federal employee.
- State Farm may have discounts that include anti-theft, passive restraint, defensive driving training, student away at school, Steer Clear safe driver discount, and safe vehicle.
- Esurance offers premium reductions for multi-policy, renters, good student, multi-car, and defensive driver.
- The Hartford policyholders can earn discounts including anti-theft, air bag, good student, defensive driver, driver training, and bundle.
If you need affordable Dodge Caliber insurance quotes, ask all companies you are considering to give you their best rates. Some of the earlier mentioned discounts may not apply in Las Vegas. For a list of insurance companies that offer the discounts shown above in Nevada, click here.
Compare prices but still have a local Las Vegas insurance agency
Many drivers prefer to sit down with an agent and that is a personal choice. The best thing about comparing car insurance online is you may find the lowest rates and still choose a local agent.
To make it easy to find an agent, after completing this simple form, your information is immediately sent to local insurance agents in Las Vegas who can give free rate quotes for your coverage. It makes it easy because there is no need to contact any agents due to the fact that quote results will go directly to you. You’ll get the best rates and an insurance agent to talk to. If you want to get a comparison quote from a specific company, just jump over to their website and give them your coverage information.
Picking the best provider requires you to look at more than just a cheap price quote. Any agent in Las Vegas should have no problem answering these questions:
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What companies can they write with?
- By raising physical damage deductibles, how much would you save?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which insurance company do they prefer to write with?
If you would like to find a reliable insurance agency, you should know the different types of agencies and how they are distinctly different. Agents in Las Vegas are either independent agents or exclusive agents depending on their employer.
Exclusive Car Insurance Agents
Agents of this type can only write with one company like Farmers Insurance, State Farm, or Allstate. They usually cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agents are highly trained on their products and sales techniques which helps them sell insurance even at higher premiums. A lot of people use the same agent primarily because of loyalty to the company instead of buying on price only.
Shown below are exclusive insurance agencies in Las Vegas who may provide you with price quote information.
- Mario Giannini – State Farm Insurance Agent
9484 W Lake Mead Blvd #7 – Las Vegas, NV 89134 – (702) 982-3300 – View Map - Marivic Macabasco – State Farm Insurance Agent
1096 E Sahara Ave #207 – Las Vegas, NV 89104 – (702) 892-9908 – View Map - Tod Young – State Farm Insurance Agent
7450 W Cheyenne Ave #105 – Las Vegas, NV 89129 – (702) 367-4900 – View Map
Independent Agents (or Brokers)
Independent agents are not restricted to one company so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If you want to switch companies, your policy is moved internally which is easy for the insured.
If you are trying to find cheaper rates, we recommend you include rate quotes from several independent insurance agents in order to compare the most rates. They often place coverage with smaller regional carriers that many times have cheaper rates.
Below are independent insurance agencies in Las Vegas willing to provide price quotes.
- All Nevada Insurance
9440 W Sahara Ave #210 – Las Vegas, NV 89117 – (702) 873-4889 – View Map - Alliance Insurance Agency
1955 E Tropicana Ave h – Las Vegas, NV 89119 – (702) 518-6727 – View Map - Red Rock Insurance
1958 Village Center Cir #5 – Las Vegas, NV 89134 – (702) 733-0330 – View Map
You may need specialized auto insurance coverage
Always keep in mind that when comparing adequate coverage, there really isn’t a single plan that fits everyone. Everyone’s situation is unique.
Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.
- If I use my vehicle for business use is it covered?
- Is my dog or cat covered if injured in an accident?
- Who is covered by my policy?
- Does medical payments coverage apply to all occupants?
- When should I drop full coverage on my Dodge Caliber?
- Does my Dodge Caliber qualify for pleasure use?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.
Affordable insurance premiums are possible
Cheaper Dodge Caliber insurance in Las Vegas is available online in addition to many Las Vegas insurance agents, so you should compare both to have the best selection. Some insurance companies may not offer online price quotes and many times these regional carriers provide coverage only through independent agents.
As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone dropped comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford while still protecting your assets.
Consumers change insurance companies for any number of reasons including denial of a claim, unfair underwriting practices, not issuing a premium refund or policy non-renewal. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.
Much more information about insurance in Nevada can be read below:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Used Cars in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Car Insurance Rates for 4×4 Vehicles? (FAQ)
- Who Has Cheap Las Vegas Auto Insurance for Drivers with Accidents? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance Rates for Drivers with a DUI? (FAQ)
- How Much are Las Vegas Car Insurance Quotes for a Toyota Corolla? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- What are my Rights when Filing a Claim? (Insurance Information Institute)