How many times have you told yourself to find lower-priced Dodge Caliber insurance in Anchorage? Locating better insurance prices for a new or used Dodge Caliber in Alaska can normally be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to compare auto insurance rates so you’re going to learn the best way to get price quotes for a Dodge and locate the lowest possible price either online or from Anchorage insurance agents.
Learn How to Buy Car Insurance at a Discount
It’s important that you understand the different types of things that help determine car insurance rates. When consumers understand what controls the rates you pay, this enables you to make decisions that could help you find better car insurance rates.
Shown below are a partial list of the pieces that factor into rates.
Reduce premiums by driving cars with good safety ratings – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and lower rates of occupant injuries means your insurance company pays less and lower rates for you. If your Dodge Caliber earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Good drivers pay better costs – Whether or not you get tickets impacts your car insurance rates tremendously. Getting just one speeding ticket can increase rates to the point where it’s not affordable. Drivers with clean records get better rates as compared to careless drivers. Drivers who have gotten license-revoking tickets such as DUI or willful reckless driving are required to complete a SR-22 with their state motor vehicle department in order to legally drive.
The example below illustrates how violations and fender-benders influence Dodge Caliber yearly insurance costs for different age groups. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Older drivers save more – Youthful drivers in Alaska are proven to be careless and easily distracted when driving so they pay higher car insurance rates. More mature drivers tend to be more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets.
The following chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
The type of car, truck or SUV makes a difference – The type of car you are trying to find cheaper insurance for makes a substantial difference in your rates. The lowest base rates will generally be found on economy passenger cars, but the cost you end up paying is determined by many additional factors.
The next chart assumes a single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It shows Dodge Caliber car insurance rates compared to other models that have a range of performance risks.
Premiums are affected by your credit rating – Credit score will be a significant factor in calculating your car insurance rates. Consumers who have good credit tend to file fewer claims and have better driving records than drivers who have bad credit. So if your credit rating is lower than you’d like, you may save money insuring your Dodge Caliber by improving your credit score.
The quickest way to get policy rate comparisons for Dodge Caliber insurance in Anchorage takes advantage of the fact most of the bigger providers actually pay money for the chance to give rate comparisons. To begin a comparison, all you need to do is provide a little information like your job, the make and model of your vehicles, whether or not you need a SR-22, and if you are currently licensed. Your details is automatically sent to multiple insurance providers and they respond with quotes within a short period of time.
To check rates for your car now, click here and see if a lower rate is available in Anchorage.
The companies shown below offer price quotes in Alaska. If you want to find the best auto insurance in AK, it’s highly recommended you compare several of them in order to find the most competitive rates.
Coverage analysis
The premium information displayed next outlines different insurance prices for Dodge Caliber models. Learning a little about how insurance prices are formulated can benefit drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $146 | $328 | $330 | $20 | $98 | $922 | $77 |
| Caliber Heat | $146 | $328 | $330 | $20 | $98 | $922 | $77 |
| Caliber SE | $146 | $328 | $330 | $20 | $98 | $922 | $77 |
| Caliber Mainstreet | $146 | $328 | $330 | $20 | $98 | $922 | $77 |
| Caliber Rush | $146 | $328 | $330 | $20 | $98 | $922 | $77 |
| Caliber SXT | $146 | $328 | $330 | $20 | $98 | $922 | $77 |
| Caliber Uptown | $146 | $328 | $330 | $20 | $98 | $922 | $77 |
| Caliber R/T | $168 | $388 | $330 | $20 | $98 | $1,004 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in specific Anchorage garaging location which can impact rates greatly.
Should you raise deductibles?
One of the hardest decisions when shopping for insurance is which deductibles should you choose. The comparisons below lay out the rate differences between high and low deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $184 | $354 | $272 | $16 | $82 | $933 | $78 |
| Caliber Heat | $184 | $354 | $272 | $16 | $82 | $933 | $78 |
| Caliber SE | $184 | $354 | $272 | $16 | $82 | $933 | $78 |
| Caliber Mainstreet | $184 | $354 | $272 | $16 | $82 | $933 | $78 |
| Caliber Rush | $184 | $354 | $272 | $16 | $82 | $933 | $78 |
| Caliber SXT | $184 | $354 | $272 | $16 | $82 | $933 | $78 |
| Caliber Uptown | $184 | $354 | $272 | $16 | $82 | $933 | $78 |
| Caliber R/T | $210 | $418 | $272 | $16 | $82 | $1,023 | $85 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $148 | $286 | $272 | $16 | $82 | $804 | $67 |
| Caliber Heat | $148 | $286 | $272 | $16 | $82 | $804 | $67 |
| Caliber SE | $148 | $286 | $272 | $16 | $82 | $804 | $67 |
| Caliber Mainstreet | $148 | $286 | $272 | $16 | $82 | $804 | $67 |
| Caliber Rush | $148 | $286 | $272 | $16 | $82 | $804 | $67 |
| Caliber SXT | $148 | $286 | $272 | $16 | $82 | $804 | $67 |
| Caliber Uptown | $148 | $286 | $272 | $16 | $82 | $804 | $67 |
| Caliber R/T | $170 | $336 | $272 | $16 | $82 | $876 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific garaging location which can change coverage rates noticeably.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $11 more each month or $132 every year than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 23 months between claims, you would save money by going with a higher deductible.
The example below shows how choosing a deductible and can raise or lower Dodge Caliber insurance prices for each different age group. The data assumes a married male driver, comp and collision included, and no discounts are factored in.
Insurance rates by gender and age
The chart below shows the difference between Dodge Caliber premium costs for male and female drivers. The premiums assume no claims or violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Auto insurance does more than just protect your car
Even though it can be expensive, insuring your vehicle serves several important purposes.
- Almost all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability insurance coverage in order to be legal. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Caliber has a lienholder, most lenders will make it mandatory that you have insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your Dodge at a more expensive rate and require you to reimburse them much more than you were paying before.
- Auto insurance preserves both your assets and your Dodge. Insurance will pay for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your policy will cover the repair costs.
The benefits of carrying adequate insurance outweigh the cost, especially when you need to use it. On average, a vehicle owner in Anchorage is overpaying over $865 each year so we recommend shopping around each time the policy renews to help ensure money is not being wasted.
Get affordable rates with discounts
Companies that sell car insurance don’t list all available discounts very well, so we break down both well-publicized and also the lesser-known credits available to you.
- Homeowners Savings – Owning a home in Anchorage can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
- Early Switch Discount – A few insurance companies offer discounts for signing up prior to the expiration date on your current Caliber insurance policy. It can save you around 10%.
- Buy New and Save – Buying a new car model is cheaper since new model year vehicles are generally safer.
- Mature Driver Discount – Drivers over the age of 55 may be able to get a discount up to 10%.
- Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more off the PIP or medical payment premium.
- Telematics Devices – Drivers that enable their insurance company to look at where and when they drive remotely such as State Farm’s In-Drive may get a rate reduction if their driving habits are good.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently so companies will give you a small discount.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
- Student Discounts – Getting good grades may save you up to 25%. This discount can apply well after school through age 25.
- Payment Method – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
Consumers should know that many deductions do not apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck.
The example below compares Dodge Caliber car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no tickets, no at-fault accidents, Alaska state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, multi-policy, and marriage discounts applied.
A partial list of companies that may offer quotes with some of the above discounts possibly include:
When quoting, ask every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in your area. If you would like to view insurers that have a full spectrum of discounts in Anchorage, click here.
Get rate quotes but still have a local neighborhood Anchorage car insurance agent
A small number of people would prefer to talk to an insurance agent and that can be a great decision Most agents can help determine the best coverages and help file insurance claims. The best thing about price shopping on the web is you may find cheap rate quotes but still work with a licensed agent.
Once you complete this form (opens in new window), your coverage information is emailed to participating agents in Anchorage that give free quotes for your insurance coverage. There is no reason to find an agent due to the fact that quote results will go to you instantly. If you wish to compare prices from a specific auto insurance provider, you just need to visit that company’s website and fill out the quote form the provide.
Choosing an company requires you to look at more than just the quoted price. Here are some questions to ask:
- Are all drivers listed on the coverage quote?
- Are they full-time agents?
- What company do they have the most business with?
- Does the agency provide any after hours assistance?
- Do they offer accident forgiveness?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Can you get a list of referrals?
Two types of Anchorage auto insurance agents
If you are wanting to find a local agent, you should know the different types of agents and how they are slightly different. Auto insurance agencies can be categorized as either independent or exclusive depending on the company they work for. Either one can write policy coverage, but it’s important to know the subtle differences because it can factor into the kind of agent you use.
Exclusive Auto Insurance Agents
Agents that choose to be exclusive can only place business with one company like American Family, State Farm, and AAA. These agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents are highly trained on the products they sell which aids in selling service over price. Some insured continue to buy from the same agent for years primarily because of the prominent brand name rather than low rates.
Shown below is a short list of exclusive agents in Anchorage who may provide you with comparison quotes.
- State Farm Insurance
Anchorage, AK 99508 – Anchorage, AK 99508 – (907) 333-6575 – View Map - Gary Annis – State Farm Insurance Agent
3330 C St #101 – Anchorage, AK 99503 – (907) 563-1960 – View Map - Allstate Insurance: Devery Prince Agency Team
401 E Fireweed Ln Ste 200 – Anchorage, AK 99503 – (907) 279-9000 – View Map
Independent Auto Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles through many companies and get the cheapest rates. If you are not satisfied with one company, your agent can switch companies which is easy for the insured. If you are comparing rate quotes, we highly recommend that you get rate quotes from multiple independent agents for maximum quote selection. They also have the ability to place coverage with mutual insurance companies that may provide cheaper auto insurance rates.
Below is a list of independent insurance agencies in Anchorage willing to provide price quote information.
- Aurora Insurance Services – A Horace Mann Company
4450 Cordova St #120 – Anchorage, AK 99503 – (907) 563-5300 – View Map - Kent S Kallander Insurance Agency Inc
1317 W Northern Lights Blvd #9 – Anchorage, AK 99503 – (907) 563-1492 – View Map - Randall Moss Insurance
2960 C St #200 – Anchorage, AK 99503 – (907) 562-6224 – View Map
Upon getting acceptable answers to all your questions as well as a price you’re happy with, you’ve probably found a car insurance agent that meets the criteria to provide auto insurance coverage. Just be aware that it’s your policy and you can terminate your policy when you choose so don’t assume you’re contractually obligated to any particular company indefinitely.
Cheaper insurance is a realistic goal
Some insurance companies do not offer rates over the internet and these regional insurance providers work with local independent agencies. Budget-friendly insurance in Anchorage is attainable both online and also from your neighborhood Anchorage agents, so compare prices from both to get a complete price analysis.
Drivers leave their current company for any number of reasons including denial of a claim, poor customer service, policy non-renewal or high prices. It doesn’t matter what your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.
When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage and discovered at claim time that the savings was not a smart move. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.
Steps to finding cheaper Dodge Caliber insurance in Anchorage
If saving the most money is your goal, then the best way to find more affordable Dodge Caliber insurance in Anchorage is to compare prices annually from companies who sell insurance in Alaska. This can be done by completing these steps.
Step 1: Try to comprehend the coverage provided by your policy and the factors you can control to drop your rates. Many things that are responsible for high rates such as inattentive driving and a bad credit rating can be controlled by making lifestyle changes or driving safer.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive or State Farm, while independent agents can provide rate quotes from multiple companies.
Step 3: Compare the new rate quotes to your current policy and determine if there is any savings. If you find a better price, make sure there is no lapse in coverage.
One thing to point out is that you use identical deductibles and limits on every quote request and and to get quotes from every insurance company. Doing this guarantees the most accurate price comparison and plenty of rates choose from.
Additional information is available at the links below
- Prom Night Tips for Teen Drivers (State Farm)
- How Much is Auto Insurance for Drivers with a Bad Driving Record in Anchorage? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Speed and Speed Limit FAQ (iihs.org)