Searching for cheaper insurance for a new or used Dodge Caliber in Wisconsin can normally be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Dodge and locate the cheapest rates from both online companies and Milwaukee agents.
Unbelievable but true, the vast majority of drivers kept buying from the same company for at least the last four years, and just under half have never even compared quotes to find cheap rates. Wisconsin consumers could save almost $370 each year by just comparing quotes, but most undervalue how much savings they would realize if they just switched companies.
It is always a good idea to compare prices before your policy renews because car insurance prices fluctuate regularly. Even if you got the lowest rates on Dodge Caliber insurance in Milwaukee a couple years back there is a good chance you can find better premium rates now. Block out anything you think you know about car insurance because we’re going to show you how to use the internet to properly buy coverages and cut your premium.
Locating the best rates in Milwaukee can be made easier if you know where to look. If you have a current car insurance policy or are looking for a new policy, you can use this information to get lower rates without reducing coverage. Smart shoppers just need to understand the most efficient way to compare insurance rates using one simple form.
Where can I get affordable Milwaukee Dodge Caliber insurance?
Most larger insurance companies allow you to get coverage price quotes on their websites. Doing online quotes for Dodge Caliber insurance in Milwaukee is pretty painless as all you need to do is type in the amount of coverage you want as detailed in the form. After you submit the form the company’s rating system collects your credit score and driving record and returns a price quote determined by many factors.
The ability to get online price quotes for Dodge Caliber insurance in Milwaukee makes it a lot easier to compare rates and it’s absolutely necessary to get many rate quotes if you want to get a lower rate.
To save time and 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 you type in the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will get an apples-to-apples comparison using the same coverage and limits.
The companies shown below provide quotes in Wisconsin. If several companies are displayed, it’s a good idea that you click on several of them to find the most competitive car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase rates noticeably.
Gender differences in car insurance premiums
The information below visualizes the comparison of Dodge Caliber annual premium costs for male and female drivers. The data assumes a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
Full coverage rates compared to liability-only
The chart below visualizes the comparison of Dodge Caliber insurance prices with full coverage compared to only the Wisconsin minimum liability coverage. The premium estimates are based on no driving violations, no at-fault accidents, $100 deductibles, single female driver, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no written rule for eliminating physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Dodge Caliber claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after paying your deductible. If you are paying more than $800 annually to have full coverage, then it could be time to drop full coverage.
There are a few situations where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Car insurance just makes sense
Despite the high cost, buying car insurance may not be optional for several reasons.
- Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage if you don’t want to risk a ticket. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Dodge has a loan, it’s guaranteed your bank will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may insure your Dodge at a significantly higher premium and require you to fork over the higher premium.
- Insurance protects both your assets and your vehicle. Insurance will also pay for most medical and hospital costs incurred in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of having car insurance greatly outweigh the cost, especially for larger claims. An average driver in America is overpaying more than $820 a year so it’s recommended you shop around at least once a year to help ensure money is not being wasted.
Informed Consumers Save Money
Lots of things are considered when pricing auto insurance. Most are fairly basic like an MVR report, but others are more obscure such as your marital status and annual miles driven.
Marriage can lower rates – Getting married may cut your premiums on insurance. Having a significant other usually means you are more stable financially and statistics prove being married results in fewer claims.
Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean females are better at driving than males. Females and males tend to get into auto accidents in similar numbers, but the male of the species cause more damage. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
Vehicle options can affect insurance rates – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft and help lower rates.
Pay more if you have a long commute – Choosing to live in less populated areas of the country can save you money when shopping for auto insurance. Less people means a lower chance of having an accident and lower theft and vandalism rates. Drivers in populated Wisconsin areas regularly have much more traffic and more time behind the wheel. The longer drive time translates into higher accident risk.
Do you really need the incidental coverages? – Insurance companies have many additional coverages that may not really be needed but may not be useful. Coverages for replacement cost coverage, high-cost glass coverage, and motor club memberships could be just wasting money. The coverages may be enticing when buying your policy, but if you have no use for them get rid of them and save.
Get discounts on Milwaukee insurance
Car insurance is not cheap, but you may qualify for discounts that many consumers don’t even know exist. Some discounts will apply when you get a quote, but once in a while a discount must be specially asked for before they will apply. If you do not double check each discount you deserve, it’s possible you qualify for a lower rate.
- Sign Early and Save – Select companies give a discount for switching companies before your current Caliber insurance policy expires. You can save around 10% with this discount.
- Active Military Service – Having an actively deployed family member could mean lower rates.
- Own a Home and Save – Just being a homeowner can help you save on insurance because maintaining a house demonstrates responsibility.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of more than 20%.
- Low Mileage Discounts – Driving less can qualify you for substantially lower insurance rates.
- Pay Early and Save – If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
- No Charge for an Accident – Not really a discount, but companies like Liberty Mutual and GEICO will forgive one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
- Telematics Discount – Drivers who elect to allow data collection to track their driving habits by using a telematics device like Allstate’s Drivewise might see lower rates if they show good driving skills.
- Discount for New Cars – Buying a new car instead of a used Caliber is cheaper because newer vehicles are generally safer.
While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, it’s just not the way it works.
Popular insurance companies and some of the discounts are:
- Progressive discounts include multi-vehicle, online quote discount, good student, continuous coverage, homeowner, and online signing.
- AAA offers discounts for multi-policy, education and occupation, anti-theft, good driver, pay-in-full, and multi-car.
- Farmers Insurance may offer discounts for homeowner, early shopping, youthful driver, mature driver, bundle discounts, good student, and alternative fuel.
- GEICO has discounts for multi-policy, daytime running lights, anti-lock brakes, five-year accident-free, federal employee, and good student.
- Esurance includes discounts for online shopper, anti-lock brakes, multi-car, paid-in-full, good student, online quote, and anti-theft.
- SAFECO may have discounts that include safe driver, drive less, teen safe driver, teen safety rewards, accident prevention training, and homeowner.
- State Farm has savings for accident-free, safe vehicle, multiple policy, driver’s education, student away at school, and good driver.
It’s a good idea to ask every prospective company to apply every possible discount. Depending on the company, some discounts might not apply in your area. If you would like to view insurers that offer multiple discounts in Milwaukee, click here to view.
When do I need an agent’s advice?
When buying the best auto insurance coverage, there really is not a cookie cutter policy. Your situation is unique.
For example, these questions can help discover if you might need professional guidance.
- How high should deductibles be on a Dodge Caliber?
- How can I get high-risk coverage after a DUI?
- When can my company non-renew my policy?
- Can I afford to pay high deductible claims out of pocket?
- Can I rate high risk drivers on liability-only vehicles?
- Does my insurance cover my expensive audio equipment?
- Why do I have to buy liability insurance?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Neighborhood insurance agents
Many people just want to sit down with an agent and that is recommended in a lot of cases Insurance agents are highly skilled in risk management and help file insurance claims. A nice benefit of getting free rate quotes online is the fact that drivers can get the best rates and still buy from a local agent.
To help locate an agent, after submitting this short form, your insurance coverage information is submitted to insurance agents in Milwaukee who want to provide quotes for your business. You don’t have to search for any insurance agencies as quotes are delivered to you. If you want to compare prices from one company in particular, don’t hesitate to jump over to their website and give them your coverage information.
Selecting an provider requires more thought than just a cheap quote. Agents should be asked these questions:
- Is there any savings for paying the full premium?
- How does the company pay claims for a total loss?
- How long has their agency been in business in Milwaukee?
- Do they get paid more for recommending certain coverages?
- Are they properly licensed to sell insurance in Wisconsin?
- Which family members are covered?
When searching for a reliable agent, there are two different types of agents to choose from. Agents are categorized either independent agents or exclusive agents depending on their employer. Both types can insure your vehicles, but it’s a good idea to understand the differences because it may have an impact on the selection process.
These agents can usually just insure with one company and examples are AAA, Allstate, and State Farm. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are well trained on their company’s products which helps them compete with independent agents. Some people will only use the same exclusive agent primarily because of high brand loyalty rather than low rates.
Below is a list of exclusive insurance agencies in Milwaukee that can give you rate quotes.
- American Family Insurance – Baiio Marchan
3647 S Chase Ave – Milwaukee, WI 53207 – (414) 744-2192 – View Map
- American Family Insurance – Joseph Setum Jr
3457 S Kinnickinnic Ave – Milwaukee, WI 53207 – (414) 769-0701 – View Map
- Progressive Insurance – Milwaukee Service Center
3442 S 103rd St – Milwaukee, WI 53227 – (414) 944-5200 – View Map
Agents that choose to be independent are not restricted to one company and that is an advantage because they can write policies with any number of different companies enabling the ability to shop coverage around. If they find a cheaper price, they simply move the coverage in-house and you don’t have to switch agencies. When shopping rates, we highly recommend that you include at a minimum one independent agency to ensure the widest selection of prices. Many can place coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.
Below is a short list of independent insurance agencies in Milwaukee willing to provide price quotes.
- Dale G Latus Insurance
5232 W Oklahoma Ave # 215 – Milwaukee, WI 53219 – (414) 352-1118 – View Map
- Kirchen Insurance
2255 W Good Hope Rd – Milwaukee, WI 53209 – (414) 352-5750 – View Map
- Santiago Insurance Agency
828 W Historic Mitchell St – Milwaukee, WI 53204 – (414) 727-8284 – View Map
In this article, we presented many tips how you can save on Dodge Caliber insurance in Milwaukee. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising.
Low-cost Dodge Caliber insurance in Milwaukee is attainable both online and from local agencies, so get free Milwaukee auto insurance quotes from both of them to have the best selection. Some companies don’t offer the ability to get a quote online and these regional insurance providers sell through independent insurance agents.
As you shop your coverage around, you should never buy poor coverage just to save money. There have been many situations where someone dropped liability coverage limits only to regret they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.
For more information, take a look at these articles:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has Cheap Milwaukee Auto Insurance for a Subaru Outback? (FAQ)
- Who Has the Cheapest Milwaukee Auto Insurance Quotes for a Toyota Tacoma? (FAQ)
- Who Has Cheap Milwaukee Auto Insurance Rates for Veterans? (FAQ)
- Who Has the Cheapest Milwaukee Car Insurance Rates for Teenage Females? (FAQ)
- State Car Insurance Guides (GEICO)
- Preventing Carjacking and Theft (Insurance Information Institute)