It’s safe to assume that auto insurance companies don’t want you to look at other companies. Drivers who shop around are inclined to switch companies because there is a great chance of finding a cheaper policy. A recent survey revealed that people who faithfully checked for cheaper rates saved as much as $70 a month compared to people who didn’t regularly shop around.
If finding low prices for car insurance in Irvine is your objective, then having some insight into how to compare cheaper coverage can make shopping around easier.
It takes a few minutes, but the best way to find more affordable auto insurance rates in Irvine is to compare quotes once a year from providers who sell auto insurance in California.
Step 1: Read about the coverage provided by your policy and the measures you can control to keep rates down. Many rating factors that cause high rates such as traffic violations and a substandard credit history can be controlled by making minor changes in your lifestyle.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple insurance companies.
Step 3: Compare the new quotes to your existing coverage to see if you can save by switching companies. If you find a better price and change companies, make sure coverage does not lapse between policies.
Step 4: Notify your agent or company of your intent to cancel your existing policy and submit a down payment along with a completed application to your new agent or company. Make sure you keep your new certificate verifying coverage with your vehicle’s registration.
The most important part of this process is to try to use identical deductibles and limits on every quote and and to get price estimates from all possible companies. Doing this guarantees an apples-to-apples comparison and the best rate selection.
If you have insurance now or are looking for a new policy, you can use this information to get lower rates while maintaining coverages. This article will help educate you on how to compare rates easily and some money-saving tips. You just have to learn the most time-saving way to compare different rates from many different companies online.
Reducing your insurance rates can be relatively painless. You just have to invest a few minutes getting comparison quotes to find the company with the cheapest Dodge Caliber rate quotes.
The companies in the list below offer quotes in Irvine, CA. To find the cheapest auto insurance in Irvine, we recommend you visit as many as you can to get a more complete price comparison.
Car insurance is not optional but you don’t have to overpay
Despite the high cost of buying insurance for a Dodge Caliber in Irvine, insuring your vehicle is required in California but it also protects you in many ways.
First, just about all states have mandatory insurance requirements which means the state requires a minimum amount of liability insurance if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Dodge Caliber has a loan, it’s guaranteed your bank will require that you have physical damage coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Dodge for a lot more money and make you pay for the much more expensive policy.
Third, insurance protects not only your car but also your assets. It will also pay for most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will cover the repair costs.
The benefits of carrying enough insurance definitely exceed the cost, particularly if you ever have a claim. But the average American driver is overpaying more than $869 every year so it’s important to compare rates at every policy renewal to ensure rates are competitive.
Analysis of coverages
The coverage information below highlights detailed analysis of insurance policy prices for Dodge Caliber models. Having a better understanding of how insurance policy premiums are determined can aid in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
| Caliber Heat | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
| Caliber SE | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
| Caliber Mainstreet | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
| Caliber Rush | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
| Caliber SXT | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
| Caliber Uptown | $324 | $790 | $534 | $32 | $160 | $1,840 | $153 |
| Caliber R/T | $372 | $930 | $534 | $32 | $160 | $2,028 | $169 |
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in your specific Irvine location which can increase or decrease coverage prices considerably.
The chart below demonstrates how deductible levels and can raise or lower Dodge Caliber insurance costs for different insured age categories. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Get discounts to get affordable Irvine auto insurance rates
Car insurance is not cheap, but there may be some discounts that can dramatically reduce your bill. A few discounts will be applied at quote time, but less common discounts must be asked about in order for you to get them.
- Membership in Organizations – Participating in a professional or civic organization is a simple method to lower premiums on your policy.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
- Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
- Military Deployment Discount – Being on active deployment in the military could trigger a small discount.
- Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks with one company can reduce the rates for all insured vehicles.
- Policy Bundle Discount – If you combine your auto and home policies and insure them with the same company you could get a discount of at least 10% off all policies.
- Drive Safe and Save – Safe drivers may save up to 50% more than less cautious drivers.
You should keep in mind that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. Even though it appears it’s possible to get free car insurance, you’re out of luck.
The chart below visualizes the comparison of Dodge Caliber auto insurance rates with and without discounts. The rate quotes are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-policy, homeowner, and multi-car discounts applied.
Large auto insurance companies and a summarized list of policyholder discounts are outlined below.
- GEICO may have discounts that include multi-policy, good student, emergency military deployment, daytime running lights, defensive driver, and five-year accident-free.
- Travelers offers discounts for hybrid/electric vehicle, multi-car, home ownership, IntelliDrive, good student, and new car.
- Farm Bureau offers premium reductions for renewal discount, youthful driver, driver training, multi-policy, multi-vehicle, 55 and retired, and good student.
- Liberty Mutual has discounts for new graduate, safety features, hybrid vehicle, newly retired, exclusive group savings, good student, and newly married.
- American Family discounts include good student, accident-free, mySafetyValet, air bags, bundled insurance, and multi-vehicle.
- Progressive offers discounts including online signing, multi-vehicle, good student, continuous coverage, and multi-policy.
If you need inexpensive Irvine auto insurance quotes, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts might not apply in Irvine. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts in California, click here to view.
Irvine auto insurance company ratings
Choosing the best insurance provider can be challenging considering how many choices you have in Irvine. The ranking data listed below may help you choose which coverage providers to look at comparing prices from.
Top 10 Irvine Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Irvine Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+