Smart shoppers know that car insurance companies want to keep your business as long as possible. Insureds who get price comparisons are highly likely to buy a new policy because there is a high probability of finding a more affordable policy. A study discovered that drivers who compared price quotes annually saved about $72 a month as compared to drivers who never compared prices.
If finding the most affordable car insurance is your target objective, then learning a little about how to find and compare auto insurance can help simplify the task of finding more affordable coverage.
The best way to get budget Dodge Caliber insurance in Lincoln is to start comparing rates regularly from insurers who provide car insurance in Nebraska.
- First, it will benefit you to learn about how insurance works and the measures you can control to prevent expensive coverage. Many things that drive up the price like traffic citations and a low credit rating can be rectified by being financially responsible and driving safely.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers. Start a quote
- Third, compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate quote and make a switch, ensure coverage does not lapse between policies.
- Fourth, notify your company or agent of your intent to cancel your existing policy. Submit payment and a completed application to your new agent or company. As soon as you have the new policy, put the new certificate verifying coverage in your vehicle’s glove compartment or console.
One bit of advice is to use the same amount of coverage on every quote and and to get price quotes from as many different companies as possible. Doing this enables the most accurate price comparison and the best price selection.
Buying the cheapest auto insurance in Lincoln is quite easy. Practically everyone who compares rate quotes for auto insurance will more than likely be able to save money. But Nebraska consumers must comprehend the methods companies use to determine how much to charge and apply this information to your search.
Discounts mean cheaper rates for Dodge Caliber insurance in Lincoln
Some providers do not list all possible discounts in an easy-to-find place, so we break down some of the best known and also the lesser-known insurance savings.
- Multi-policy Discount – When you have multiple policies with the same insurance company you may earn over 10 percent off each policy depending on the company.
- Passenger Safety Discount – Factory air bags or automatic seat belts may qualify for discounts as much as 30%.
- Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course as it will make them better drivers and lower rates.
- Defensive Driving Course – Taking a defensive driver course could possibly earn you a 5% discount if you qualify.
It’s important to note that most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
The diagram below visualizes the comparison of Dodge Caliber auto insurance rates with and without discounts applied to the rates. The premiums are based on a male driver, no claims, a clean driving record, Nebraska 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-policy, homeowner, multi-car, safe-driver, claim-free, and marriage discounts applied.
Some of the larger companies who might offer most of the discounts above include:
If you want the cheapest Dodge Caliber rate quotes, ask each company or agent which discounts can lower your rates. All car insurance discounts may not apply in your area.
Just remember that making a lot of price comparisons helps increase your odds of locating lower pricing. Not every company does Lincoln Caliber insurance quotes online, so you also need to get price estimates on coverage from those companies, too.
The following companies have been selected to offer free quotes in Lincoln, NE. To find cheap car insurance in NE, we recommend you click on several of them to find the lowest car insurance rates.
Statistics and details
The premium table below showcases different coverage costs for Dodge Caliber models. Learning how insurance policy rates are determined can assist in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Caliber Heat | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Caliber SE | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Caliber Mainstreet | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Caliber Rush | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Caliber SXT | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Caliber Uptown | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Caliber R/T | $198 | $456 | $282 | $16 | $84 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in Lincoln location which can increase or decrease prices considerably.
The diagram below demonstrates how deductibles and can change Dodge Caliber annual premium costs for different insured age categories. The premiums are based on a married male driver, comp and collision included, and no other discounts are factored in.
Auto insurance rates are higher with tickets and accidents
The chart below illustrates how violations and at-fault claims can increase Dodge Caliber car insurance rates for different ages of insureds. The data is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Age, gender, and Dodge Caliber insurance
The diagram below shows the difference between Dodge Caliber insurance rates for male and female drivers. The prices are based on no violations or accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Comparison of full coverage and liability-only policies
The information below shows the difference between Dodge Caliber premium costs with and without physical damage coverage. The premiums are based on no accidents or driving violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no definitive guideline that is best for determining when to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your Dodge Caliber replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after you pay the deductible. If premium cost is more than $500 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where only buying liability is not a good plan. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Comparing prices from local Lincoln insurance agents
Some people would prefer to go talk to an agent and we recommend doing that A nice benefit of comparing rates online is you may find cheaper auto insurance rates but still work with a licensed agent.
Upon completion of this simple form, your information is emailed to local insurance agents in Lincoln who will give you quotes and help you find cheaper coverage. There is no reason to visit any agencies as quotes are delivered immediately to you. You can find lower rates without having to waste a lot of time. If you wish to compare rates from one company in particular, feel free to search and find their rate quote page and give them your coverage information.
Picking an provider requires more thought than just the premium amount. Any agent in Lincoln should have no problem answering these questions:
- What are their preferred companies if they are an independent agency?
- If you raise deductibles, how much can you save?
- Are there any discounts for paying up front?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do you work with a CSR or direct with the agent?
What types of auto insurance agents are in Lincoln?
If you need to find a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents that you can choose from. Car insurance agencies can either be exclusive or independent.
Exclusive Insurance Agencies
These agents can only place business with one company and examples are American Family, State Farm, and Allstate. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. Exclusive agencies are usually well trained in insurance sales which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents mainly due to the prominent brand name rather than low rates.
The following is a list of exclusive agencies in Lincoln that are able to give price quotes.
- John Eshleman – State Farm Insurance Agent
7501 O St #103 – Lincoln, NE 68510 – (402) 483-7578 – View Map - Shelter Insurance – Richard Diers
4242 Cornhusker Hwy – Lincoln, NE 68504 – (402) 464-9511 – View Map - American Family Insurance – Linde Matthiesen
245 S 84th St #117 – Lincoln, NE 68510 – (402) 489-7799 – View Map
Independent Car Insurance Agents
Agents that elect to be independent do not have single company limitations so they have the ability to put coverage with any number of different companies and find the cheapest rate. If premiums increase, your policy is moved internally and you can keep the same agent. If you need cheaper car insurance rates, you will definitely want to compare quotes from independent agents in order to compare the most rates. Many write coverage with smaller companies that many times have cheaper rates.
Shown below is a short list of independent insurance agents in Lincoln that can give you price quotes.
- UNICO Group
1128 Lincoln Mall #200 – Lincoln, NE 68508 – (402) 434-7200 – View Map - Davidson Insurance Agency, Inc
5604 South 48th St #6 – Lincoln, NE 68516 – (800) 249-1443 – View Map - Independent Insurance Agents
8231 Northwoods Dr # B – Lincoln, NE 68505 – (402) 476-2951 – View Map
Insurance coverages explained
Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.
Medical expense coverage
Med pay and PIP coverage provide coverage for bills such as X-ray expenses, EMT expenses, chiropractic care and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive protection
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as vandalism, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision insurance
Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible on your Caliber to save money on collision insurance.
Uninsured or underinsured coverage
This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Caliber.
Since many Nebraska drivers only carry the minimum required liability limits (25/50/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Liability
Liability insurance protects you from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage pays for things such as medical services, loss of income, medical expenses and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford. Nebraska state minimum liability requirements are 25/50/25 but you should consider buying higher limits.
The illustration below demonstrates why the minimum limit may not provide adequate coverage.
More effort can pay off
Insureds switch companies for any number of reasons including high prices, an unsatisfactory settlement offer, delays in paying claims or even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.
When searching for inexpensive Lincoln auto insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability coverage limits only to find out that it was a big error on their part. Your goal should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.
Cheaper Dodge Caliber insurance in Lincoln is definitely available on the web as well as from insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies may not offer the ability to get quotes online and usually these small insurance companies prefer to sell through independent agents.
To learn more, link through to the resources below:
- Distracted Driving Extends Beyond Texting (State Farm)
- How Much are Auto Insurance Quotes for a Nissan Versa in Lincoln? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)