Auto Insurance Quotes for a Dodge Caliber in Honolulu

Insurance quote for Dodge Caliber in HonoluluHow many times have you told yourself to find more affordable Dodge Caliber insurance in Honolulu? If you’re looking for lower-priced insurance on the web, do you get confused by the crazy number of car insurance choices that you can choose from? Consumers have so many options that it can quickly become more work than you anticipated to find the best prices for Dodge Caliber insurance in Honolulu. Honolulu is a wonderful place to live, but finding the money to pay for car insurance can make it nearly impossible to meet other financial obligations.

Steps to quoting cheaper Dodge Caliber insurance in Honolulu

The best way to find affordable quotes for car insurance rates in Honolulu is to compare prices annually from insurers in Hawaii. Rates can be compared by following these steps.

  1. Try to understand the coverage provided by your policy and the measures you can control to prevent rate increases. Many things that cause high rates like your driving record and a less-than-favorable credit history can be remedied by being financially responsible and driving safely.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agencies can quote rates for a wide range of companies.
  3. Compare the new quotes to the premium of your current policy to see if a cheaper price is available. If you can save money and decide to switch, ensure coverage does not lapse between policies.

The most important part of shopping around is to use similar coverage information on each price quote and and to get prices from every insurance company. This guarantees a level playing field and a complete price analysis.

Anyone knows that auto insurance companies don’t want you quoting rates from other companies. Drivers who shop around for cheaper prices will probably move their business because there are good odds of finding a lower-priced company. A survey found that consumers who compared prices regularly saved $850 each year compared to people who don’t make a habit of comparing rates.

If finding the best price on Dodge Caliber insurance is why you’re reading this, then learning a little about how to choose a company and compare cheaper coverage can help simplify the task of finding more affordable coverage.

You should make it a habit to shop coverage around quite often because car insurance rates change frequently. If you had the best deal on Dodge Caliber insurance in Honolulu last year the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to get good coverage on Dodge Caliber insurance in Honolulu at a lower rate.

If you currently have a car insurance policy, you stand a good chance to be able to save money using the following tips. Buying more affordable car insurance in Honolulu is not that difficult. But Hawaii car owners need to have an understanding of how companies determine how much to charge because it can help you find the best coverage.

How to compare Dodge Caliber insurance price quotes in Honolulu

When price shopping your coverage, obtaining a wide range of quotes helps increase your odds of locating the best rates. Some companies don’t provide rate quotes online, so you also need to get rates from them as well.

The companies shown below provide price comparisons in Hawaii. If several companies are displayed, it’s highly recommended you compare several of them in order to find the cheapest rates.

Three reasons auto insurance is important

Even though it can be expensive, insuring your vehicle is required by state law in Hawaii and it also provides benefits you may not be aware of.

The benefits of having auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. As of last year, the average driver in Hawaii is overpaying more than $869 every year so you should quote your policy with other companies every year to help ensure money is not being wasted.

Dodge Caliber insurance rate analysis

The coverage information below covers a range of insurance costs for Dodge Caliber models. Having a better idea how car insurance premiums are established can help guide drivers when making smart choices when comparing insurance quotes.

Dodge Caliber Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $198 $424 $358 $22 $106 $1,108 $92
Caliber Heat $198 $424 $358 $22 $106 $1,108 $92
Caliber SE $198 $424 $358 $22 $106 $1,108 $92
Caliber Mainstreet $198 $424 $358 $22 $106 $1,108 $92
Caliber Rush $198 $424 $358 $22 $106 $1,108 $92
Caliber SXT $198 $424 $358 $22 $106 $1,108 $92
Caliber Uptown $198 $424 $358 $22 $106 $1,108 $92
Caliber R/T $228 $500 $358 $22 $106 $1,214 $101
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in vehicle garaging location which can revise premium rates greatly.

Deductible comparison

When shopping for car insurance, a common question is how high should the physical damage deductibles be. The figures shown below show the costs and benefits when you choose different comp and collision deductibles. The first rate comparisons uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Dodge Caliber insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $198 $412 $264 $16 $80 $995 $83
Caliber Heat $198 $412 $264 $16 $80 $995 $83
Caliber SE $198 $412 $264 $16 $80 $995 $83
Caliber Mainstreet $198 $412 $264 $16 $80 $995 $83
Caliber Rush $198 $412 $264 $16 $80 $995 $83
Caliber SXT $198 $412 $264 $16 $80 $995 $83
Caliber Uptown $198 $412 $264 $16 $80 $995 $83
Caliber R/T $228 $484 $264 $16 $80 $1,097 $91
Get Your Own Custom Quote Go

Dodge Caliber insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Caliber Express $144 $278 $264 $16 $80 $782 $65
Caliber Heat $144 $278 $264 $16 $80 $782 $65
Caliber SE $144 $278 $264 $16 $80 $782 $65
Caliber Mainstreet $144 $278 $264 $16 $80 $782 $65
Caliber Rush $144 $278 $264 $16 $80 $782 $65
Caliber SXT $144 $278 $264 $16 $80 $782 $65
Caliber Uptown $144 $278 $264 $16 $80 $782 $65
Caliber R/T $166 $328 $264 $16 $80 $854 $71
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in garaging location in Honolulu which can decrease or increase prices significantly.

Based on these figures, using a $100 deductible will cost in the ballpark of $18 more each month or $216 for a full year across all Dodge Caliber models than buying the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 22 months between claims, you would probably save some money if you elect the higher deductible. Below is a better example of how this decision is made.

Average monthly premium for $100 deductibles: $84
Average monthly premium for $500 deductibles (subtract): – $66
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One thing to be aware of is that increasing deductibles to save money results in having to pay to pay more out-of-pocket if you have a claim. That will require some savings in the event you have to pay the deductible for vehicle repair.

Difference between full coverage and liability only rates

The chart below shows the difference between Dodge Caliber annual premium costs when comparing full coverage to liability only. The premiums are based on no violations or accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive rule of when to stop paying for full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Dodge Caliber book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your deductible. If you are paying over $200 annually to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where dropping full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Affordable rates with discounts

Some insurers do not advertise every available discount very clearly, so the following list contains a few of the more common as well as some of the hidden savings tricks you should be using when you buy Honolulu auto insurance online.Cheaper car insurance with discounts

Please keep in mind that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you won’t be that lucky.

The example below illustrates the comparison of Dodge Caliber annual premium costs with and without discounts applied to the rates. Data assumes a female driver, no violations or accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, safe-driver, and multi-policy discounts applied.

Insurance companies that may include some of the discounts shown above include:

Check with each insurance company how you can save money. A few discounts might not be offered in Honolulu. To view companies with discount rates in Honolulu, click here.

Compare rates but buy from a local neighborhood Honolulu car insurance agent

Many people still prefer to visit with an insurance agent and doing that can be a smart decision The biggest benefit of comparing rates online is the fact that drivers can get lower prices but still work with a licensed agent. Buying from local agents is important particularly in Honolulu.

Honolulu insurance agentsAfter filling out this simple form, the quote information is immediately sent to participating agents in Honolulu who can give free rate quotes for your insurance coverage. You don’t have to leave your house since price quotes are sent to you. You can get cheaper car insurance rates and a licensed agent to work with. If you want to get a rate quote from a particular provider, don’t hesitate to jump over to their website and submit a quote form there.

Finding a good insurance company should depend on more than just a cheap price. Below are some questions you should ask.

Tailor your insurance coverage to you

When it comes to buying your policy for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed.Higher deductibles save money
These are some specific questions can help discover if you may require specific advice.

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Final considerations

We just covered many tips how you can get a better price on Dodge Caliber insurance in Honolulu. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even find the biggest savings come from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

Lower-priced auto insurance in Honolulu is possible both online in addition to many Honolulu insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these smaller providers sell through independent agents.

How to buy discount Dodge Caliber insurance in Honolulu

If your goal is the lowest price, then the best way to get affordable Dodge Caliber insurance is to compare quotes annually from insurance carriers who provide auto insurance in Honolulu.

  1. Gain an understanding of how companies set rates and the steps you can take to keep rates down. Many rating criteria that drive up the price like traffic violations and a bad credit score can be improved by making minor changes in your lifestyle.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while independent agents can quote rates for many different companies.
  3. Compare the new quotes to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.

The key thing to remember is to make sure you’re comparing the same amount of coverage on each price quote and and to compare as many different companies as possible. Doing this provides an accurate price comparison and and a good selection of different prices.

Additional resources