Cheap 2003 Dodge Sprinter Cargo Insurance Cost

Trying to find better insurance coverage rates for your Dodge Sprinter Cargo? Being forced to pay for overpriced insurance coverage premiums can deplete your funds and possibly require postponing other expenditures. Insurance companies such as State Farm and GEICO all claim big savings, bombarding you with advertising and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

Smart consumers take time to check insurance coverage prices occasionally because rates change frequently. Despite the fact that you may have had the lowest rate for Sprinter Cargo insurance at your last renewal you will most likely find a better price today. There are a lot of ways to save on insurance coverage online but you can learn a lot of great tips on how to lower your insurance coverage bill.

If you have a current auto insurance policy or need a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to understand the most effective way to compare prices online.

Why informed consumers pay less for Dodge Sprinter Cargo insurance

Many different elements are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, but some are less obvious like your continuous coverage and annual miles driven.

  • Liability coverage limits should be high – Liability insurance provides coverage if ever a jury decides you are liable for damages from an accident. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Teen drivers cost more – Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims , and are generally more financially stable.Youthful drivers are proven to get distracted easily when driving so they pay higher car insurance rates.
  • Gender impacts prices – Over time, data shows females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Men and women are responsible for accidents in similar numbers, but the male of the species tend to have more serious accidents. Not only are claims higher, but men receive more costly citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore have the most expensive car insurance rates.
  • Your location is a factor – Residing in smaller towns and rural areas of the country has definite advantages when shopping for auto insurance. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have to deal with congested traffic and much longer commute distances. Spending more time driving means more chances of being involved in an auto accident.
  • Drivers with responsible credit save – Credit history is a big factor in determining your rates. If your credit history can use some improvement, you could pay less to insure your 2003 Dodge Sprinter Cargo by taking the time to improve your credit score. People that have good credit tend to be better drivers and file fewer claims than those with lower credit scores.
  • Do you need those extra coverages? – There are many optional add-on coverages that can waste your money if you don’t pay attention. Insurance for things like rental car reimbursement, accidental death, and membership fees could be just wasting money. They may seem like a good idea initially, but now you might not need them so remove them and pocket the money.
  • Alarm systems save money – Choosing a vehicle with advanced anti-theft systems can get you a discount on your car insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft and help lower rates.

Get affordable auto insurance with discounts

Companies do not list every possible discount in an easy-to-find place, so the list below gives a summary of both well-publicized as well as the least known credits available to bring down your rates.

  • Club Memberships – Participating in a qualifying organization could trigger savings on auto insurance.
  • College Student Discount – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Defensive Driver Discounts – Completing a course that instructs on driving safety could cut 5% off your bill if you qualify.
  • Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save a little on the medical payments or PIP coverage costs.
  • Anti-lock Brake System – Cars with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
  • New Car Discount – Buying a new car instead of a used car can save you some money because new vehicles have to meet stringent safety requirements.
  • No Charge for an Accident – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident before they charge you more for coverage with the catch being you have to be claim-free for a certain period of time.
  • Good Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% for Sprinter Cargo insurance than drivers with accident claims.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, you aren’t that lucky.

Some of the insurance companies that may have these money-saving discounts are:

If you need lower rates, check with each company which credits you are entitled to. Some discounts may not apply in your area. To find insurance companies with significant discounts, click here to view.

Big names are not always cheapest

Consumers can’t escape the ads for cheaper insurance coverage by 21st Century, Allstate and State Farm. They all seem to advertise claims that you can save if you just switch your insurance coverage coverage to their company.

How can each company have lower policy pricing? This is the trick they use.

Different companies provide the lowest rates for the type of customer that earns them a profit. A good example of a desirable risk might have to be a mature driver, owns a home, and insures a new vehicle. Any person that hits that “sweet spot” will get very good rates and will most likely save when they switch companies.

Potential insureds who are not a match for the requirements must pay higher premiums with the end result being the driver buying from a lower-cost company. The ad wording is “people who switch” not “everyone that quotes” will save that much if they switch. That’s why companies can lure you into getting a quote.

This really illustrates why it’s extremely important to get a wide range of price quotes. You cannot predict which insurance coverage company will have the lowest rate quotes.

Tailor your insurance coverage to you

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Can my babysitter drive my car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my camper covered by my car insurance policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is the minimum liability in my state?
  • When can my company non-renew my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, hitting a bird, fire damage, vandalism and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, loss of income, court costs and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your Sprinter Cargo resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Sprinter Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like chiropractic care, ambulance fees and dental work. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

More affordable auto insurance is possible both online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online rate quotes and usually these regional carriers sell through independent insurance agencies.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. Too many times, an insured dropped liability coverage limits only to discover later they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

We just covered some good ideas how you can reduce 2003 Dodge Sprinter Cargo insurance car insurance rates online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the most savings is with the smaller companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

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