Compare 2004 Dodge Sprinter Insurance Rates

Did you make the mistake of buying overpriced insurance coverage? Believe me, many consumers feel financially strained by their insurance coverage policy.

Since consumers have many companies and agents to choose from, it can be challenging to find the lowest cost insurance company.

You should make it a habit to get comparison quotes quite often because rates are adjusted regularly by insurance companies. If you had the best deal on Sprinter insurance six months ago you can probably find a lower rate today. There are a lot of ways to save on insurance coverage online, but in this article, you’re going to get some solid techniques on how to stop overpaying for insurance.

Cheapest insurance price quotes

Effectively comparing insurance prices can be a lot of work if you don’t utilize the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

Many insurance companies belong to a marketplace that enables customers to enter their policy data once, and each participating company then gives them pricing based on that data. This eliminates the need for form submissions to each individual insurance company. To compare pricing click here to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose the companies you want to price. So if you want to select from a list of companies to compare rates, we have assembled a list of low cost insurance companies in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using identical coverages and limits on every price quote you get. If you enter different limits and deductibles on each one you will not be able to truly determine the lowest rate. Slightly different coverages may cause a big price difference. And when price shopping your coverage, comparing a wide range of rates provides better odds of finding a better price.

Can you really save that much by switching?

Big name companies like State Farm and Allstate seem to constantly run television and radio advertisements. All the ads have a common claim that drivers can save some big amount if you change your insurance coverage policy to them. How can each company make almost identical claims? Here is how they do it.

Many companies quote their cheapest rates for the type of driver that will not have excessive claims. An example of this type of insured might be described as between the ages of 30 and 45, has no prior claims, and drives a car with an anti-theft system. Any new insured who matches those parameters will get the preferred premium rates and have a good chance to cut their rates substantially.

Insureds who fall short of this stringent profile will see higher prices and this results in the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” but not “everyone who gets a quote” save that much. That’s the way insurance companies can make claims like that.

Each company has different criteria, so you really need to get price quotes at each policy renewal. It is impossible to guess the company that will have the lowest rate quotes.

The Dodge Sprinter insurance price equation

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your premiums. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that may result in lower premium levels.

  • Don’t cancel your coverage without a new one in place – Letting your insurance expire will be a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage could earn you a hefty fine and possibly a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Drivers with responsible credit save – Having a bad credit rating can be an important factor in determining what you pay. Consumers who have high credit scores tend to be better risks to insure than drivers with poor credit scores. So if your credit score could use some work, you may save money insuring your 2004 Dodge Sprinter by spending a little time repairing your credit.
  • Keep policy claims to a minimum – Car insurance companies generally give the best rates to drivers who are not frequent claim filers. If you file a lot of claims you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Pay less with a high NHTSA crash test rating – Cars with high safety ratings get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less money paid by your insurance company which can mean better rates for you. If the Dodge Sprinter has at least four stars on Safercar.gov you are probably receiving a discount.
  • Your age impacts your rates – Mature drivers are viewed as being more responsible, cost insurance companies less in claims and are safer drivers.Youthful drivers tend to be more careless with other occupants in the car therefore auto insurance rates are much higher.

Use discounts on auto insurance

Auto insurance can be pricey, but there may be some discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be asked for before they will apply. If you aren’t receiving every discount available, you are throwing money away.

  • Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • E-sign Discounts – Certain insurance companies provide a small discount get insurance coverage on their website.
  • Drive Less and Save – Driving fewer miles can earn lower prices due to less chance of an accident.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill and easily pay for the cost of the class.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off the medical payments premium.
  • Life Insurance Discount – Larger insurance carriers have a break if you buy life insurance.
  • Discount for Multiple Policies – If you combine your home and auto policies and insure them with the same company you could save at least 10% off all policies.

One last thing about discounts, most discount credits are not given to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

Popular auto insurance companies and the discounts they provide are shown below.

  • Esurance offers discounts for homeowner, anti-theft, DriveSense, Switch & Save, and Pac-12 alumni.
  • The Hartford may have discounts that include bundle, good student, air bag, vehicle fuel type, and defensive driver.
  • AAA policyholders can earn discounts including good student, pay-in-full, AAA membership discount, good driver, and multi-car.
  • GEICO offers premium reductions for good student, daytime running lights, multi-vehicle, anti-theft, defensive driver, five-year accident-free, and military active duty.
  • State Farm may offer discounts for good driver, anti-theft, defensive driving training, safe vehicle, multiple policy, and Drive Safe & Save.

When comparing rates, check with each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. To see a list of providers who offer auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you could use an agent’s help.

  • What is the ISO rating for a 2004 Dodge Sprinter?
  • Do I need special endorsements for business use of my vehicle?
  • Am I insured when driving a different vehicle?
  • Does medical payments coverage apply to all occupants?
  • Do I need roadside assistance coverage?
  • Should I carry comprehensive and collision coverage?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance policy specifics

Having a good grasp of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Sprinter.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage can cover damage that occurs to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, court costs, legal defense fees, structural damage and attorney fees. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, damage from flooding and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, hitting a parking meter, colliding with a tree, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like chiropractic care, pain medications, X-ray expenses, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

In Summary

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. In too many instances, an insured cut physical damage coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

In this article, we covered a lot of tips how to lower your 2004 Dodge Sprinter insurance prices. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Much more information about car insurance is available at the links below