How Much Does 2008 Dodge Sprinter Cargo Insurance Cost?

Trying to find better insurance rates for your Dodge Sprinter Cargo? Having to pay for overpriced insurance can eat up your bank account and force you to prioritize other expenses. Comparing price quotes can help to tighten up your finances.

With so many different company options, it can be impossible to choose the most cost effective insurance company.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. But vehicle owners can benefit by having an understanding of how insurance companies sell insurance online and apply this information to your search.

How much is auto insurance?

Most major insurance companies allow you to get pricing on their websites. Getting quotes doesn’t take much effort as you simply enter your required coverages on the page. When the form is submitted, their quoting system requests credit information and your driving record and gives you a price quote based on many factors. This makes it a lot easier to compare rates but the time it takes to visit a lot of sites and fill out multiple forms gets old quite quickly. But it’s very important to compare as many rates as possible in order to get the best price on auto insurance.

The quickest way to compare rates requires only one form to get prices from more than one company. It’s a real time-saver, requires much less work on your part, and makes rate comparisons a little more enjoyable. Immediately after you send the form, your coverage is rated and you can select any of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. This process only takes a few minutes and you will find out if you’re overpaying now.

To find out how much you can save on auto insurance, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you duplicate the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will be getting rate quotes for similar coverage.

More discounts mean cheaper premiums

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but occassionally some discounts must be inquired about in order for you to get them.

  • 55 and Retired – Drivers over the age of 55 are able to get lower premium rates for Sprinter Cargo insurance.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Distant College Student Discount – College-age children who live away from home at college and don’t have a car may be insured at a cheaper rate.
  • Telematics Devices – Insureds that choose to allow data collection to scrutinize their driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as the data is positive.
  • Discounts for Responsible Drivers – Safe drivers may receive a discount up to 45% for Sprinter Cargo insurance as compared to drivers with claims.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy a life policy as well.
  • Air Bags and Passive Restraints – Cars that have air bags can get savings as much as 30%.
  • First Accident Forgiveness – but some insurance companies will turn a blind eye to one accident without raising rates if you have no claims for a set time period.
  • Driver Training Discounts – Completing a safe driver course can save you 5% or more and easily pay for the cost of the class.

You should keep in mind that many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any qualifying discounts will positively reduce the cost of your policy.

A list of auto insurance companies and some of the discounts are detailed below.

  • State Farm includes discounts for multiple policy, good student, good driver, Drive Safe & Save, and Steer Clear safe driver discount.
  • Nationwide may have discounts that include anti-theft, Farm Bureau membership, business or organization, good student, multi-policy, and family plan.
  • GEICO may include discounts for anti-lock brakes, multi-policy, multi-vehicle, good student, five-year accident-free, military active duty, and membership and employees.
  • AAA discounts include anti-theft, education and occupation, good driver, multi-policy, AAA membership discount, good student, and multi-car.
  • 21st Century policyholders can earn discounts including early bird, defensive driver, student driver, good student, homeowners, and theft prevention.
  • The Hartford may offer discounts for driver training, defensive driver, vehicle fuel type, air bag, good student, anti-theft, and bundle.

If you want affordable car insurance quotes, ask all companies you are considering the best way to save money. Some of the discounts discussed earlier might not be offered in every state.

It’s not one size fits all

When choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you will benefit from professional help.

  • What is PIP insurance?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving a rental car?
  • Am I covered if I drive in a foreign country?
  • Is my teenager covered with friends in the car?
  • What are the financial responsibility laws in my state?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions 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.

Specifics of your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses like pain medications, chiropractic care and dental work. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, rolling your car, backing into a parked car, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.