Compare 2009 Dodge Sprinter Insurance Quotes

Looking for lower auto insurance rates for your Dodge Sprinter? Finding low-cost insurance for a new or used Dodge Sprinter can turn out to be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to shop for auto insurance and we’ll show you the best way to compare rates on a Dodge and locate the lowest price.

If you are insured now or are just looking to switch companies, you can use these techniques to find the best rates while maintaining coverages. Buying cheaper protection is quite easy. Vehicle owners only need an understanding of the proper way to get comparison rates online.

Do you qualify for discounts?

Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. Some trigger automatically when you quote, but lesser-known reductions have to be asked for before you will receive the discount.

  • E-sign – Certain insurance coverage companies will provide an incentive for completing your application on the internet.
  • Save over 55 – If you qualify as a senior citizen, you can get a slight reduction on a car insurance quote for Sprinter coverage.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.
  • Accident-Free Discounts – Good drivers with no accidents can save substantially in comparison to policyholders that have many claims.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off the PIP or medical payment premium.

Discounts lower rates, but most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you could get a free insurance coverage policy, you won’t be that lucky.

A list of companies and a selection of discounts can be found below.

  • Progressive offers discounts for online quote discount, online signing, multi-vehicle, continuous coverage, and homeowner.
  • Farmers Insurance policyholders can earn discounts including mature driver, pay in full, electronic funds transfer, distant student, and business and professional.
  • Farm Bureau discounts include driver training, good student, youthful driver, 55 and retired, safe driver, multi-policy, and renewal discount.
  • State Farm includes discounts for student away at school, good student, accident-free, anti-theft, Steer Clear safe driver discount, and multiple autos.
  • GEICO has discounts for defensive driver, air bags, military active duty, multi-policy, and daytime running lights.
  • SAFECO may include discounts for homeowner, accident prevention training, anti-lock brakes, bundle discounts, multi-car, and teen safety rewards.
  • Liberty Mutual may offer discounts for preferred payment discount, safety features, multi-policy, good student, multi-car, and newly married.

If you are trying to find low cost car insurance quotes, ask all the companies how you can save money. Some discounts listed above might not be offered in your state.

How insurance providers determine Dodge Sprinter insurance prices

The best way to find cheaper insurance coverage is to take a look at the factors that go into determining your policy premiums. When you understand what influences your rates, this allows you to make good choices that can help you get cheaper rates.

  • Premiums impacted by your city – Being located in a rural area can save you money when insuring your vehicles. City drivers have more traffic problems and more severe claims. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims
  • Safer cars save money – Cars with high safety ratings tend to be cheaper to insure. Safer cars reduce injuries and fewer injuries means less claims paid and lower rates for you. If the Dodge Sprinter scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Rates can drop if you have more than one policy – Most larger insurance companies will give discounts to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to ten percent or more. Even with this discount applied, it’s still a good idea to check prices from other companies to help ensure you have the lowest rates.
  • How your age affects prices – Teen drivers are statistically shown to be easily distracted behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a teenage driver onto a policy can be very expensive. Older drivers are more cautious drivers, cost insurance companies less in claims and get fewer tickets.

Don’t assume everyone needs the same insurance coverage coverage

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions could help you determine if your situation would benefit from professional advice.

  • Do I need an umbrella policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When can my company non-renew my policy?
  • Do I need motorclub coverage?
  • Do all my vehicles need collision coverage?
  • Is pleasure use cheaper than using my 2009 Dodge Sprinter to commute?
  • Should I buy full coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Advertising myths

Consumers can’t escape the ads that claim the cheapest car insurance rates from companies such as State Farm, GEICO and Progressive. They all seem to say the same thing that people will save if you switch your auto insurance policy to them.

It sounds good, but how can they all make almost identical claims? This is the trick they use.

Auto insurance companies quote their best rates for the type of customer that will generate a profit. For example, a profitable customer may be between the ages of 40 and 55, has few claims, and drives less than 5,000 miles a year. Any new insured who matches those parameters gets the lowest premium rates and as a result will probably save quite a bit of money when switching.

Drivers who cannot meet the requirements may be forced to pay higher rates which leads to the customer buying from a different company. If you pay attention, the ads say “people that switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently advertise the way they do. Different companies use different criteria so you really should do a rate comparison at every renewal. It is impossible to predict with any certainty which company will fit your personal profile best.

Car insurance policy specifics

Understanding the coverages of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Sprinter.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, vandalism, hail damage and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – Liability coverage can cover damage or injury you incur to other people or property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as attorney fees, medical services, court costs and pain and suffering. How much coverage you buy is your choice, but buy as large an amount as possible.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, pain medications, surgery, dental work and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision – This pays for damage to your Sprinter resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Make an honest buck

When you buy car insurance online, make sure you don’t buy poor coverage just to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest price.

Insureds leave their current company for a variety of reasons including being labeled a high risk driver, policy cancellation, lack of trust in their agent and even questionable increases in premium. Regardless of your reason, switching auto insurance companies can be pretty painless.

We covered a lot of tips how to compare 2009 Dodge Sprinter insurance rates online. The key thing to remember is the more providers you compare, the better your chances of lowering your car insurance rates. You may be surprised to find that the lowest rates come from the least-expected company.

Additional auto insurance information can be found at the links below