2003 Dodge Sprinter Cargo Car Insurance Quotes

Looking for cheaper auto insurance rates for your Dodge Sprinter Cargo? Finding a different company that has cheaper insurance coverage can be a challenge if you are someone who has never done online quotes. But don’t surrender to high rates because finding lower quotes is easier than you think.

Smart consumers take time to quote other rates before your policy renews because rates fluctuate regularly. Just because you found the lowest rate on Sprinter Cargo insurance on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because we’re going to demonstrate the tricks you need to know to eliminate unnecessary coverages and save money.

How car insurance companies calculate Dodge Sprinter Cargo insurance premiums

It’s important that you understand the factors that play a part in calculating the rates you pay for car insurance. When you understand what determines premiums, this enables informed choices that may result in lower premium levels.

  • Occupation stress can affect premiums – Do you have a high-stress occupation? Occupational choices like real estate brokersair traffic controllers and accountants usually pay higher premium rates attributed to intense work-related stress and extremely grueling work hours. On the other hand, careers like professors, athletes and homemakers generally pay rates lower than average on Sprinter Cargo insurance.
  • Tickets increase prices – Good drivers pay lower auto insurance prices than people who have multiple driving citations. Having a single ticket can bump up the cost to the point where it’s not affordable. Drivers who have received multiple tickets like DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 form with their state motor vehicle department in order to legally drive a vehicle.
  • Safety ratings are a factor – Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Sprinter Cargo scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Gender is a factor – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. They both cause auto accidents at about the same rate, but the male of the species get into accidents with more damage. Not only that, but men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 have the highest risk to insure and therefore have the most expensive car insurance rates.
  • Alarm systems systems cut rates – Selecting a car model with an alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.
  • Low physical damage deductibles cost more – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Dodge. A few examples of covered claims are a broken side mirror, damage caused by hail, and burglary. Deductibles for physical damage are how much the insured will be required to pay before a claim is paid by your company. The more money the insured has to pay upfront, the lower your rates will be on Sprinter Cargo insurance.

The best way to compare policy rates is to understand most of the larger companies actually pay money for the chance to give rate comparisons. To get started, all you need to do is give them rating details including level of coverage desired, an estimate of your credit level, if you have a valid license, and the ages of drivers. Your details is then submitted to multiple companies and they return quotes very quickly.

Do you qualify for discount insurance coverage?

The cost of insuring your cars can be expensive, but you may be missing some discounts that could help you make your next renewal payment. Many discounts should be triggered when you get a quote, but a few must be specifically requested before you will receive the discount. If you do not double check each discount available, you are just wasting money.

  • Discounts for Good Drivers – Safe drivers could pay up to 40% less on Sprinter Cargo insurance than their less cautious counterparts.
  • Professional Organizations – Being in qualifying clubs or civic groups could trigger savings when getting a insurance coverage quote.
  • Early Payment Discounts – By making one initial payment instead of making monthly payments you can avoid the installment charge.
  • Renewal Discounts – A few companies allow discounts for buying a new policy early. It’s a savings of about 10%.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
  • Own a Home – Simply owning a home may trigger a policy discount on insurance coverage because maintaining a house shows financial diligence.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will definitely lower the amount you pay for coverage.

A list of insurance coverage companies and a selection of discounts are outlined below.

  • GEICO has savings for multi-policy, anti-lock brakes, defensive driver, emergency military deployment, and membership and employees.
  • SAFECO may offer discounts for drive less, safe driver, teen safe driver, homeowner, anti-theft, accident prevention training, and multi-car.
  • State Farm has discounts for Steer Clear safe driver discount, Drive Safe & Save, accident-free, driver’s education, good driver, student away at school, and safe vehicle.
  • MetLife may include discounts for accident-free, good student, defensive driver, good driver, multi-policy, claim-free
  • 21st Century offers premium reductions for student driver, defensive driver, good student, early bird, 55 and older, and anti-lock brakes.
  • Progressive includes discounts for good student, continuous coverage, homeowner, online quote discount, multi-vehicle, and multi-policy.

When quoting, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not be offered in your area. If you would like to view providers with discount insurance coverage rates, follow this link.

What insurance coverages do I need?

When choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help highlight whether your personal situation could use an agent’s help.

  • Are split liability limits better than a combined single limit?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I make deliveries for my home business?
  • Is my ex-spouse still covered by my policy?
  • Should I get collision insurance on every vehicle?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability coverages – Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, attorney fees and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Sprinter Cargo.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – This will pay to fix damage to your Sprinter Cargo from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, hitting a bird, hitting a deer, falling objects and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like hospital visits, surgery, EMT expenses, dental work and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

More comparisons equals lower rates

In this article, we presented many ways to shop for 2003 Dodge Sprinter Cargo insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates are with an unexpected company.

When getting insurance coverage quotes online, do not reduce coverage to reduce premium. There are many occasions where an insured cut full coverage only to regret at claim time they didn’t have enough coverage. Your objective should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Lower-priced insurance coverage is definitely available on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not have the ability to get a quote online and usually these small, regional companies sell through independent insurance agents.

More detailed insurance coverage information can be found by following these links:

Comments About 2003 Dodge Sprinter Cargo Insurance

  1. Soraya Miles

    Just my two cents. I live just outside Idaho Falls, Idaho. I quoted with GEICO, Auto-Owners, and Encompass for my Dodge and I think I saved about $30 each month. Was with USAA. Have an at-fault accident tho. I got a quote from their website.

  2. Jannie Fitzgerald

    Live in Tacoma, WA. Got prices from AAA, Nationwide, and some smaller one I can’t remember the name of for my 2003 Dodge Sprinter Cargo and I think I saved about $30 each month. They have a lot of discounts available.

  3. Kiersten Ferguson

    Liked the article. Went with State Farm for my 2003 Dodge Sprinter Cargo and cut my rates about $100 a year. Was with Sentry. I only have liability coverage on it.

  4. Tyrell Erickson

    Will 21st Century cancel if I have a claim?

  5. Antione Dejesus

    Got a quote with USAA for my Dodge and saved about $120 a year. I get lower rates because of my clean driving record. Just waiting to see how claims go.

  6. Elfriede Townsend

    From northwest of Charlotte, NC. Quoted rates from Allstate, The General, and Eastwood for my 2003 Dodge Sprinter Cargo and I think I saved about $20 each month. Just waiting to see how claims go. I don’t have comp or collision coverage.

  7. Olene Ferguson

    If you have a good history and live in the vicinity of Augusta, GA, check out Progressive. They seem to be cheaper. Good savings if you bundle. I used their online quote form to compare rates. Book value doesn’t justify full coverage anymore.

  8. Tyson Talley

    Here’s my quote info. From northwest of Milwaukee, WI. I don’t recall every quote but I ended up saving about $20 each month. I even had a DUI years ago. Can still barely afford it. Not worth enough to pay for comprehensive and collision.

  9. Inga Mcpherson

    From a town just southwest of Cincinnati, Ohio. Quoted quotes with The General, AAA, Safeco, and a couple others for my 2003 Dodge Sprinter Cargo and saved just over $70 a year. Insured with AAA before. You can get a rate quote online. Anyone else drop full coverage?

  10. Chara Riddle

    I live just to the east of Detroit, MI. Quoted quotes with AIG Insurance, Encompass, and Safeco for my Dodge and saved just over $110 a year.

  11. Renae Jarvis

    Progressive and State Farm had the best prices I found in Delaware.