View 2004 Dodge Sprinter Cargo Car Insurance Cost

Finding affordable car insurance can seem complicated if you haven’t ever used online quotes. But don’t throw in the towel because finding affordable coverage online is easier than you think.

How to buy auto insurance online

The are a couple different ways to obtain and compare prices from many available auto insurance companies in your state. The simplest method to do a complete rate comparison is to get quotes online. This can be done by using one of the methods below.

One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do boring form submissions for each price estimate. Completing one form will get you rate comparisons instantly. It’s the fastest way to compare.

A more difficult way to compare rate quotes consists of going to each company’s website and get a separate price quote. For sake of this example, let’s assume you are doing a rate comparison from Farmers, Liberty Mutual and GMAC. You would be required to go to every website and repeatedly type in your coverage information, which is not fast way to get rate quotes.

For a list of links to companies insuring cars in your area, click here.

The old school method to get rate quotes is driving around to insurance agencies in your area. Comparing rates online has reduced the need for local agents unless you have a complicated situation and need the advice and guidance that only an agent can give. Although, it is possible compare online quotes but have a local agent actually write the policy.

It doesn’t matter which method you choose, just be sure to compare the same quote information for each quote you get. If you use higher or lower deductibles you will not be able to determine which rate is truly the best. Just a small difference in limits can make a big difference in price. It’s important to know that comparing more company’s prices gives you a better chance of getting the best rates. Some regional insurers cannot provide prices over the internet, so you need to compare quotes on coverage from those companies, too.

Discount auto insurance quotes

Car insurance companies don’t list every discount in a way that’s easy to find, so the below list has some of the best known and the harder-to-find auto insurance savings.

  • Accident Forgiveness Coverage – Not really a discount, but companies like Liberty Mutual and GEICO will forgive one accident before they charge you more for coverage as long as you don’t have any claims prior to being involved in the accident.
  • Anti-theft System – Cars with anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • E-sign Discounts</strong – Many companies give back up to $50 shop car insurance over the internet.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education as it will make them better drivers and lower rates.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 15% off the personal injury premium cost.
  • Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Discount for Swiching Early – A few auto insurance companies allow discounts for switching policies prior to your current policy expiration. You could save around 10% when you buy car insurance online.
  • Multiple Cars – Having multiple cars or trucks with the same auto insurance company can get a discount for every vehicle.
  • Bundled Policy Discount – When you have multiple policies with the same insurance company they may give you a discount of up to 20% and get you cheap car insurance.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies that may include these discounts may include but are not limited to:

When getting a coverage quote, ask every prospective company what discounts are available to you. Some of the discounts discussed earlier may not be offered in your area.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • How can I force my company to pay a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • If my pet gets injured in an accident are they covered?
  • Should I put collision coverage on all my vehicles?
  • Should I bundle my homeowners policy with my auto?
  • What happens if I owe more than my 2004 Dodge Sprinter Cargo is worth?
  • Is my 2004 Dodge Sprinter Cargo covered for smoke damage?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability coverages – This can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like loss of income, funeral expenses, repair costs for stationary objects, bail bonds and structural damage. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, a broken windshield, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision – Collision insurance will pay to fix damage to your Sprinter Cargo resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses like funeral costs, nursing services and dental work. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Be Smart and Buy Smart

We just covered a lot of tips how to get a better price on 2004 Dodge Sprinter Cargo insurance. It’s most important to understand that the more providers you compare, the better likelihood of getting cheap car insurance. Drivers may discover the best auto insurance rates are with a company that doesn’t do a lot of advertising.

Lower-priced car insurance can be sourced online and from local agencies, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies prefer to sell through independent agents.

When getting car insurance quotes online, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage for the lowest price and still be able to protect your assets.

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Comments About 2004 Dodge Sprinter Cargo Insurance

  1. Erna Pruitt

    All insurance companies are crooks.

  2. Carmon Patton

    If you don’t have tickets and live around Charlotte, NC, check out 21st Century. They seem to be cheaper. Got better coverage too.

  3. Joanna Turner

    In Rochester, NY, Progressive is a good choice. Left Erie to switch. BTW speeding tickets are not good. I quoted rates online then called them. Full coverage costs too much.

  4. Belia Neal

    Like your site, BTW. I live just to the east of Detroit, MI. Got car insurance rates from Hanover, Amica, MetLife, and a couple others for my Sprinter Cargo and saved just over $60 a year. Highly recommended.

  5. Ranee Vazquez

    Enjoyed the article. I’m in the suburbs of San Jose, CA. I compared lots of rates. Saved darn near $20 a month. State Farm was the most affordable for me. Even increased coverage a bit. Might find lower rates online. I don’t have comp or collision coverage.

  6. Dana Castro

    21st Century was cheapest for my 2004 Dodge Sprinter Cargo in Fairbanks, AK.

  7. Garry Huffman

    I live just to the west of Great Falls, MT, and Progressive rates were best. I have kids on my policy, too. Just waiting to see how claims go.

  8. Aracelis Cantrell

    Are Allstate or Allstate rates cheaper in Idaho?

  9. Angeline Hobbs

    Lifelong resident of Huntington, WV. Received quotes with State Farm, The General, and Encompass for my 2004 Dodge Sprinter Cargo and I think I am saving around $30 each month. Left Esurance to switch. Just liability coverage since it’s getting old.

  10. Margie Alexander

    If you don’t have tickets and live in the vicinity of Tacoma, Washington, check out GEICO. I saved quite a bit.

  11. Leticia Bush

    I compared a lot of rate quotes for a 2004 Dodge Sprinter Cargo in Overland Park, Kansas. Ended up at darn near $80 every six months with Auto-Owners.

  12. Emmie Waters

    I live just outside Bangor, Maine. Quoted prices online for a 2004 Dodge Sprinter Cargo. Ended up at about $120 savings annually. Went with GEICO. Insured with USAA before. Not sure about claim service. When should I drop full coverage?

  13. Debora Henson

    I live just outside Charlotte, NC. Quoted with GEICO, AIG Insurance, and Encompass for my 2004 Dodge Sprinter Cargo and saved around $90 a year. Thankfully I’m not a high risk driver. Hardly afford to drive anymore. Full coverage costs too much.

  14. Kena Dickson

    Great site. From Charleston, SC. Quoted prices from AIG Insurance, Eastwood, and Mercury for my 2004 Dodge Sprinter Cargo and cut my rates about $60 a year. I’m a pretty low risk driver. I recommend comparing lots of rates. It’s too old for full coverage.

  15. Alesia Tillman

    It’s all a rip off. I’m from New York City, NY. Got car insurance prices from Safeco, Farmers, State Farm, and AAA for my Sprinter Cargo and I’m now saving $12 a month. I get a discount for insuring multiple vehicles. :)

  16. Paola Alvarez

    Good site, thanks. Located in Springfield, Missouri. Quoted prices online for a 2004 Dodge Sprinter Cargo. Ended up at about $90 savings annually. Went with GEICO. I recommend comparing lots of rates.

  17. Luana Jensen

    Lots of useful info here. Live in Shreveport, LA. Quoted prices from Auto-Owners, MetLife, and a few others for my 2004 Dodge Sprinter Cargo and I think I cut my rates about $20 each month. I have a couple other vehicles on the policy. :)

  18. Miki Newton

    I’ve had Allstate for years. I’m in San Jose, CA.

  19. Dortha Ray

    What is comprehensive coverage?

  20. Marion Montgomery

    Just a quick comment on my experience. Went with Allstate for my 2004 Dodge Sprinter Cargo and am saving around $80 a year. Left Safeco to switch. Have a couple speeding tickets too. I recommend comparing lots of rates.