2005 Dodge Sprinter Cargo Insurance Cost

Want better insurance rates for your Dodge Sprinter Cargo? Trying to come up with a payment for expensive insurance can deplete your personal savings and possibly require you to analyze your spending habits. Doing a rate comparison is an excellent way to make sure you’re not throwing money away.

Vehicle owners have so many car insurance companies to insure vehicles with, and even though it’s nice to be able to choose, too many choices makes it more difficult to locate the cheapest rates.

Smart consumers take time to do rate comparisons before your policy renews because insurance prices fluctuate regularly. Just because you had the lowest rate on Sprinter Cargo coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to show you how to quote online to reduce your cost while increasing coverage.

Smart choices result in lower insurance prices

When buying auto insurance it’s important to understand some of the factors that help calculate the rates you pay for auto insurance. If you know what determines premiums, this enables informed choices that can help you get big savings. Lots of things are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but some are not as apparent like your vehicle usage or how safe your car is.

• Where do you drive? – Driving a lot of miles every year the more it will cost to insure it. Many insurance companies apply a rate partially by how you use the vehicle. Autos that do not get driven very much receive better premium rates compared to those used for work or business. A policy that improperly rates your Sprinter Cargo can cost quite a bit. It’s always a good idea to double check that your policy shows the correct driver usage.
• Vehicles with better crash test results cost less to insure – Safe vehicles cost less to insure. These vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums. If your Dodge has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Marriage discount – Having a spouse can actually save you money when shopping for auto insurance. It may mean you are less irresponsible it has been statistically shown that drivers who are married are more cautious.
• High premiums for teen drivers – Inexperience drivers are proven to be inattentive and easily distracted in a vehicle so they pay higher auto insurance rates. If you’ve ever had to add a teen driver onto your auto insurance can cause a big jump in price. Older people are more cautious drivers, file fewer claims and get fewer tickets.

Discount insurance coverage quotes

Insurance coverage is not cheap nor is it fun to buy but you might already qualify for some discounts to help offset the cost. Certain discounts will be applied when you get a quote, but some discounts are required to be specifically requested before they will apply.

• Renewal Discounts – A few insurance companies give discounts for buying a new policy before your current policy expires. It could save around 10% when you buy auto insurance online.
• Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it can save substantially.
• Low Mileage Discounts – Driving less could earn slightly better premium rates than normal.
• Employee of Federal Government – Simply working for the federal government can save as much as 8% on Sprinter Cargo coverage with certain companies.
• Auto/Life Discount – Select insurance carriers reward you with a break if you buy life insurance from them.
• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.

Discounts reduce rates, but you should keep in mind that most credits do not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that you could get a free insurance coverage policy, you aren’t that lucky. But all discounts will lower the amount you pay for coverage.

For a list of insurance coverage companies that offer many of these discounts, click this link.

Auto insurance in the media

Popular auto insurance providers such as Allstate, Geico and Progressive seem to constantly run ads on television and other media. They all state the claim that people will save after switching your coverage. How can each company say the same thing? It’s all in how they say it.

Insurance providers have a preferred profile for the type of customer that will most likely be profitable. A good example of a profitable customer may be between the ages of 30 and 45, has other policies, and does not commute to work. A customer getting a price quote that meets those criteria will get very good premium rates and will probably save some money.

People who do not meet these criteria may be forced to pay higher prices which usually ends up with the customer buying from someone else. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can make claims like that. This illustrates why you absolutely need to do a quote comparison often. It is impossible to guess which insurance companies will provide you with the cheapest prices.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover whether you might need professional guidance.

• Is my ex-spouse still covered by my policy?
• If my 2005 Dodge Sprinter Cargo is totaled, can I afford another vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my nanny covered when driving my vehicle?
• Where can I get insurance after a DUI in my state?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my Dodge Sprinter Cargo covered if I use it for business?
• Do I really need UM/UIM coverage?
• Do I need replacement cost coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverages 101

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims such as court costs, funeral expenses and emergency aid. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured or underinsured coverage – This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Dodge Sprinter Cargo.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive protection – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane, hail damage, theft and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your Sprinter Cargo from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, EMT expenses 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. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Smart shoppers get results

In this article, we presented a lot of information how to get a better price on 2005 Dodge Sprinter Cargo insurance. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. Consumers may even find the lowest priced insurance coverage comes from an unexpected company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.

Cheaper insurance coverage can be bought online in addition to local insurance agencies, so you should compare both to have the best selection. A few companies may not have rate quotes online and usually these small insurance companies only sell through independent agencies.

Other information

• Red Light Cameras (State Farm)
• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)
• Collision Coverage (Liberty Mutual)
• Teen Driver Licensing Information (iihs.org)