2007 Dodge Sprinter Cargo Car Insurance Cost

Locating the cheapest insurance for a Dodge Sprinter Cargo can normally be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to shop for auto insurance so you’re going to learn the quickest way to price shop coverage for a new or used Dodge and obtain the lowest possible price either online or from local insurance agents.

It is always a good idea to do rate comparisons periodically because insurance prices are rarely the same from one policy term to another. Even if you got the best deal for Sprinter Cargo insurance last year other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to learn the proper way to save money, get proper coverage and the best rates.

Get lower-cost insurance quotes with discounts

Insuring your fleet can be pricey, but you may be missing some discounts that can drop the cost substantially. Certain credits will be shown at the time you complete a quote, but occassionally some discounts must be inquired about prior to getting the savings.

• Lower Rates for Military – Having an actively deployed family member could qualify you for better premium rates.
• Distant Student Discount – Youth drivers who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.
• Student Discount for Driver Training – Have your child take driver’s ed class in school.
• Early Signing – Select insurance companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
• ABS Brakes – Vehicles with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
• Telematics Data – People who choose to allow driving data collection to analyze driving patterns by using a telematics device such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
• Good Driver Discount – Drivers without accidents can pay as much as 50% less for Sprinter Cargo insurance compared to rates paid by drivers with frequent claims.
• Defensive Driver Discount – Successfully completing a class that teaches driver safety techniques could possibly earn you a 5% discount and easily pay for the cost of the class.

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

The best insurance companies and a summarized list of policyholder discounts are shown below.

• Progressive includes discounts for multi-vehicle, good student, multi-policy, online quote discount, continuous coverage, homeowner, and online signing.
• Farmers Insurance discounts include early shopping, switch companies, teen driver, homeowner, pay in full, alternative fuel, and multi-car.
• Farm Bureau policyholders can earn discounts including youthful driver, driver training, good student, safe driver, multi-vehicle, and multi-policy.
• State Farm offers discounts including passive restraint, student away at school, good driver, Steer Clear safe driver discount, and driver’s education.
• Geico may have discounts that include air bags, anti-theft, membership and employees, emergency military deployment, military active duty, and anti-lock brakes.
• SAFECO has savings for teen safety rewards, multi-car, anti-theft, anti-lock brakes, bundle discounts, accident prevention training, and homeowner.
• Liberty Mutual may offer discounts for safety features, newly retired, new move discount, newly married, new vehicle discount, and teen driver discount.

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area.

Affordable car insurance rate quotes

Most larger insurance companies allow you to get pricing direct online. Doing online price comparisons is very simple as all you need to do is type in your required coverages as detailed in the form. After you submit the form their rating system automatically orders your driving and credit reports and provides a quote based on the data you entered.

This helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same data is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes in order to get better car insurance pricing.

There is a better way to compare rates

A less time-consuming method to lower your car insurance bill is to use a quote form that gets price quotes from several companies at one time. It saves time, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After sending the form, it gets priced with multiple companies and you can pick your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

In order to find out how much you can save on car insurance, click here and fill out the form. To compare your current rates, we recommend you type in the coverages identical to your current policy. Doing this guarantees you’re receiving rate quotes for similar insurance coverage.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

• How can I force my company to pay a claim?
• Are rental cars covered under my policy?
• How much liability coverage do I need in my state?
• Does my personal policy cover me when driving out-of-state?
• Do I need higher collision deductibles?
• Am I covered when driving a rental car?
• Why do I need rental car insurance?
• I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Car insurance coverage basics

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for funeral costs, dental work, nursing services and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, vandalism, a broken windshield and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants 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. This is the reason having UM/UIM coverage is a good idea.

Liability coverages

This will cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims like court costs, loss of income, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Knowledge is power

We just covered a lot of information how to get a better price on 2007 Dodge Sprinter Cargo insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from the smaller companies.

Drivers switch companies for a number of reasons such as not issuing a premium refund, unfair underwriting practices, delays in responding to claim requests or lack of trust in their agent. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

More learning opportunities

• Five Mistakes to Avoid (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• What is Full Coverage? (Allstate)