2007 Dodge Sprinter Insurance Rates

Overpriced Dodge Sprinter insurance can deplete your monthly budget, especially in this economy. Comparison shopping is recommended to make sure you’re not throwing money away.

Since you have so many insurance providers from which to choose, it is very difficult to pick the most cost effective company.

Pricing affordable insurance coverage is quite easy. If you have insurance now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Consumers only need an understanding of the tricks to compare price quotes online.

Don’t overlook these auto insurance discounts

Auto insurance is neither fun to buy or cheap, but you may qualify for discounts that you may not know about. A few discounts will be applied at the time of purchase, but a few need to be requested specifically before you get the savings. If you are not receiving all the discounts available, you’re just leaving money on the table.

  • Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • Distant Student Discount – Kids who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
  • Federal Government Employee – Employees or retirees of the government may reduce rates when you quote car insurance on Sprinter coverage with a few auto insurance companies.
  • One Accident Forgiven – Not really a discount, but a handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Discount for New Cars – Buying a new car model may earn a small discount because new vehicles keep occupants safer.
  • Paperwork-free – Certain larger companies may give you up to $50 get car insurance on their website.

A quick disclaimer, most discounts do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you’re out of luck.

A few popular companies and a summarized list of policyholder discounts are included below.

  • GEICO includes discounts for military active duty, emergency military deployment, membership and employees, multi-policy, defensive driver, and driver training.
  • USAA may include discounts for safe driver, annual mileage, multi-policy, military installation, multi-vehicle, and vehicle storage.
  • Progressive may have discounts that include homeowner, online signing, continuous coverage, good student, and multi-vehicle.
  • American Family discounts include TimeAway discount, good driver, air bags, mySafetyValet, defensive driver, and good student.
  • Esurance has discounts for anti-lock brakes, Switch & Save, claim free, multi-car, and emergency road assistance.
  • Farmers Insurance has savings for teen driver, good student, youthful driver, bundle discounts, and early shopping.
  • State Farm may offer discounts for student away at school, good driver, multiple policy, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, and driver’s education.

Double check with each insurance company which credits you are entitled to. Discounts may not apply to policyholders in your area. To locate companies with the best auto insurance discounts, follow this link.

Buy Dodge Sprinter insurance cheaper

Many factors are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving record, but some are more obscure like where you live or how financially stable you are.

The itemized list below are some of the most common factors used by your company to calculate your premiums.

  • The more you drive the more you pay – The higher the miles on your Dodge each year the higher your rates will be. Most companies calculate prices based on their usage. Autos that do not get driven very much receive lower rates than vehicles that have high annual mileage. Double check that your insurance coverage declarations sheet correctly shows the proper vehicle usage, because improper ratings can cost you money. An improperly rated Sprinter can result in significantly higher rates.
  • What are good liability limits? – Liability coverage kicks in if ever you are determined to be liable for damages caused by your negligence. This coverage provides you with a defense in court to defend your case. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Better drivers pay better prices – Being a careful driver has a lot to do with how much you pay for insurance. Getting just one driving citation can increase rates by as much as thirty percent. Careful drivers pay lower auto insurance prices than bad drivers. People who have serious violations such as reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 form with their state’s licensing department in order to prevent their license from being revoked.
  • File insurance coverage claims and pay more – If you are a frequent claim filer, don’t be surprised to see either a policy non-renewal or much higher rates. Companies give discounts to policyholders that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

When to get professional advice

When choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions might point out if your situation will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • Is my custom paint covered by insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my Dodge Sprinter covered if I use it for business?
  • When should I not file a claim?
  • What happens if I owe more than my 2007 Dodge Sprinter is worth?
  • When can my company non-renew my policy?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Beware of misleading insurance ads

Drivers can’t get away from ads for cheaper insurance from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim about savings if you switch your insurance coverage to their company.

How does every insurance company give you a better price?

Insurance providers have strict underwriting profiles for the right customer that will generate a profit. For instance, a driver they prefer should be over the age of 50, has other policies, and drives less than 7,500 miles a year. Anyone who fits those characteristics is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for those standards will see higher premium rates and the customer buying from a different company. The trick is to say “people who switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can make claims like that.

This illustrates why you really should get price quotes at each policy renewal. It’s impossible to know which company will provide the lowest prices.

Auto insurance coverage information

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Collision coverages – This will pay to fix damage to your Sprinter from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, driving through your garage door, colliding with a tree, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2007 Dodge Sprinter.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses like EMT expenses, nursing services, surgery, chiropractic care and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance – Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like emergency aid, bail bonds, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, a tree branch falling on your vehicle, fire damage, a broken windshield and damage from getting keyed. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Compare but don’t skimp

There are still a few companies who may not provide online rate quotes smaller companies prefer to sell through independent agencies. Discount 2007 Dodge Sprinter insurance can be sourced on the web and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. In many cases, drivers have reduced collision coverage and discovered at claim time that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

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Comments About 2007 Dodge Sprinter Insurance

  1. Luetta Phelps

    Where is cheaper car insurance? From west side of Dover, Delaware. I compared lots of rates. Saved roughly $40 a month. 21st Century was the cheapest option for me.

  2. Tabitha Cummings

    Here’s my quote info. From east side of Shreveport, LA. Quoted quotes from Allstate, Hanover, and Eastwood for my Sprinter and cut my rates about $220 a year. Left Auto-Owners to switch. Wish I didn’t have to insure at all.

  3. Agnus Henderson

    Cheapest quote for my 2007 Dodge Sprinter was with Eastwood. Insured with 21st Century before. I have several vehicles insured with them. They have free quotes online.

  4. Zada Collins

    I’m in the suburbs of Eugene, OR. I quoted with Allstate, AAA, Erie, and Hartford for my 2007 Dodge Sprinter and I’m now saving $39 a month. Left American Family to switch. Even increased coverage a bit.

  5. Ling Shannon

    I found pretty cheap rate quotes for a 2007 Dodge Sprinter in Parkersburg, WV. Ended up at about $490 every six months with AIG Insurance. Have a couple speeding tickets too.

  6. Arla Morgan

    When do I drop full coverage?

  7. Luciana Patterson

    If you have a clean record and live around Baltimore, Maryland, check out State Farm. They seem to be cheaper. Have a couple speeding tickets too. Bought it from an online quote.

  8. Cythia Wyatt

    Are 21st Century rates cheap in West Virginia?

  9. Johnny Wynn

    If you don’t have tickets and are close to Owensboro, KY, check out 21st Century. They seem to be cheaper. Just go online and compare their rates.

  10. Margherita Kim

    I live in Miami, FL. Got free quotes online for a 2007 Dodge Sprinter. Ended up at about $230 savings annually. Went with Progressive. Highly recommended.