How Much Does 2008 Dodge Sprinter Car Insurance Cost?

Are you kicking yourself for buying high-priced insurance coverage? Say no more because many consumers feel financially strained by their insurance coverage policy.

Insurance companies such as Allstate and Progressive all claim big savings, bombarding you with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Cheaper rates with discounts

Some providers don’t necessarily list every possible discount in an easy-to-find place, so the below list has some of the more common and the harder-to-find credits available to bring down your rates. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

• First Accident Forgiveness – Not really a discount, but some insurance companies permit an accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
• Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
• Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction on Sprinter coverage but check with your company.
• Senior Discount – Drivers that qualify as senior citizens can possibly qualify for reduced rates on Sprinter coverage.
• College Student Discount – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
• Pay Early and Save – By making one initial payment instead of making monthly payments you could save up to 5%.
• Discount for Low Mileage – Driving fewer miles could be rewarded with lower rates due to less chance of an accident.
• Discount for Passive Restraints – Options like air bags can qualify for discounts of 20 to 30 percent.
• Seat Belts Save more than Lives – Requiring all passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
• Data Collection Discounts – Drivers who agree to allow data collection to track vehicle usage by using a telematics device such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

• Geico offers discounts for good student, five-year accident-free, multi-vehicle, anti-lock brakes, air bags, and daytime running lights.
• Travelers may include discounts for good student, student away at school, payment discounts, driver training, new car, save driver, and IntelliDrive.
• Nationwide may have discounts that include anti-theft, family plan, business or organization, easy pay, multi-policy, good student, and Farm Bureau membership.
• Farmers Insurance includes discounts for alternative fuel, business and professional, electronic funds transfer, bundle discounts, distant student, early shopping, and pay in full.
• Esurance policyholders can earn discounts including online shopper, online quote, claim free, paid-in-full, and renters.
• State Farm has savings for driver’s education, anti-theft, good driver, multiple policy, Steer Clear safe driver discount, and safe vehicle.
• Progressive may offer discounts for homeowner, good student, online signing, multi-policy, online quote discount, multi-vehicle, and continuous coverage.
• Mercury Insurance offers premium reductions for location of vehicle, ease of repair, accident-free, anti-theft, and type of vehicle.

If you need inexpensive insurance coverage quotes, ask every company how you can save money. Discounts may not apply to policies in every state. If you would like to choose from a list of car insurance companies who offer discounts, click here to view.

How to find low cost auto insurance

The majority of larger companies allow you to get prices from their websites. Getting online quotes is easy for anyone as all you need to do is type in your required coverages as requested by the quote form. Once entered, the company’s rating system sends out for reports for credit and driving violations and generates a price based on the data you entered. Online price quotes makes comparing rates easy, but the time required to go to different websites and type in the same data can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you want to find the lowest price.

The better way to compare rates

A more efficient way to get multiple rate quotes utilizes a single form to get prices from several companies at one time. The form is fast, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, it is quoted and you are able to buy your choice of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out how much you can save on auto insurance, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you input the insurance coverages exactly as shown on your declarations page. Doing this guarantees you will be getting rate quotes based on identical coverages.

How to lower your insurance premiums

Lots of things are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, although some other factors are more obscure like where you live or how safe your car is.When buying insurance coverage it’s important to understand some of the factors that play a part in calculating the rates you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower insurance coverage prices.

• Good credit means lower prices – Your credit rating is likely to be a major factor in determining what you pay. People that have good credit tend to file fewer claims and have better driving records than drivers with bad credit. Therefore, if your credit history is lower than you’d like, you could save money insuring your 2008 Dodge Sprinter if you improve your credit rating.
• Cheaper rates after marriage – Having a significant other actually saves money compared to being single. Having a significant other translates into being more stable financially and statistics show married couples file fewer claims.
• If you don’t need it don’t buy it – Insurance companies have many extra coverages that can waste your money when buying insurance coverage. Add-on coverages like coverage for rental cars, accidental death, and extra life insurance coverage may not be needed and are just wasting money. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Expect high rates for teens – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.Drivers with little experience tend to be inattentive and easily distracted when behind the wheel so they pay higher insurance coverage rates.
• Drive fewer miles and save – The more miles you rack up on your Dodge annually the higher the price you pay to insure it. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. Having the wrong rating on your Sprinter may be costing you. Double check that your insurance coverage coverage shows the right rating data.
• Location can affect price – Having an address in a rural area is a positive aspect when insuring your vehicles. Fewer drivers on the road means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas have more traffic problems and longer commute times. The longer drive time means more chances of being involved in an auto accident.

What is the best auto insurance coverage?

When it comes to choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you would benefit from an agent’s advice.

• What is UM/UIM insurance?
• How high should my medical payments coverage be?
• Am I insured when driving a different vehicle?
• Is my cargo covered for damage or theft?
• Does having multiple vehicles earn me a discount?
• Do I have coverage when making deliveries for my home business?
• Does car insurance cover theft of personal property?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage and rock chips in glass. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage will cover damage that occurs to other people or property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, attorney fees, pain and suffering, funeral expenses and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Sprinter.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like surgery, funeral costs, nursing services and EMT expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, hitting a parking meter and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Better coverage you can count on

You just read a lot of tips how to lower your 2008 Dodge Sprinter insurance car insurance rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. You may be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

Much more information about insurance coverage can be read at the links below

• Vehicle Insurance in the U.S. (Wikipedia)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• What is a Telematics Device? (Allstate)
• Frontal Crash Tests (iihs.org)