2003 Dodge Sprinter Cargo Insurance Cost – 6 Tips for Cheaper Prices

Finding better insurance prices for a Dodge Sprinter Cargo can be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to buy insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Dodge and obtain the lowest possible price from both online companies and local agents.

It’s a great practice to price shop coverage at least once a year since rates change quite often. Just because you found the best deal on Sprinter Cargo insurance on your last policy there may be better deals available now. There is a lot of bad advice regarding insurance online, so with this article, you’re going to get the easiest ways to stop overpaying for insurance.

If you are insured now or need a new policy, you will benefit by learning to find better prices while maintaining coverages. Buying more affordable protection can be fairly easy. Vehicle owners just need to understand the tricks to get comparison rates online.

Compare Auto Insurance Today

Finding a lower price on 2003 Dodge Sprinter Cargo insurance is actually quite simple. You just need to spend a few minutes on the computer comparing rate quotes from different insurance companies. This can be done in a couple of different ways.

Probably the best way to get quotes would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do separate quotation requests for every auto insurance company. Filling out one form will get you price quotes from several companies. This is perfect if you don’t have a lot of time.

A more difficult way to analyze rates is to take the time to go to each company website to complete a price quote. For example, let’s assume you want rates from GEICO, Farmers and Travelers. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

However you get your quotes, compare apples-to-apples coverage limits and deductibles with every price quote. If you compare higher or lower deductibles it’s impossible to determine which rate is truly the best.

Save on Dodge Sprinter Cargo insurance

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be requested specifically before they will apply. If you’re not getting every credit available, you’re paying more than you need to.

  • Air Bag Discount – Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Defensive Driver – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Low Mileage – Fewer annual miles on your Dodge can qualify you for discounted rates on garaged vehicles.
  • Driver’s Ed – Have your child complete a driver education course in high school.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.

It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut your overall premium however.

Car insurance companies that may offer some of the above discounts are:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available in your state.

Tailor your coverage to you

When choosing the best car insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Am I covered when driving a rental car?
  • Is there coverage for injuries to my pets?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if I hit my neighbor’s mailbox?
  • How much liability do I need to cover my assets?
  • What is the ISO rating for a 2003 Dodge Sprinter Cargo?
  • What are the financial responsibility laws in my state?
  • Can my teen drive my company car?
  • Am I covered when pulling a rental trailer?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Is there deception in advertising?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all seem to have a common claim that you can save if you move your coverage to them.

But how can every company make almost identical claims?

All companies are able to cherry pick for the type of customer that earns them a profit. For instance, a preferred risk could be between 30 and 50, insures multiple vehicles, and has a short commute. Any driver who matches those parameters gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t qualify for these standards must pay a more expensive rate which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That’s why companies can claim big savings.

This illustrates why it is so important to quote coverage with many companies. Because you never know the company that will provide you with the cheapest Dodge Sprinter Cargo insurance rates.

Car insurance coverages for a 2003 Dodge Sprinter Cargo

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, hitting a deer, hitting a bird, vandalism and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as pain and suffering, emergency aid, attorney fees, loss of income and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision coverage protection

This coverage covers damage to your Sprinter Cargo caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like dental work, doctor visits, funeral costs, chiropractic care and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as 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 should not be overlooked. Usually these coverages are set the same as your liablity limits.

Find Good Coverage for Less

Consumers switch companies for any number of reasons including policy cancellation, delays in paying claims, extreme rates for teen drivers or even unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

Discount 2003 Dodge Sprinter Cargo insurance can be found on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

In this article, we presented a lot of information how to save on insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a small mutual company.

Additional detailed information is available at these sites: