Cheaper 2004 Dodge Sprinter Insurance Quotes

Overpriced Dodge Sprinter insurance can dwindle your personal savings and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Insurance companies such as Progressive, GEICO and Farmers Insurance continually bombard you with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s a good idea to price shop coverage periodically because insurance rates change quite often. Despite the fact that you may have had the best rates for Sprinter insurance two years ago you may be paying too much now. Starting now, ignore everything you know about insurance because you’re going to learn the easiest way to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Buying car insurance is quite easy. But vehicle owners must comprehend the way insurance companies market insurance on the web because it can help you find the best coverage.

Comparison of Insurance Coverage

Most major insurance companies quote coverage price quotes on their websites. Getting quotes is fairly simple as you simply type in your coverage information as detailed in the form. Behind the scenes, the system sends out for your driving record and credit report and returns a price quote. Quoting online makes it a lot easier to compare rates but the time it takes to visit a lot of sites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to get a better rate.

Rate comparisons made easy

The quickest way to compare insurance coverage pricing uses one simple form that obtains quotes from a lot of companies. The form is fast, requires less work, and makes online quotes much simpler. As soon as you send your information, it is quoted and you can choose any one of the quotes that you receive. If you find a better price you can simply submit the application and buy the policy. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to compare rates using this form now, click here to open in new window and enter your information. If you currently have coverage, we recommend you replicate the limits and deductibles exactly as shown on your declarations page. This guarantees you will be getting rate quotes for similar coverage.

Best discounts on 2004 Dodge Sprinter coverage

Companies do not list all available discounts very well, so the following is a list of both the well known as well as the least known auto insurance savings.

  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Sprinter insurance with certain companies.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Driver Safety – Taking a defensive driving course could cut 5% off your bill if your company offers it.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

To see a list of insurers with the best auto insurance discounts, follow this link.

These factors can influence what you pay for Dodge Sprinter insurance

It’s important that you understand the rating factors that play a part in calculating the rates you pay for insurance coverage. Knowing what influences your rates enables informed choices that could result in better insurance coverage rates.

  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Dodge has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Are you male or female? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Men and women cause accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
  • Marriage pays dividends – Being married helps lower the price on your insurance coverage policy. It means you’re more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Your location is important – Living in a rural area can be a good thing when it comes to insurance coverage. Fewer people means a lower chance of having an accident. Urban drivers have to deal with much more traffic to deal with and much longer commute distances. More time on the road means higher likelihood of an accident.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • A clean driving record saves money – Drivers with clean records get better rates than bad drivers. Only having one moving violation may increase your cost twenty percent or more. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.

Tailor your coverage to you

When buying the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Do I need special endorsements for business use of my vehicle?
  • How high should my medical payments coverage be?
  • Will filing a claim cost me more?
  • Are split liability limits better than a combined single limit?
  • Should I put collision coverage on all my vehicles?
  • What exactly is covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will my rates increase for filing one claim?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Beware of misleading insurance coverage ads

Companies like GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. All the ads make the same claim that you can save if you switch to them. How does each company claim to save you money?

All the different companies are able to cherry pick for the driver that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A driver who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.

Potential customers who don’t meet these standards must pay higher rates which leads to the customer not buying. The ads state “people who switch” not “everyone that quotes” save that much. This is how insurance companies can claim big savings. This illustrates why drivers must get a wide range of price quotes. It’s not possible to predict which insurance companies will fit your personal profile best.

Coverages available on your insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Liability insurance

Liability coverage will cover injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people. 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 policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, medical services, court costs and bail bonds. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, damaging your car on a curb, rolling your car, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Dodge Sprinter.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, vandalism, fire damage and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for chiropractic care, dental work and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Shop smart and save

We just showed you a lot of information how to compare 2004 Dodge Sprinter insurance prices online. The key concept to understand is the more you quote, the better your comparison will be. You may be surprised to find that the best prices are with a lesser-known regional company. They may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Much more information about car insurance can be found on the following sites: