2005 Dodge Sprinter Insurance Cost – 9 Savings Tips

Looking for better insurance rates for your Dodge Sprinter? Purchasing the lowest cost insurance online can seem to be problematic for consumers new to buying insurance on the web. With so many online companies, how can drivers even start to compare them all to find the best available price?

It’s a good habit to compare prices periodically because rates trend upward over time. Despite the fact that you may have had the best rates for Sprinter coverage a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the fastest way to buy cheaper insurance.

Finding the best rates is not that difficult. In a nutshell, everyone who is required by state law to have auto insurance will be able to find lower rates. Although vehicle owners do need to know the methods companies use to price online insurance and use this information to your advantage.

Discounts are great for lower rates

Auto insurance companies do not list all available discounts very clearly, so we took the time to find both well-publicized and the harder-to-find ways to save on insurance.

  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Life Insurance – Some companies give a break if you buy life insurance.
  • Passive Restraints – Vehicles with factory air bags can receive discounts of 20% or more.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Drive Less and Save – Keeping the miles down on your Dodge could be rewarded with discounted rates on garaged vehicles.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Sprinter coverage than drivers with accidents.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for Sprinter coverage with a few insurance companies.

It’s important to understand that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts may not apply everywhere.

Free Insurance Quotes

To find the best insurance prices, there are several ways of comparing rates and find the best price. The quickest method to find competitive 2005 Dodge Sprinter insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished using a couple different methods.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating separate forms for each company you want a rate for. In just a few minutes this one form gets you price quotes from multiple companies. It’s the fastest way to compare.
  2. A slightly less efficient method to shop for insurance online requires you to visit the website of each company to complete their respective quote request forms. For example, we’ll assume you want rates from GEICO, 21st Century and GMAC. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The hardest way of comparing rate quotes is to drive around to local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the professional guidance that only a license agent can provide. Drivers can price shop online and get advice from an agent in your area and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverage information for each comparison quote. If you are comparing different liability limits it will be impossible to determine the best price for your Dodge Sprinter. Quoting even small variations in coverages can mean a large discrepancy in price. Just remember that obtaining a wide range of quotes will enable you to find the best price.

You may need specialized coverage

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • What happens if I owe more than my 2005 Dodge Sprinter is worth?
  • When can I cancel my policy?
  • Does my insurance cover a custom paint job?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my car insurance cover rental cars?
  • What is the ISO rating for a 2005 Dodge Sprinter?
  • How can I find cheaper teen driver insurance?
  • Who is covered by my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Car insurance coverage information

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as hospital visits, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, theft, rock chips in glass, damage from flooding and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

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

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision protection

This coverage will pay to fix damage to your Sprinter caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, crashing into a building, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like attorney fees, pain and suffering, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Save for a rainy day

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There have been many situations where an insured cut liability coverage limits only to discover later that the savings was not a smart move. The ultimate goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Affordable 2005 Dodge Sprinter insurance is attainable from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

People leave their current company for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, questionable increases in premium and high rates after DUI convictions. No matter why you want to switch, finding a new insurance company can be easier than you think.

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