Save on 2007 Dodge Sprinter Insurance Cost

Drivers have a choice when trying to find low-cost Dodge Sprinter insurance. You can either spend your time driving around to get rate comparisons or use the internet to compare rates.

There are more efficient ways to shop for insurance coverage and you need to know the absolute fastest way to compare rates on a Dodge and find the lowest possible price from both online companies and local agents.

Impacting insurance rates for a Dodge Sprinter

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

The list below includes some of the items that factor into rates.

  • Liability coverage is cheap – Your policy’s liability coverage provides coverage in the event that you are found liable for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Rural vs Urban Areas – Residing in less populated areas can be a good thing when it comes to insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Better crash test results mean better rates – Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge Sprinter earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Higher deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Dodge. A few examples of covered claims are a windshield shattered by a rock, damage from fire, and burglary. Your deductibles are how much you are required to spend if you file a covered claim. The more money you have to pay, the bigger discount you will receive for Sprinter insurance.
  • How many coverages with the same company – Many companies give discounts to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to verify if the discount is saving money. You may still find a better deal by buying insurance from more than one company.
  • Keep rates low by being claim-free – Auto insurance companies provide cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can expect either policy cancellation or increased premiums. Insurance coverage is designed for major claims that would cause financial hardship.
  • Don’t get talked into coverage you don’t need – There are a lot of additional coverages that you can buy when buying insurance. Coverages like vanishing deductibles, towing coverage and term life insurance may be wasting your money. They may seem like a good idea at first, but if they’re wasting money get rid of them and save.

Discounts are great for lower rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you quote, but some may not be applied and must be requested specifically prior to receiving the credit. If you’re not getting every credit possible, you’re paying more than you need to.

  • Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Distant Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.

A little note about advertised discounts, many deductions do not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

For a list of providers offering insurance coverage discounts, follow this link.

You may need specialized coverage

When choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your situation may require specific advice.

  • Is my state a no-fault state?
  • Do I have coverage when using my vehicle for my home business?
  • Is upholstery damage covered by car insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does coverage extend to my business vehicle?
  • Is business equipment covered while in my vehicle?
  • Does medical payments coverage apply to all occupants?
  • Am I getting all the discounts available?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages explained

Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Auto liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, loss of income, medical services, court costs and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision – Collision insurance pays for damage to your Sprinter resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, driving through your garage door, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2007 Dodge Sprinter.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance 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 can pay for things such as a tree branch falling on your vehicle, hitting a deer and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses like prosthetic devices, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Compare but don’t skimp

Cheap 2007 Dodge Sprinter insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance coverage companies may not provide online quoting and these smaller companies work with independent agents.

While you’re price shopping online, you should never reduce coverage to reduce premium. There are a lot of situations where someone dropped collision coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We just covered many ways to compare insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest premiums are with a small local company.

Additional detailed information is located in these articles: