Lower Your 2008 Dodge Sprinter Insurance Quotes

Trying to find lower auto insurance rates for your Dodge Sprinter? Have you fallen victim to high-priced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Many insurers compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the cheapest price

It’s important to take a look at other company’s rates once or twice a year because rates fluctuate regularly. If you had the lowest price for Sprinter insurance on your last policy there is a good chance you can find better rates now. You can find a lot of wrong information about auto insurance on the web, but with this article, you’re going to get a lot of great tips on how to buy auto insurance cheaper.

How to Compare Auto Insurance Costs

Most major insurance companies such as Progressive, Allstate and GEICO give prices on their websites. Getting online quotes is fairly straightforward as you simply type in the coverage amounts you desire into a form. After you complete the form, the company’s rating system will obtain reports for credit and driving violations and generates a price based on many factors. This makes it a lot easier to compare rates but the time it takes to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to perform this step in order to get the best price on auto insurance.

A more efficient way to compare auto insurance pricing uses one simple form to obtain quotes from more than one company. The form is fast, requires much less work on your part, and makes online price comparison much simpler. As soon as the form is sent, it is rated and you can choose any or none of the pricing results. If you find a better price you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To quickly get comparison pricing now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you replicate coverages and limits identical to your current policy. This way, you are getting rate quotes based on the exact same insurance coverage.

Companies offer discounts so take them!

Companies offering auto insurance do not list all available discounts very clearly, so we researched some of the best known and also the lesser-known savings tricks you should be using.

  • Low Mileage – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Club Memberships – Participating in a civic or occupational organization may earn a discount on car insurance for Sprinter insurance.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums for Sprinter insurance.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.

It’s important to understand that many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

A partial list of companies that may offer these discounts are:

Double check with each insurance company how you can save money. Some discounts might not apply in your state.

Do I just need basic coverages?

When choosing adequate coverage, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • Do I have coverage when using my vehicle for my home business?
  • Is my trailer covered?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my custom paint covered by insurance?
  • What is roadside assistance coverage?
  • Is business equipment covered while in my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most car insurance policies.

Liability auto insurance

Liability insurance protects you from damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like repair costs for stationary objects, medical expenses, bail bonds and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass, hail damage, hitting a deer and fire damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Sprinter caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, hitting a mailbox, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as funeral costs, EMT expenses, rehabilitation expenses and surgery. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible