View 2003 Dodge Sprinter Insurance Quotes

Looking for better auto insurance rates for your Dodge Sprinter? Having to pay for overpriced Dodge Sprinter insurance can overdraw your savings account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income.

There is such a variety of auto insurance companies to buy insurance from, and even though it’s nice to have a choice, it makes it harder to locate the cheapest rates.

Dodge Sprinter insurance rates consist of many parts

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in big savings.

  • Traffic violations increase rates – A bad driving record has a big impact on rates. Even one citation may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state DMV in order to continue driving.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and thus lower rates. If your Dodge Sprinter is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Never go without insurance – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance might get you a steep fine or even jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Being married is a good thing – Having a spouse actually saves money on your policy. Having a spouse means you’re more mature and it’s statistically proven that drivers who are married are more cautious.
  • Poor credit can mean higher rates – Credit score is a huge factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit score is low, you could potentially save money when insuring your 2003 Dodge Sprinter by spending a little time repairing your credit.

You probably qualify for some discounts

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but a few must be asked for before they will apply.

  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • No Charge for an Accident – A few companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will bring down your overall premium however.

A partial list of companies that possibly offer these discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts might not apply everywhere.

Don’t believe everything you hear

Insurance coverage companies such as Progressive, Geico, Allstate and State Farm regularly use ads on TV and radio. They all seem to make the same claim that you’ll save big if you move to their company. How can each company claim to save you money? This is how they do it.

All companies can use profiling for the driver they prefer to insure. A good example of a profitable customer could possibly be over the age of 50, owns a home, and chooses high deductibles. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who do not match the requirements must pay higher premiums and ends up with the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save money. That is how companies can truthfully make the claims of big savings.

This illustrates why you absolutely need to compare as many rates as you can. It’s not possible to predict which company will provide you with the cheapest Dodge Sprinter insurance rates.

There’s no such thing as the perfect policy

When it comes to choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can help discover if you will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • What if I owe more than I can insure my car for?
  • How much underlying liability do I need for an umbrella policy?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I hit a deer?
  • What is no-fault insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are my friends covered when driving my car?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverages explained

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This 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 insurance covers claims like rock chips in glass, hitting a bird, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single 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 legal defense fees, pain and suffering, bail bonds, medical services and loss of income. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like ambulance fees, X-ray expenses and funeral costs. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

In conclusion

Budget-conscious 2003 Dodge Sprinter insurance is available both online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance coverage companies may not provide online price quotes and these smaller companies work with independent agents.

We’ve covered a lot of techniques to reduce insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest rates come from a smaller regional carrier. Some small companies often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

To learn more, link through to the resources below: