2004 Dodge Sprinter Car Insurance Cost – 5 Tricks for Cheapest Prices

Want the cheapest car insurance rates for your Dodge Sprinter? Tired of paying out the nose each month for car insurance? You’re in the same situation as most other car owners.

There is such a variety of insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find the best rates.

How much can you save with these five discounts?

Auto insurance companies don’t always publicize all their discounts very clearly, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Clubs and Organizations – Belonging to a qualifying organization could trigger savings when buying auto insurance for Sprinter coverage.
  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Student Driver Training – Require your teen driver to complete a driver education course if offered at their school.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.

Consumers should know that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, companies don’t profit that way.

To see a list of insurers who offer auto insurance discounts, click this link.

How much car insurance do I need?

When choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Do I need rental car coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I put collision coverage on all my vehicles?
  • How do I buy GAP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need higher collision deductibles?
  • Do I need more liability coverage?
  • What happens if I owe more than my 2004 Dodge Sprinter is worth?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Can switching companies really save?

Insurance companies such as State Farm, Allstate and Geico regularly use television and radio advertisements. They all seem to have a common claim that you’ll save big if you move to them. How does each company make the same claim? It’s all in the numbers.

Insurance companies can use profiling for the driver that makes them money. For instance, a desirable insured could possibly be between 30 and 50, owns a home, and has a high credit rating. A customer who fits that profile gets the lowest rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for these standards will have to pay a more expensive rate which leads to the customer not buying. The ads say “customers who switch” not “everyone that quotes” save money. That is how insurance companies can advertise the savings. Because of the profiling, you should quote coverage with many companies. You cannot predict which company will have the lowest Dodge Sprinter insurance rates.

Specific coverage details

Understanding the coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.


Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as structural damage, pain and suffering, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Auto collision coverage

This coverage covers damage to your Sprinter caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, X-ray expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Sprinter.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from flooding, falling objects, fire damage and a broken windshield. The highest amount a car 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 consider dropping full coverage.

And the best car insurance company is…

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage for the lowest price.

You just read many tips how you can compare 2004 Dodge Sprinter insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a lesser-known regional company. These companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

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