Lower Your 2005 Dodge Sprinter Car Insurance Quotes

Searching for better insurance rates for your Dodge Sprinter? Having to pay for overpriced Dodge Sprinter insurance can drain your personal savings and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to lower your monthly bill. Big-name insurance companies like Progressive, State Farm and Geico persitently shower you with TV and radio ads and it can be hard to see past the geckos and flying pigs and find the best price available.

Parts of the Dodge Sprinter rate equation

It’s important that you understand the different types of things that play a part in calculating your insurance coverage rates. Having a good understanding of what determines base rates enables informed choices that can help you get better insurance coverage rates.

Shown below are some of the items insurance coverage companies consider when setting your rates.

  • Pay less if you’re married – Having a wife or husband helps lower the price when buying insurance coverage. Having a spouse translates into being more mature and responsible and it’s proven that married couples file fewer claims.
  • Proper usage rating affects rates – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your insurance coverage policy is showing the correct driver usage, because it can save money. Incorrect usage on your Sprinter can cost quite a bit.
  • Don’t let your coverage lapse – Driving without insurance is against the law and your next policy will cost more because you let your insurance lapse. Not only will rates go up, failure to provide proof of insurance may earn you a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Bundling policies can get discounts – The majority of insurers give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to shop around to make sure you are getting the best deal.
  • Your location affects your rates – Living in less populated areas can be a good thing when it comes to insurance coverage. Lower population means a lower chance of having an accident and a lower car theft rate. Urban drivers have to deal with much more traffic to deal with and a longer drive to work. More time on the road means higher likelihood of an accident.
  • Safe vehicles cost less to insure – Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you. If your Dodge Sprinter scored better than four stars on Safercar.gov you may qualify for a discount.
  • What are your deductibles? – Your deductibles represent how much money you are required to spend before your insurance coverage pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you’re willing to pay, the bigger discount you will receive on Sprinter coverage.

Quick Auto Insurance Quotes

There are multiple methods to compare 2005 Dodge Sprinter auto insurance prices but one way is less labor-intensive and much quicker. You could waste a few hours talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.

Many of the larger companies belong to an insurance system where insurance shoppers enter their coverage request one time, and every company then returns a price quote based on that information. This system prevents you from having to do quotation requests for every auto insurance company.

To access this free quoting program, click here to start a free quote.

The one downside to using this type of form is buyers cannot specifically choose which insurance companies you want pricing from. So if you prefer to choose specific insurance companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use exactly the same coverages and limits for every quote you compare. If you have unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Dodge Sprinter.

Save big with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Larger premium reductions will be automatically applied at quote time, but some must be inquired about prior to receiving the credit. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Clubs and Organizations – Affiliation with a civic or occupational organization may earn a discount when buying auto insurance on Sprinter coverage.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Sprinter coverage depending on your company.
  • Discount for New Cars – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Save over 55 – Mature drivers can possibly qualify for reduced rates on Sprinter coverage.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Resident Student – Children living away from home attending college and don’t have a car can receive lower rates.
  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.

It’s important to note that some credits don’t apply the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will cut your premiums.

To see a list of providers with discount auto insurance rates, click this link.

But I don’t know anything about car insurance

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • Who is covered when they drive my 2005 Dodge Sprinter?
  • I have health insurance so do I need medical payments coverage?
  • Do I really need UM/UIM coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is rental equipment covered for theft or damage?
  • Can I afford to buy a different vehicle if my 2005 Dodge Sprinter is totaled?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage considerations

Knowing the specifics of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average auto insurance policy.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hail damage and theft. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Sprinter.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

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

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, scraping a guard rail, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for pain medications, surgery, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

Liability coverage will cover damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like court costs, bail bonds, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Shop smart and save

We’ve covered a lot of ways to reduce 2005 Dodge Sprinter insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the most savings is with a small mutual company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

The cheapest insurance can be bought online and with local insurance agents, and you need to comparison shop both to have the best selection. A few companies do not offer online quoting and these small, regional companies work with independent agents.

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