2007 Dodge Sprinter Insurance Quotes – 9 Savings Tips

Drivers have lots of choices when trying to find low-cost Dodge Sprinter insurance. They can either spend hours contacting agents to compare prices or save time using the internet to get rate quotes.

There is a right way and a wrong way to find auto insurance online and you need to know the quickest way to compare rates for a Dodge and locate the lowest price.

If you have insurance now or need a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. This article will help educate you on how car insurance quotes work and some tips to save money. Drivers only need to know the proper way to buy car insurance on the web.

How to Buy Insurance Coverage Online

There are a variety of methods you can shop for 2007 Dodge Sprinter insurance coverage but one way is more efficient than others. You could waste a few hours talking about coverages with agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies participate in an industry program that allows shoppers to send in one quote, and each company then returns a price quote for coverage. This prevents consumers from doing quote requests to each company.

To get comparison pricing now click to open in new window.

The single downside to using this type of form is you cannot specify which insurance companies you want to price. So if you prefer to pick from a list of companies to compare, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing identical coverages with each company. If you have different deductibles it’s impossible to find the best deal for your Dodge Sprinter.

Discounts can save BIG

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Most are applied at the time of purchase, but a few need to be inquired about before being credited. If you’re not getting every credit possible, you are paying more than you should be.

  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Policy Discount – If you have multiple policies with the same company you will save up to 20% off your total premium.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Sprinter coverage than their less cautious counterparts.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
  • New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask each insurance company which discounts they offer. Savings might not apply in your state.

Will just any policy work for me?

When choosing adequate coverage, there really is no perfect coverage plan. Every situation is different.

For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Should I buy only the required minimum liability coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Is my dog or cat covered if injured in an accident?
  • What is UM/UIM insurance?
  • How much liability do I need to cover my assets?
  • Is a fancy paint job covered?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision protection

This covers damage to your Sprinter caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, theft, hitting a deer and hitting a bird. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, funeral expenses, medical expenses, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, hospital visits and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage