Lower Your 2008 Dodge Sprinter Insurance Quotes

Drivers have a choice when trying to find the best price on Dodge Sprinter insurance. You can either spend your time driving around to get rate comparisons or use the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance coverage and you need to know the absolute fastest way to get price quotes for a Dodge and find the lowest possible price.

Compare the Market for Insurance Coverage

All major insurance coverage companies like Allstate and Progressive quote insurance quotes on the web. Getting quotes doesn’t take much effort as you simply enter the coverage amounts you desire as requested by the quote form. When the form is submitted, the company’s rating system collects information on your driving record and credit history and returns a price.

Being able to quote online makes comparing rates easy, but the process of having to visit several different sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible in order to find the best price possible.

A less time-consuming method to compare rates uses one form to obtain quotes from more than one company. It saves time, eliminates form submissions, and makes online quotes a lot less work. After sending your information, your coverage is rated with multiple companies and you can pick any one of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and can result in significant savings.

To compare pricing, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate the limits and deductibles identical to your current policy. This ensures you will have a fair comparison for the exact same coverage.

Discounts can save BIG

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to cut the cost considerably. Some trigger automatically when you complete an application, but a few must be specially asked for before you get the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Accident Forgiveness – A handful of insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Low Mileage Discounts – Keeping the miles down on your Dodge can qualify you for lower rates on the low mileage vehicles.
  • Life Insurance – Some companies give better rates if you take out life insurance.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Bundle and Save – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.

Drivers should understand that some credits don’t apply to the entire cost. Most only cut individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. But any discount will cut the amount you have to pay.

Companies that possibly offer these discounts include:

Double check with each insurance company how you can save money. Discounts may not be available in your state.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there is no one size fits all plan. Each situation is unique.

For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Who is covered by my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I break a side mirror?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Dodge Sprinter insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that go into determining the price you pay for insurance coverage. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

Listed below are a partial list of the pieces used by your company to calculate prices.

  • Safer cars are cheaper to insure – Safer cars can get you lower premiums. The safest vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Dodge Sprinter scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • One company can mean more discounts – Many companies will award you with lower prices to people who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you still need to shop around to make sure you are getting the best deal.
  • Your spouse saves you money – Getting married can actually save you money on your policy. Having a significant other is viewed as being more mature it has been statistically shown that married couples file fewer claims.
  • Don’t get talked into coverage you don’t need – There are a lot of extra bells and whistles that you can get tricked into buying when buying insurance coverage. Coverages like personal injury protection, accidental death and additional equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings by companies like Allstate and Progressive. All the ads have a common claim that you’ll save big if you move to them.

How does each company make almost identical claims?

Insurance companies can use profiling for the type of driver that earns them a profit. A good example of a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who meets those qualifications gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who are not a match for the requirements will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can make the claims of big savings.

This emphasizes why it is so important to get as many comparisons as possible. It’s just too difficult to predict which car insurance company will have the lowest Dodge Sprinter insurance rates.

Car insurance coverage information

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Sprinter.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages do not exceed the liability coverage limits.

Liability insurance – This will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like funeral costs, surgery, prosthetic devices, EMT expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverages – This pays for damage to your Sprinter resulting from a collision 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 coverage protects against claims like driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance – This will pay to fix 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 a tree branch falling on your vehicle, theft and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Online plus local equals savings

Lower-priced 2008 Dodge Sprinter insurance can be sourced on the web and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage only to find out they didn’t purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Drivers switch companies for a number of reasons such as high prices, extreme rates for teen drivers, poor customer service or even policy non-renewal. No matter why you want to switch, switching insurance companies is not as hard as you think.

More detailed insurance information is available in these articles: