2009 Dodge Sprinter Insurance Quotes

Finding better insurance prices for a new or used Dodge Sprinter could be a painful process, but you can use a few tricks to find lower rates. There is a better way to find insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Dodge and locate the best price possible from local insurance agents and online providers.

It’s a good idea to shop coverage around quite often due to the fact that insurance rates are constantly changing. Just because you found the best price for Sprinter insurance a year ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about insurance on the web, but we’re going to give you some great ideas on how to stop overpaying for insurance.

Don’t overlook these discounts

Companies offering auto insurance do not list every discount in an easy-to-find place, so we researched some of the best known and the more hidden insurance savings. If they aren’t giving you every credit available, you are throwing money away.

  • Paperwork-free – Certain companies give back up to $50 for buying your policy over the internet.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings of up to 25% or more.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.

It’s important to understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, insurance companies aren’t that generous.

To see a list of companies with discount insurance rates, click here to view.

Dodge Sprinter rate determination is complex

It’s important that you understand the factors that play a part in calculating the price you pay for insurance coverage. Knowing what determines base rates allows you to make educated decisions that could result in big savings.

  • Being married is a good thing – Being married actually saves money on your insurance coverage policy. It usually means you are more mature and it’s proven that married drivers get in fewer accidents.
  • Higher deductibles cost less – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, damage from fire, or theft. The more you are required to pay out-of-pocket, the lower your rates will be for Sprinter insurance.
  • How’s your driving record? – Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than bad drivers. If you have serious violations such as DUI or reckless driving may find they need to file a SR-22 with the DMV in their state in order to continue driving.
  • The more you drive the more you pay – The more miles you rack up on your Dodge in a year’s time the higher your rates will be. Almost all companies rate vehicles based on their usage. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Having the wrong rating on your Sprinter may be wasting your money. Make sure your insurance coverage policy is rated on how each vehicle is driven.
  • Do you qualify for a multi-policy discount? – The majority of insurers give discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, you still need to shop around to ensure the best deal.
  • How credit affects insurance coverage rates – Your credit score is a big factor in determining your rates. If your credit is lower than you’d like, you could pay less to insure your 2009 Dodge Sprinter by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.

Is my situation unique?

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • What is medical payments coverage?
  • Am I covered if my car is in a flood?
  • Am I covered when driving someone else’s vehicle?
  • Am I better off with higher deductibles on my 2009 Dodge Sprinter?
  • When can my company non-renew my policy?
  • Do I have coverage when making deliveries for my home business?
  • Do I benefit by insuring my home with the same company?
  • When should I not file a claim?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Save $475 a year. For real?

Consumers can’t get away from ads for the lowest price auto insurance by State Farm, GEICO and Progressive. All the ads make an identical promise about savings if you change to their company.

How do they all make the same claim? This is how they do it.

All companies can use profiling for the right customer that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t measure up to these standards must pay higher rates and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save money. This is how insurance companies can confidently advertise the savings. This illustrates why it’s extremely important to get as many quotes as possible. It’s impossible to know which company will provide you with the cheapest Dodge Sprinter insurance rates.

Auto insurance coverage options for a Dodge Sprinter

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision – Collision coverage will pay to fix damage to your Sprinter resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, hitting a mailbox, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, pain medications, chiropractic care, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability insurance can cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like structural damage, attorney fees, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive auto insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, a broken windshield, hail damage, theft and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2009 Dodge Sprinter.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Saving money is sweet as honey

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, policy non-renewal, high prices and an unsatisfactory settlement offer. Regardless of your reason, switching companies is not as hard as you think.

Discount 2009 Dodge Sprinter insurance can be purchased online in addition to many insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We’ve covered a lot of techniques to save on insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the best prices are with some of the smallest insurance companies.

Much more information about auto insurance can be found at these links: