Vehicles > Dodge > Sprinter Cargo

Dodge Sprinter Cargo Insurance Rates

You have many choices when trying to insure your Dodge vehicle. You can get prices from a local agent or get quotes online to compare rates from companies. Buying auto insurance by quoting online saves time, is easy to do, in addition you might just save a little.

Shopping online for auto insurance can be complicated if you are a beginner to quoting online. Don't let that stop you because comparing prices is actually very simple. Finding a lower price on Sprinter Cargo insurance is a fairly straight forward process. You just have to take a little time to get quotes online from several insurance companies. This can be accomplished by comparing rates here.

FREE Car Insurance Comparison

Criteria which help determine your insurance rates

Auto insurance rates for your Dodge Sprinter Cargo can be significantly different and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • How many accidents you have had
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

A final factor that helps determine Sprinter Cargo insurance rates is the model year. Newer models cost more in comparison to later models so the costs to repair may end up costing you more. But more recent Dodge vehicles may have a trim level with safety features including traction control, active head restraints, a backup camera, and an advanced theft deterrent system that may help lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Sprinter Cargo from the following list.

Liability coverages

This will cover injuries or damage you cause to other's property or people in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your Dodge resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your Dodge Sprinter Cargo comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Dodge Sprinter Cargo Insurance Rates?