Lower Your 2004 Dodge Sprinter Cargo Car Insurance Quotes

Want cheaper car insurance rates for your Dodge Sprinter Cargo? No sane person anticipates paying for car insurance, especially when they know the prices are way too high. Vehicle owners have multiple car insurance companies to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to locate the cheapest rates.

Choosing the best insurance company for you is not that difficult. If you have a current auto insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Vehicle owners only need to know the proper way to shop for auto insurance online.

Cheaper rates with discounts

Some insurers don’t always publicize their entire list of discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find discounts that you can inquire about if you buy car insurance online. If they aren’t giving you every credit you deserve, you are just wasting money.

• Active Service Discounts – Having a family member in the military can result in better insurance coverage rates.
• Homeowners Pay Less – Simply owning a home can save you money since home ownership requires a higher level of personal finance.
• Accident Free – Drivers who stay claim-free pay much less when compared to policyholders that have many claims.
• New Car Discount – Buying insurance coverage coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
• ABS Brakes – Vehicles that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.
• Discounts for Federal Employees – Simply working for the federal government can save as much as 8% on Sprinter Cargo insurance but check with your company.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 25 to 30%.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will reduce the premium cost.

A few popular companies and a partial list of their discounts can be found below.

• State Farm may include discounts for Steer Clear safe driver discount, multiple policy, anti-theft, defensive driving training, Drive Safe & Save, and good student.
• Progressive may offer discounts for good student, homeowner, online quote discount, multi-vehicle, continuous coverage, and online signing.
• Travelers may have discounts that include driver training, hybrid/electric vehicle, multi-policy, student away at school, home ownership, and save driver.
• American Family includes discounts for good driver, accident-free, air bags, defensive driver, and mySafetyValet.
• Liberty Mutual offers discounts including multi-policy, new graduate, new vehicle discount, exclusive group savings, newly retired, multi-car, and teen driver discount.

If you are trying to find cheaper car insurance quotes, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in every state.

The most recommended method to compare rate quotes is to understand most larger insurance companies participate in a system to compare rate quotes. To begin a comparison, all you need to do is give them rating details like whether you drive to work or school, whether or not you need a SR-22, if you’re married, and if the vehicle is leased. Your details is instantly provided to insurance companies and you receive quotes instantly.

What is the best insurance coverage?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

• What is the minimum liability in my state?
• Is my babysitter covered when using my vehicle?
• How much liability do I need to cover my assets?
• Should I buy only the required minimum liability coverage?
• Does my 2004 Dodge Sprinter Cargo qualify for pleasure use?
• Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Learning about specific coverages of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb, rolling your car, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – Liability insurance protects you from damage that occurs to other people or property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims like repair costs for stationary objects, bail bonds, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Sprinter Cargo.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Be a smart shopper

You just read many ideas to get a better price on 2004 Dodge Sprinter Cargo insurance. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest car insurance. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. They can often provide lower prices in certain areas than the large multi-state companies such as State Farm or Progressive.

Cheaper insurance can be bought both online and from local agencies, and you need to comparison shop both to have the best rate selection. Some insurance companies may not offer online quoting and many times these small, regional companies provide coverage only through independent insurance agencies.

When searching for inexpensive car insurance quotes, you should never buy poor coverage just to save money. There are many occasions where someone dropped physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at an affordable rate and still be able to protect your assets.

More resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)