Save on 2007 Dodge Sprinter Cargo Insurance Rates

Do you get exhausted from wondering where the money will come from to make your auto insurance payment? You have the same problem as millions of other drivers. Having so many different company options, it is hard for the average consumer to find a more affordable insurance company.

You should take the time to compare prices yearly since insurance prices are adjusted regularly by insurance companies. Just because you had the best rates on Sprinter Cargo insurance at your last renewal other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to learn the easiest way to buy cheaper auto insurance.

Finding affordable protection is quite easy. If you are insured now or are shopping for new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Drivers only need an understanding of the most effective way to get comparison rates online.

Get cheaper car insurance with discounts

Insuring your fleet can be pricey, but there could be significant discounts that many people don’t even know exist. Many discounts should be triggered at the time you complete a quote, but a few must be asked about prior to getting the savings.

• Professional Memberships – Participating in a professional or civic organization may earn a discount on your bill.
• Early Signing – A few larger companies offer discounts for renewing your policy prior to your current policy expiration. The savings is around 10%.
• Sign Online – Some of the larger companies will give you a small discount for buying your policy over the internet.
• ABS Braking Discount – Vehicles equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
• Telematics Discount – Drivers who elect to allow their insurance company to analyze vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Larger car insurance companies and the discounts they provide can be read below.

• State Farm includes discounts for passive restraint, accident-free, Steer Clear safe driver discount, defensive driving training, multiple autos, driver’s education, and Drive Safe & Save.
• Farmers Insurance policyholders can earn discounts including good student, youthful driver, switch companies, mature driver, electronic funds transfer, multi-car, and distant student.
• Progressive may offer discounts for homeowner, good student, multi-policy, online quote discount, online signing, multi-vehicle, and continuous coverage.
• Geico offers discounts for emergency military deployment, military active duty, five-year accident-free, defensive driver, anti-theft, daytime running lights, and good student.
• Auto-Owners Insurance offers discounts including teen driver, safe driver, student away at school, anti-theft, and paid in full.
• The Hartford may include discounts for driver training, anti-theft, air bag, defensive driver, and bundle.
• Farm Bureau may have discounts that include 55 and retired, safe driver, multi-policy, multi-vehicle, good student, renewal discount, and youthful driver.
• USAA has savings for new vehicle, defensive driver, multi-vehicle, vehicle storage, and annual mileage.

Before buying, ask each insurance company to give you their best rates. Some of the discounts discussed earlier may not apply to policies in your area. For a list of providers who offer car insurance discounts, follow this link.

The fastest way that we advise to get rate comparisons is to know the trick most insurance companies will pay a fee to give free rates quotes. The one thing you need to do is spend a couple of minutes providing details like your education level, what you do for a living, if your license is active, and whether you are single or married. That rating information is submitted instantly to many different companies and they return cost estimate with very little delay.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might point out if you might need professional guidance.

• Should I buy additional glass protection?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is medical payments coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Am I covered if I crash into my own garage door?
• Is pleasure use cheaper than using my 2007 Dodge Sprinter Cargo to commute?
• Is my nanny covered when driving my vehicle?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Car insurance coverages explained

Understanding the coverages of car insurance can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, dental work and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision coverage covers damage to your Sprinter Cargo caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Auto liability

This protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like court costs, pain and suffering, attorney fees, bail bonds and structural damage. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Sprinter Cargo.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

A little work can save a LOT of money

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Affordable 2007 Dodge Sprinter Cargo insurance is attainable from both online companies and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not offer rates over the internet and many times these small, regional companies only sell coverage through independent agents.

We’ve covered a lot of information how to compare 2007 Dodge Sprinter Cargo insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of getting affordable insurance coverage. You may even find the lowest prices are with a smaller regional carrier. They may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

For more information, feel free to browse these articles:

• What is Gap Insurance? (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Teen Driving Statistics (Geico)
• Your Car has been Stolen: Now What? (Allstate)
• Reducing Your Risks in a Car Crash Video (iihs.org)