Compare 2003 Dodge Sprinter Insurance Cost

Looking for cheaper car insurance rates for your Dodge Sprinter? If you are a novice to online car insurance shopping, most likely you are bewildered due to the large selection of online companies vying for business.

You should take the time to shop coverage around quite often because prices are rarely the same from one policy term to another. Even if you think you had the lowest rates for Sprinter coverage six months ago there is a good chance you can find better premium rates now. Forget all the misinformation about car insurance because you’re about to find out the best methods to find better coverage at a better price.

Discounts to earn cheaper insurance rates

Insurance can be pricey, but you can get discounts that could drop your premiums quite a bit. Some discounts will apply when you quote, but occassionally some discounts must be specially asked for before they will apply.

• Lower Rates for Military – Being on active duty in the military could qualify you for better rates.
• Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
• Save with a New Car – Adding a new car to your policy may earn a small discount since newer models have better safety ratings.
• Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% for Sprinter coverage.
• Defensive Driving Course – Taking a class that teaches safe driver techniques can save you 5% or more and also improve your driving technique.
• Employee of Federal Government – Active or former government employment may qualify for a discount when you quote insurance for Sprinter coverage depending on your company.
• Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower insurancerates on the low mileage vehicles.
• Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
• Discount for Passive Restraints – Options like air bags or motorized seat belts can get savings of more than 20%.
• Discount for Swiching Early – A few companies offer discounts for signing up before your current coverage expires. Ten percent is about the average savings.

Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free insurance policy, company stockholders wouldn’t be very happy.

Popular insurance companies and the discounts they provide can be found below.

• State Farm includes discounts for Drive Safe & Save, good driver, accident-free, student away at school, good student, and passive restraint.
• American Family may have discounts that include mySafetyValet, early bird, multi-vehicle, accident-free, and good student.
• AAA policyholders can earn discounts including anti-theft, AAA membership discount, pay-in-full, good driver, and good student.
• Geico has discounts for anti-theft, good student, military active duty, driver training, and federal employee.
• Mercury Insurance offers discounts for good student, multi-car, multi-policy, type of vehicle, anti-theft, accident-free, and ease of repair.
• Farmers Insurance offers premium reductions for youthful driver, switch companies, early shopping, electronic funds transfer, alternative fuel, teen driver, and business and professional.
• Progressive offers discounts including multi-vehicle, homeowner, online quote discount, multi-policy, continuous coverage, good student, and online signing.

Double check with all companies you are considering which discounts you qualify for. Some discounts listed above may not be offered in your area. If you would like to see a list of insurance companies who offer online insurance quotes, click here.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions can help discover whether or not you might need professional guidance.

• Does my insurance cover my expensive audio equipment?
• Is my custom paint covered by insurance?
• Am I covered when using my vehicle for business?
• Can I afford low physical damage deductibles?
• What vehicles should carry emergency assistance coverage?
• When do I need to add a new car to my policy?
• Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverages explained

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft and damage from flooding. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like rehabilitation expenses, EMT expenses, nursing services and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your Sprinter from colliding 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 insurance covers claims such as crashing into a ditch, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 2003 Dodge Sprinter.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Don’t break the bank

Consumers leave their current company for many reasons like extreme rates for teen drivers, delays in paying claims, delays in responding to claim requests and even unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

Some auto insurance companies do not offer internet price quotes small, regional companies sell through local independent agents. Cheaper auto insurance can be purchased both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.

We’ve covered a lot of information how to reduce 2003 Dodge Sprinter insurance premium rates online. The key concept to understand is the more quotes you get, the higher your chance of finding affordable insurance. Consumers may even find the lowest premium rates come from the least-expected company.

Other learning opportunities

• Avoiding Deer Collisions (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Teen Driving Statistics (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)