Lower Your 2004 Dodge Sprinter Insurance Rates

Trying to find better insurance rates for your Dodge Sprinter? Pricey insurance can drain your monthly budget and maybe even restrict other spending. Getting a rate comparison is a fast and free way to reduce premiums and put more money in your pocket.

You have multiple insurers to buy insurance from, and although it’s nice to be able to choose, it makes it harder to find the lowest rates.

Finding the best rates is not that difficult. In a nutshell, every driver who carries insurance will most likely be able to find better rates. But consumers need to learn the way companies sell online.

The most recommended method to compare policy rates is to know the trick car insurance companies participate in online systems to give rate comparisons. All consumers are required to do is provide a little information like if you lease or own, the make and model of your vehicles, your occupation, and an estimate of your credit level. Your insurance information is then submitted to insurance companies and they provide comparison quotes quickly.

To get price quotes for your car now, click here and find out if you can get cheaper insurance.

Affordable car insurance rates with discounts

Not many people think insurance is cheap, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be manually applied prior to getting the savings.

• Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could be rewarded with substantially lower prices.
• Active Military Service – Having a family member in the military could trigger a small discount.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts up to 30%.
• Club Memberships – Joining a civic or occupational organization could qualify you for a break on your policy.
• Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
• Discounts for Safe Drivers – Safe drivers can save as much as half off their rates on Sprinter insurance than drivers with accidents.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Most only reduce individual premiums such as medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount should definitely cut your premiums.

To choose insurers who offer online car insurance quotes, click here to view.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions can help discover if your insurance needs will benefit from professional help.

• Is upholstery damage covered by car insurance?
• Am I better off with higher deductibles on my 2004 Dodge Sprinter?
• Where can I find DUI or SR-22 insurance?
• Which companies will insure high-risk drivers?
• How can I find cheaper teen driver insurance?
• How much liability insurance is required?
• Should I bundle my homeowners policy with my auto?
• Do I have coverage when making deliveries for my home business?
• Do I need replacement cost coverage on my 2004 Dodge Sprinter?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Informed drivers save every year

The best way to find cheaper insurance coverage is to take a look at some of the elements that aid in calculating your premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that may result in lower premium levels. Multiple criteria are part of the calculation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, although some other factors are not quite as obvious like your vehicle usage or your vehicle rating.

The following are some of the major factors utilized by car insurance companies to help set rates.

• Poor credit decisions can cost you – An insured’s credit score will be a significant factor in determining premium rates. Drivers who have good credit tend to be more responsible than those with lower ratings. If your credit is lower than you’d like, you may save money insuring your 2004 Dodge Sprinter by repairing your credit.
• More policies can equal more savings – Many insurance coverage companies allow better rates to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you already get this discount, drivers will still want to comparison shop to confirm you are receiving the best rates possible.
• Experienced drivers pay less – Older, more experienced drivers are shown to be more cautious, cost insurance companies less in claims , and usually have better credit.Inexperience drivers are statistically proven to get distracted easily when behind the wheel and because of this, their insurance coverage rates are much higher.
• Location can affect price – Residing in a rural area may provide you with better prices when it comes to insurance coverage. Lower population translates into fewer accidents as well as less vandalism and auto theft. People who live in big cities have more traffic problems and longer commute times. Higher commute times means more chances of being involved in an auto accident.
• Reduce insurance coverage rates by driving vehicles with better crash test results – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge Sprinter earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Add-on coverages that aren’t used – There are quite a few extra bells and whistles that you can buy if you aren’t careful. Insurance for things like rental car reimbursement, better glass coverage, and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but if you have no use for them get rid of them and save.
• Do thieves like your car? – Selecting a car model with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.
• A coverage lapse can increase premiums – Having a gap between insurance policy dates will be a fast way to pay more for insurance coverage. And not only will your rates increase, not being able to provide proof of insurance could result in fines and jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Collision coverages – Collision coverage pays for damage to your Sprinter resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as backing into a parked car, sustaining damage from a pot hole, rolling your car, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, a tree branch falling on your vehicle, a broken windshield, damage from flooding and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims like repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

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.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, pain medications and nursing services. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Shop around and save

We covered many tips how you can shop for 2004 Dodge Sprinter insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding low cost insurance. Drivers may discover the lowest priced car insurance comes from the smaller companies. They may only write in your state and offer lower prices compared to the large companies like State Farm and Allstate.

Cheaper car insurance can be found on the web as well as from insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. A few companies may not have price quotes online and usually these regional insurance providers prefer to sell through independent agents.

To learn more, feel free to browse these articles:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• What to do at the Scene of an Accident (Insurance Information Insitute)