2009 Dodge Sprinter Insurance Quotes – 8 Discounts for Cheaper Rates

Searching for lower insurance coverage rates for your Dodge Sprinter? Wish you could get out of an overpriced insurance coverage policy? You’re in good company because you’re not alone. Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest price

Free insurance coverage quotes

Getting cheaper 2009 Dodge Sprinter insurance coverage pricing is an easy way to save money. All that’s required is to spend a few minutes getting comparison quotes to find the company with the cheapest insurance quotes. Rate comparisons can be done by using one of the methods below.

Without a doubt, the easiest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing boring form submissions for every insurance coverage company. Filling out one form will get you rate comparisons from several companies.

A more difficult way to find better pricing is going to the website for each individual company and complete a new quote form. For instance, we’ll assume you want to see prices from USAA, State Farm and Geico. In order to get each rate, you would have to go to every website and punch in your information repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

The least efficient method to comparison shop is making phone calls or going to different agent offices. Quoting online can eliminate the need for a local agent unless you have a complicated situation and need the advice and guidance that you can only get from talking to an agent. However, consumers can obtain prices from the web and still use a local agent.

You can choose any of those ways to find more affodable coverage, but be certain you are entering equivalent quote information for every quote you compare. If each company quotes higher or lower deductibles then you won’t be able to determine which company has the best rates.

Don’t overlook these eight car insurance discounts

Companies offering auto insurance don’t always advertise their entire list of discounts very clearly, so here is a list both well-publicized and also the more inconspicuous discounts that may be available. If you’re not getting every credit possible, you could be saving more on your car insurance.

• ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
• Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of 10% to 20% off each policy.
• Driver Training Discounts – Completing a driver safety course is a good idea and can lower rates and also improve your driving technique.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Club Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums when shopping for car insurance.
• Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
• Mature Driver Discount – Older drivers could receive a small decrease in premiums on Sprinter insurance.
• New Car Discount – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

To see car insurance companies with discount rates, click here to view.

When to get professional advice

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine if you might need professional guidance.

• Am I covered when driving a rental car?
• Does my personal policy cover me when driving out-of-state?
• Does having multiple vehicles earn me a discount?
• Which is better, split liability limits or combined limits?
• How much can I save by bundling my policies?
• Am I covered if I crash into my own garage door?
• How high should deductibles be on a 2009 Dodge Sprinter?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Coverages available on your policy

Understanding the coverages of a insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Liability insurance – Liability insurance can cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like pain and suffering, medical expenses, repair costs for stationary objects, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Collision coverages – Collision insurance pays for damage to your Sprinter from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, crashing into a building, hitting a parking meter, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, damage from a tornado or hurricane, a broken windshield, vandalism and falling objects. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for funeral costs, prosthetic devices, surgery, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible