Cheaper 2003 Dodge Sprinter Cargo Insurance Quotes

Drivers have options when trying to find affordable Dodge Sprinter Cargo insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to get rate quotes. There is a right way and a wrong way to compare car insurance rates and you need to know the quickest way to price shop coverage for a Dodge and get the cheapest rates.

Do you qualify for a discount?

Car insurance companies do not list every discount very well, so we break down both well-publicized as well as the least known ways to save on insurance coverage. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Paperwork-free – A few companies may give you up to $50 just for signing your application digitally online.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Sprinter Cargo coverage than less cautious drivers.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiring. It can save you around 10%.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • Memberships – Belonging to a civic or occupational organization could trigger savings on your policy on Sprinter Cargo coverage.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Car insurance companies that possibly offer these money-saving discounts include:

Double check with each insurance company what discounts are available to you. Discounts may not apply everywhere.

Cheap Auto Insurance Comparisons

There are several ways to shop for Dodge Sprinter Cargo auto insurance, but one way is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use online quoting to maximize your effort.

Most car insurance companies belong to an insurance system that enables customers to submit one quote, and each company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests for each company you want a rate for.

To find out how much you can save on auto insurance click here to open in new window.

The only downside to doing it this way is you can’t choose the insurers you will receive quotes from. If you prefer to choose specific providers to compare rates, we put together a list of low cost auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you’re using identical quote information with every price quote. If you have higher or lower deductibles you can’t possibly find the best deal for your Dodge Sprinter Cargo.

Dodge Sprinter Cargo rate determination is complex

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get lower insurance prices.

Listed below are a partial list of the pieces used by your company to calculate your rates.

  • No coverage gaps is important – Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Pay less after the wedding – Having a spouse actually saves money on your policy. Having a significant other translates into being more mature and it’s statistically proven that married couples file fewer claims.
  • Your credit rating is important – A driver’s credit score is a big factor in determining what you pay for insurance. If your credit is lower than you’d like, you could potentially save money when insuring your 2003 Dodge Sprinter Cargo by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers with poor credit.
  • Safer cars cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Dodge earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • How many coverages with the same company – Many insurers give discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by splitting coverages up.
  • More people means more accidents – Being located in a small town is a positive aspect when insuring your vehicles. Less people living in that area means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have more traffic problems and longer commutes to work. Higher commute times can result in more accidents.

What coverages do I need?

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I insured when driving a different vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • At what point should I drop full coverage?
  • Is my babysitter covered when using my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Liability insurance

This provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for expenses like pain medications, dental work, X-ray expenses, rehabilitation expenses and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Sprinter Cargo.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, damage from getting keyed and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In conclusion

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed collision coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Consumers change insurance companies for many reasons like unfair underwriting practices, delays in responding to claim requests, delays in paying claims and even high rates after DUI convictions. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.

Budget-conscious 2003 Dodge Sprinter Cargo insurance is possible both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

More information is available on the following sites: