2007 Dodge Sprinter Insurance Quotes – 10 Tricks for Cheaper Rates

Have you fallen victim to an expensive auto insurance policy? It’s a common feeling and many drivers feel the same as you. With so many options, it’s difficult to pick the cheapest company.

It’s a good idea to shop coverage around as often as possible since insurance prices fluctuate regularly. Even if you got the best rate on Sprinter insurance six months ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because you’re going to learn the fastest way to save on auto insurance.

Lower rates by qualifying for these ten discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that can drop the cost substantially. Some discounts will apply at quote time, but some must be requested specifically prior to receiving the credit.

  • Senior Discount – If you qualify as a senior citizen, you can get lower premium rates on Sprinter insurance.
  • Active Military Service – Being on active duty in the military could mean lower prices.
  • Professional Memberships – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your bill.
  • Waiver for an Accident – but a few companies such as Geico, State Farm, and Progressive will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
  • Driver Education Discount – Have your child take driver’s ed class if it’s offered in school.
  • Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Discounts for Federal Employees – Federal government employees can earn a discount up to 10% on Sprinter insurance but check with your company.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and can earn a small discount on your policy.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower auto insurancerates on the low mileage vehicles.
  • Onboard Data Collection – Policyholders that allow driving data collection to monitor when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.

Drivers should understand that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way. But all discounts should definitely cut your policy premium.

Car insurance companies who may offer most of the discounts above include:

If you want inexpensive auto insurance quotes, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in your area.

Insurance is unique, just like you

When choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • When should I drop full coverage on my 2007 Dodge Sprinter?
  • What is the rate difference between pleasure use and commuting?
  • Is there coverage for injuries to my pets?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I wreck a rental car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving someone else’s vehicle?
  • Do I benefit by insuring my home with the same company?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Information about specific coverages

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Comprehensive insurance

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

Comprehensive coverage pays for claims like theft, hitting a deer, rock chips in glass, fire damage and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

This coverage can cover damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as pain and suffering, medical expenses, legal defense fees, medical services and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Sprinter.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses like X-ray expenses, funeral costs and surgery. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, scraping a guard rail, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

You can do this!

Affordable 2007 Dodge Sprinter insurance can be found on the web as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not offer online rate quotes and most of the time these smaller providers provide coverage only through local independent agencies.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where someone sacrificed full coverage and discovered at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

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