How Much Does 2008 Dodge Sprinter Cargo Car Insurance Cost?

Consumers have a choice when looking for the lowest priced Dodge Sprinter Cargo insurance. You can either waste hours contacting agents trying to get quotes or use the internet to make rate comparisons.

There are both good and bad ways to buy insurance so you’re going to learn the quickest way to price shop coverage for a new or used Dodge and find the cheapest rates either online or from local insurance agents.

Consumers should take time to compare prices before your policy renews because prices are usually higher with each renewal. Despite the fact that you may have had the best rate for Sprinter Cargo coverage a few years ago you may be paying too much now. You can find a lot of misleading information regarding insurance on the web, but in a few minutes you can learn some excellent ideas to find affordable insurance.

How much does insurance coverage cost?

Lowering your 2008 Dodge Sprinter Cargo insurance coverage rates is actually easier than you may think. All that’s required is to take a few minutes comparing price quotes to find. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  1. If you’re in a hurry, the quickest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating multiple quote forms for each company. A single form gets prices estimates from many national carriers. This is by far the quickest method.
  2. A less efficient way to shop for insurance coverage online requires you to visit the website for every company you want to comare and repeat the quote process. For sake of this example, let’s say you want to compare rates from Allstate, Liberty Mutual and American Family. You would need to go to each individual site and punch in your information repeatedly, which can get rather old. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended method to compare price quotes is to waste gas driving to insurance agents’ offices. Quoting online has made agencies unnecessary unless your situation requires the professional assistance of an agent trained in personal lines coverage. You can, however, comparison shop your insurance online but have your policy serviced through an agent.

How you compare quotes is your choice, just make absolute certain that you use the exact same quote information on every quote you get. If your comparisons have differing limits it will be very difficult to find the best deal for your Dodge Sprinter Cargo.

Dodge Sprinter Cargo insurance premium factors

When buying insurance it’s important to understand some of the factors that aid in calculating your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with lower insurance prices. Lots of factors are used in the calculation when premium rates are determined. Some are obvious like your driving record, although others are less obvious such as whether you are married or your commute time.

Shown below are a few of the things utilized by car insurance companies to help set your rate level.

  • Reserve policy claims for larger damages – Auto insurance companies give cheaper rates to policyholders who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Better rates on vehicles with better crash test results – Safe vehicles tend to have lower insurance rates. The safest vehicles protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates.
  • Guys tend to take more risk – Over time, data shows that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better drivers. Males and females get in at-fault accidents in similar numbers, but men get into accidents with more damage. Not only are claims higher, but men get more serious tickets like DUI and reckless driving.
  • Accidents can be expensive – How you drive impacts your car insurance rates tremendously. Good drivers pay lower auto insurance prices than bad drivers. Only having one chargable violation may cause rates to rise substantially. Drivers who have gotten multiple tickets such as DUI or willful reckless driving may be required to prove financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Decrease premiums by maintaining coverage – Allowing your insurance policy to lapse can be a quick way to trigger a rate increase. Not only will rates go up, getting caught without coverage might get you a hefty fine and possibly a revoked license.
  • Being married brings a discount – Being married can get you a discount compared to being single. Having a significant other is viewed as being more stable financially and statistics show drivers who are married are more cautious.
  • Urban residents pay more – Living in a rural area has it’s advantages if you are looking for the lowest rates. Lower population translates into fewer accidents in addition to fewer liability claims. Urban drivers have to deal with more aggressive driving styles and much longer commute distances. Longer commute distances translates into higher accident risk.

Verify you’re applying every discount

Car insurance companies don’t list the complete list of policy discounts very well, so the list below gives a summary of some of the more common as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Defensive Driver Discount – Successfully completing a driver safety course may get you a small discount and easily recoup the cost of the course.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts can receive discounts of 20 to 30 percent.
  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
  • Discount for Life Insurance – If the company offers life insurance, you could get lower rates if you buy life insurance.
  • Own a Home and Save – Just being a homeowner can save a few bucks because it requires personal responsibility.
  • Renewal Discounts – Select larger companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.

Please keep in mind that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic.

The best insurance coverage companies and a partial list of their discounts can be read below.

  • State Farm policyholders can earn discounts including driver’s education, accident-free, safe vehicle, good student, anti-theft, multiple policy, and multiple autos.
  • Liberty Mutual has discounts for multi-car, preferred payment discount, new move discount, multi-policy, new graduate, and good student.
  • American Family has savings for air bags, good student, good driver, early bird, accident-free, TimeAway discount, and defensive driver.
  • Progressive may include discounts for multi-vehicle, continuous coverage, homeowner, online quote discount, good student, and online signing.
  • Farmers Insurance may have discounts that include youthful driver, bundle discounts, pay in full, good student, and homeowner.
  • Auto-Owners Insurance offers premium reductions for mature driver, air bags, safe driver, multiple vehicles, and teen driver.
  • SAFECO discounts include anti-theft, accident prevention training, bundle discounts, safe driver, teen safe driver, homeowner, and anti-lock brakes.

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your area. If you would like to see a list of insurers with significant discounts, click here.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • Is a new car covered when I drive it off the dealer lot?
  • How can I get my company to pay me more for my totalled car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are my friends covered when driving my 2008 Dodge Sprinter Cargo?
  • What companies insure drivers after a DUI or DWI?
  • When would I need additional glass coverage?
  • What is PIP insurance?
  • Am I covered when pulling a rental trailer?
  • I don’t drive much so do I pay less?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a Dodge Sprinter Cargo

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, sideswiping another vehicle, colliding with a tree, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Liability coverage

Liability coverage will cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things like repair costs for stationary objects, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Dodge Sprinter Cargo.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like ambulance fees, dental work and chiropractic care. They can be used in conjunction with a health insurance plan 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. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

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

Comprehensive insurance covers claims such as rock chips in glass, fire damage and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A tidy conclusion

We just presented a lot of techniques to lower your 2008 Dodge Sprinter Cargo insurance car insurance rates. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper auto insurance. You may be surprised to find that the lowest priced insurance coverage comes from some of the smallest insurance companies.

When searching for inexpensive auto insurance quotes, never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the lowest possible cost, but do not skimp to save money.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, delays in responding to claim requests, not issuing a premium refund and even high prices. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

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