2003 Dodge Sprinter Insurance Quotes – 7 Ideas for Cheaper Rates

Searching for the cheapest insurance coverage rates for your Dodge Sprinter? Sick and tired of scraping nickels together to pay your insurance coverage bill each month? You are no different than most other consumers. With consumers having so many choices of insurance companies, it can be hard to locate the lowest price company.

You may qualify for discounts

Car insurance companies don’t always publicize all available discounts very well, so the list below contains some of the best known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

  • Clubs and Organizations – Joining specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a car insurance quote.
  • Driving Data Discount – Policyholders that allow companies to scrutinize vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they show good driving skills.
  • Defensive Driver Discounts – Taking a course that instructs on driving safety is a good idea and can lower rates if you qualify.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. You can save around 10% with this discount.
  • Service Members Pay Less – Having a family member in the military may lower your car insurance rates slightly.
  • New Vehicle Savings – Buying a new car model can save up to 30% because new vehicles keep occupants safer.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

Some of the insurance companies that have most of the discounts above include:

It’s a good idea to ask every insurance company how many discounts you can get. All car insurance discounts may not apply to policyholders in your area. To locate car insurance companies who offer discounts, click here to view.

There’s no such thing as the perfect car insurance policy

When it comes to buying the best car insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help highlight whether or not you could use an agent’s help.

  • When would I need rental car insurance?
  • Does my insurance cover a custom paint job?
  • What is the minimum liability in my state?
  • Do I really need UM/UIM coverage?
  • Should I have a commercial auto policy?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance coverage companies are expert advertisers

Drivers get pounded daily by advertisements that claim the cheapest premium rates by companies like 21st Century, Allstate and State Farm. All the companies have a common claim that you’ll save big if you move your insurance coverage policy to them.

That’s great but how can every company charge you a lower premium? This is the way they can do it.

Insurance companies look for specific characteristics for the type of driver that earns them the most money. For instance, this type of risk profile may need to be over the age of 50, has a low-risk occupation, and drives less than 5,000 miles a year. Any driver that matches those criteria will qualify for the lowest rates and is almost guaranteed to cut their rates if they switch.

Potential customers who do not fit those criteria will see higher rates with the end result being the prospect going elsewhere. Company advertisements say “people who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make those claims.

This emphasizes why it is so important to do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance coverage company will have the best prices for your profile.

Car insurance coverage options for a 2003 Dodge Sprinter

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average car insurance policy.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for doctor visits, EMT expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision insurance

This will pay to fix damage to your Sprinter from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, colliding with another moving vehicle, crashing into a ditch, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, vandalism, falling objects, a broken windshield and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

Liability coverage will cover damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical services, court costs, medical expenses, loss of income and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Don’t throw your cash in the trash

When you buy car insurance online, make sure you don’t buy less coverage just to save a little money. There are many occasions where an accident victim reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Throughout this article, we presented a lot of ways to lower your 2003 Dodge Sprinter insurance prices. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the lowest priced insurance comes from a lesser-known regional company. They may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

More information is located on the following sites: