View 2004 Dodge Sprinter Insurance Quotes

Want the cheapest insurance coverage rates for your Dodge Sprinter? Are you irritated from being strong-armed to buy insurance coverage? Your situation is no different than millions of other vehicle owners.

With vehicle owners having so many options when it comes to insurance coverage, it can be impossible to choose a lower cost insurance company.

You should take the time to take a look at other company’s rates every six months because prices are constantly changing. If you had the best rate on Sprinter coverage a couple years back you will most likely find a better premium rate today. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

This information will instruct you on the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you will most likely be able to save some money using this strategy. Although car owners can benefit from knowing the way insurance companies price insurance differently and apply this information to your search.

Car insurance companies offer money-saving discounts

Some providers don’t list all their discounts in a way that’s easy to find, so the list below gives a summary of both the well known in addition to some of the lesser obvious ways to save on car insurance. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Drivers Education – Require your teen driver to sucessfully take a drivers education course in high school.
  • Multiple Policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Auto/Life Discount – Insurance carriers who offer life insurance give a discounted car insurance rate on car insurance if you buy a life insurance policy as well.
  • ABS Brakes – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
  • Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Active Service Discounts – Being deployed in the military can result in better car insurance rates.
  • Passenger Safety Discount – Options like air bags may earn rate discounts of 20% or more.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, company stockholders wouldn’t be very happy.

A partial list of companies that may offer policyholders some of the discounts shown above include:

Before you buy a policy, ask each company or agent which discounts you may be entitled to. Savings might not apply in your area.

Do I just need basic coverages?

When buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • Who is covered by my policy?
  • Does my car insurance cover rental cars?
  • Will my insurance pay for OEM parts?
  • How can I get my company to pay me more for my totalled car?
  • Is my custom paint covered by insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why am I required to buy liability insurance?
  • Can my teen drive my company car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage basics

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are the normal coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Sprinter.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive auto coverage – This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, damage from flooding, theft, fire damage and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses like chiropractic care, funeral costs and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision – This pays for damage to your Sprinter caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, sustaining damage from a pot hole, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Liability car insurance – This will cover damage or injury you incur to a person or their property. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

A tidy conclusion

When shopping online for car insurance, never buy poor coverage just to save money. There have been many situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best cost, but do not skimp to save money.

A few companies may not offer online rate quotes and these small insurance companies only sell through independent insurance agencies. Cost effective 2004 Dodge Sprinter insurance can be sourced from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from.

Additional car insurance information can be found at the links below