2005 Dodge Sprinter Insurance Rates

Are you tired of scraping the payment together to insure your Dodge every month? Your situation is no different than most other vehicle owners. There are many insurers to insure vehicles with, and although it’s nice to have a choice, more choices can make it harder to locate the cheapest rates.

How to get free insurance coverage quotes online

There are a lot of ways you can shop for insurance coverage but some are less time-consuming than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get prices fast.

Most of the larger companies enroll in a system that enables customers to send in one quote, and at least one company then gives them pricing determined by their information. This system prevents you from having to do quote forms for every insurance coverage company.

To enter your information into the quoting system, click here to open in new window.

The one downside to using this type of system is that you can’t choose which providers to receive prices from. So if you want to select specific insurance companies to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever way you use, make sure you use the same coverage data with every price quote. If you compare different data it’s impossible to get a fair rate comparison.

Pay discount rates these rate-reducing discounts

Some providers don’t always list all available discounts in a way that’s easy to find, so the next list breaks down some of the more common and also the lesser-known discounts that you can inquire about if you buy car insurance online. If you’re not getting every credit available, you could be paying more than you need to.

  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Telematics Data Discounts – Insureds who allow driving data submission to scrutinize when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
  • Paperwork-free – Certain larger companies will give a small break for signing up over the internet.
  • Discount for Low Mileage – Driving fewer miles may enable drivers to earn cheaper prices.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply until age 25.

As a sidenote, some of the credits will not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Companies that may offer quotes with these money-saving discounts may include but are not limited to:

When quoting, ask every insurance company which discounts they offer. Some discounts listed above might not be offered on policies in your state. To view car insurance companies that offer the discounts shown above, click here to view.

How do insurance companies determine Dodge Sprinter insurance premiums?

A large part of saving on car insurance is knowing some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that may result in cheaper rates. Multiple criteria are considered when quoting car insurance. Some are pretty understandable like an MVR report, although others are less apparent such as whether you are married or your vehicle rating.

  • Gender as a rate factor – Statistics show that females take fewer risks when driving. It does not mean women are better drivers. Both genders cause at-fault accidents in similar numbers, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving.
  • Younger vs. experienced drivers – Youthful drivers are statistically proven to be more careless in a vehicle so they pay higher car insurance rates. Adding a beginning driver to your policy can increase premiums substantially. Older insureds are more cautious drivers, tend to file fewer claims , and usually have better credit.
  • Consolidating policies can get discounts – Some companies provide a discount to people who buy several policies from them such as combining an auto and homeowners policy. If you currently are using one company, you may still want to compare other company rates to ensure the best deal.
  • Do you really need the add-on coverages? – There are many extra bells and whistles that can add up if you aren’t careful. Insurance for personal injury protection, better glass coverage, and extra life insurance coverage are examples of these. These coverages may sound good at first, but if you have no use for them remove them from your policy.
  • Pay more if you have a long commute – Residing in a rural area may provide you with better prices when talking about car insurance. Fewer drivers and short commutes means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities have more aggressive driving styles and longer commutes to work. The longer drive time statistically corresponds to a higher accident and claim rate.
  • Poor credit decisions can cost you – Credit score is likely to be a major factor in calculating your car insurance rates. So if your credit rating can be improved, you could save money insuring your 2005 Dodge Sprinter by improving your rating. Drivers with very high credit ratings tend to be more responsible as compared to drivers with lower credit scores.
  • Proper usage rating affects rates – The more you drive every year the higher the price you pay to insure it. Most companies rate vehicles based upon how you use the vehicle. Autos that do not get driven very much get more affordable rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Sprinter may be costing you. It’s a good idea to make sure your car insurance coverage is showing the correct usage for each vehicle.
  • Higher comp and collision deductibles save money – The deductibles you choose define the amount you are required to spend in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of some claims that would be covered could be rearending another vehicle, damage from fire, and having a roll-over accident. The more expense the insured is willing to pay, the lower your rates will be for Sprinter insurance.

Do I need special coverages?

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover if your situation might need professional guidance.

  • Will filing a claim cost me more?
  • Should I buy only the required minimum liability coverage?
  • When would I need additional glass coverage?
  • Is a blown tire covered by insurance?
  • Does insurance cover tools stolen from my truck?
  • Am I covered if I hit my neighbor’s mailbox?
  • What if I don’t agree with a claim settlement offer?
  • Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but you know they apply to you, 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 auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Car insurance policy specifics

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like rehabilitation expenses, dental work, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover 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. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like bail bonds, medical services, structural damage, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision insurance

Collision coverage covers damage to your Sprinter resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, hitting a parking meter, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Have the Midas touch

We just covered a lot of tips how to get a better price on 2005 Dodge Sprinter insurance. The key thing to remember is the more you quote car insurance, the better your chances of lowering your rates. Drivers may discover the best price on insurance coverage is with a lesser-known regional company. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as State Farm or Progressive.

Some insurance companies do not offer online rate quotes and these regional carriers sell through independent agencies. Discount 2005 Dodge Sprinter insurance is possible both online as well as from independent agents, and you need to comparison shop both to have the best selection.

Additional insurance coverage information can be read at these links: