2007 Dodge Sprinter Car Insurance Rates – 5 Tips to Save

Trying to find low-cost insurance for a Dodge Sprinter can normally be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to compare rates for a new or used Dodge and obtain the cheapest rates from both online companies and local agents.

You should take the time to shop coverage around at least once a year because prices change regularly. If you had the best rates on Sprinter insurance on your last policy the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance coverage because you’re about to learn the best methods to remove unneeded coverages and save money.

You may qualify for discounts

Not too many consumers would say insurance coverage is affordable, but you might find some hidden discounts that you may not even know about. Many discounts should be triggered at quote time, but once in a while a discount must be specifically requested prior to getting the savings.

  • Low Miles Discount – Keeping the miles down on your Dodge may enable drivers to earn substantially lower premium rates.
  • Early Switch Discount – A few insurance companies give discounts for switching policies prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.
  • Discounts for Cautious Drivers – Insureds without accidents could pay up to 40% less on Sprinter insurance compared to accident prone drivers.
  • Organization Discounts – Being in a professional or civic organization could qualify you for a break on your bill.
  • College Student – Children who are attending college and leave their car at home can receive lower rates.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few of the larger companies and their possible discounts are:

  • GEICO discounts include driver training, multi-vehicle, daytime running lights, anti-lock brakes, and good student.
  • Auto-Owners Insurance has discounts for good student, safe driver, company car, anti-lock brakes, group or association, anti-theft, and mature driver.
  • American Family includes discounts for mySafetyValet, Steer into Savings, good driver, early bird, accident-free, and defensive driver.
  • Esurance may have discounts that include homeowner, Pac-12 alumni, DriveSense, safety device, good driver, Switch & Save, and claim free.
  • Progressive may offer discounts for good student, continuous coverage, online quote discount, multi-vehicle, online signing, and homeowner.
  • State Farm offers discounts including safe vehicle, anti-theft, driver’s education, passive restraint, Steer Clear safe driver discount, and accident-free.
  • AAA offers discounts for multi-policy, anti-theft, good student, education and occupation, multi-car, AAA membership discount, and pay-in-full.

It’s a good idea to ask every insurance company which discounts can lower your rates. A few discounts might not apply in your state.

But they said I’d save $448 a year!

Consumers can’t escape the ads that claim the cheapest prices from the likes of State Farm, Allstate and GEICO. They all have a common claim about savings if you change your policy.

How does each company charge lower premium rates? You have to listen carefully.

Companies have a preferred profile for the driver they prefer to insure. For example, this type of risk profile might be between the ages of 30 and 50, has no driving citations, and insures a new vehicle. Any new insured who meets those qualifications will probably get cheap rates and have a good chance to save if they switch.

Insureds who are not a match for these criteria will probably be forced to pay higher premiums and ends up with business not being written. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can confidently state the savings.

Because of the profiling, drivers must compare price quotes frequently. It is just not possible to predict with any certainty which company will provide the lowest rates.

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

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different.

For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Am I covered if I drive in a foreign country?
  • Do I need higher collision deductibles?
  • Why am I required to buy liability insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Should I sign the liability waiver when renting a car?
  • Who is covered when they drive my 2007 Dodge Sprinter?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage will cover damage or injury you incur to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like pain and suffering, emergency aid, bail bonds and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Sprinter.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, falling objects and hail damage. 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 costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for prosthetic devices, ambulance fees, nursing services and surgery. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

In the end, you save

People change insurance companies for many reasons like policy non-renewal, denial of a claim, high prices or even not issuing a premium refund. It doesn’t matter what your reason, switching companies is not as hard as you think.

Throughout this article, we presented some good ideas how to get a better price on 2007 Dodge Sprinter insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a small local company.

Cheaper 2007 Dodge Sprinter insurance can be sourced from both online companies and also from your neighborhood agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. A few companies do not offer price quotes online and most of the time these small insurance companies only sell coverage through independent agencies.

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