2007 Dodge Sprinter Cargo Insurance Rates – 10 Ways to Save

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us, there are many consumers feeling the pinch from expensive car insurance. You have multiple insurers to pick from, and although it’s a good thing to have a choice, it makes it harder to adequately compare rates.

Buying the best protection is not that difficult. If you have a policy now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Consumers just need to learn the most effective way to compare prices over the internet.

How to Get Insurance

Most major insurance companies such as State Farm and Allstate quote pricing on their websites. The process is pretty painless as you just enter your personal and coverage information into the quote form. Once entered, the company’s rating system obtains your driving and credit reports and gives you a price quote determined by many factors. This helps simplify price comparisons, but having to visit many different websites and type in the same information can get tiresome after awhile. But it’s very important to compare as many rates as possible if you want to find the lowest possible prices on insurance.

There is an easier way!

The quickest way to compare insurance pricing is to use a quote form to obtain quotes from multiple companies. This type of form saves time, reduces the work, and makes rate comparisons much easier. Immediately after you send the form, it gets priced and you can choose any or none of the price quotes you receive.

If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to find out how much you’re overpaying now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you enter coverages and limits as shown on your current policy. This way, you are getting a price comparison based on similar coverages.

How to save on Dodge Sprinter Cargo insurance

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some must be specifically requested before you get the savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Homeowners Discount – Owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Sprinter Cargo insurance than less cautious drivers.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.

It’s important to understand that some credits don’t apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will cut the amount you have to pay.

Insurance companies that may offer these money-saving discounts are:

Before buying, ask each company how you can save money. Savings might not be offered in your area.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there really is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Should I buy full coverage?
  • Am I covered when driving someone else’s vehicle?
  • Is my Dodge Sprinter Cargo covered if I use it for business?
  • Am I covered if I hit a deer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is the minimum liability in my state?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Understanding the coverages of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most car insurance policies.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Sprinter Cargo.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, fire damage and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, emergency aid, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, colliding with a tree, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as nursing services, X-ray expenses, funeral costs, pain medications and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage