2009 Dodge Sprinter Insurance Quotes

Searching for cheaper car insurance rates for your Dodge Sprinter? People not familiar with comparison shopping online could find buying cheap car insurance very challenging.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but a few need to be asked about before you will receive the discount.

  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Drive Less and Save – Fewer annual miles on your Dodge could be rewarded with a substantially lower rate.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • No Charge for an Accident – Certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will cut the amount you have to pay.

For a list of insurers offering car insurance discounts, click here.

How to Get Insurance Coverage Comparison Quotes

When shopping for insurance coverage there are multiple ways of comparing price quotes from local insurance coverage companies. The recommended way to find competitive 2009 Dodge Sprinter insurance rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

The fastest way to find low rates is a comparison rater form like this one (opens in new window). This method prevents you from having to do separate quotes for each company. One form submission gets you coverage quotes from multiple low-cost companies. Just one form and you’re done.

A harder way to obtain and compare quotes online requires a visit to the website for each individual company and request a quote. For example, we’ll assume you want to compare rates from Auto-Owners, Farmers and Liberty Mutual. You would have to take the time to go to each site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.

The hardest way of comparing rate quotes is to spend time driving to local insurance agencies. The internet makes this process obsolete unless you require the personal advice that only a license agent can provide. It is possible to get the lowest quotes online and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, ensure you’re using exactly the same coverages and limits for every company. If your comparisons have higher or lower deductibles you will not be able to find the best deal for your Dodge Sprinter. Slightly different coverages could mean much higher rates. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting the best price.

Your Dodge Sprinter insurance rate is a complex equation

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in better insurance rates.

The list below includes some of the items insurance companies consider when setting premiums.

  • Careful drivers pay lower rates – Just one ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Lower deductibles cost more – The deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more expense you’re willing to pay, the lower your rates will be for Sprinter coverage.
  • Extra add-on coverages are wasting money – There are many extra bells and whistles that can waste your money if you aren’t careful. Coverages for personal injury protection, accident forgiveness and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate them to save money.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Men and women are in accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like DUI and reckless driving.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether you will benefit from professional help.

  • How much liability coverage do I need in my state?
  • Why do I only qualify for high-risk insurance?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I break a side mirror?
  • When should I not file a claim?
  • Should I drop comprehensive coverage on older vehicles?
  • Is upholstery damage covered by car insurance?
  • Am I getting all the discounts available?
  • Does coverage extend to Mexico or Canada?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Coverages available on your auto insurance policy

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses like X-ray expenses, ambulance fees, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Sprinter.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Liability car insurance

This can cover damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, theft and hitting a bird. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance covers damage to your Sprinter resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Be a smart shopper

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many instances, an insured cut full coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Cost effective 2009 Dodge Sprinter insurance is available on the web and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

People switch companies for any number of reasons including not issuing a premium refund, high prices, lack of trust in their agent or even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company can be easy and end up saving you some money.

Additional insurance coverage information can be found below: