2008 Dodge Sprinter Cargo Insurance Rates – 6 Tips for Best Quotes

Want the cheapest car insurance rates for your Dodge Sprinter Cargo? Are you tired of not being able to afford to pay your car insurance bill each month? Your situation is no different than many other drivers. Online insurance companies like Progressive, Geico and Farmers Insurance continually hit you with advertising and it can be hard to see through the cute green geckos and mayhem and find the best price available.

It’s a good idea to compare rates quite often since rates are usually higher with each renewal. Even if you think you had the best rates for Sprinter Cargo insurance a year ago a different company probably has better rates today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the proper way to get good coverage at a lower rate.

Do you qualify for a discount?

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Some trigger automatically when you purchase, but a few need to be asked for before being credited. If they aren’t giving you every credit possible, you’re paying more than you need to.

Paperwork-free – A few companies will give a small break for buying your policy online.
Defensive Driver – Taking a course in driver safety could save 5% or more depending on where you live.
Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
Early Signing – Some companies give discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.
Clubs and Organizations – Participating in a qualifying organization is a good way to get lower rates on insurance coverage for Sprinter Cargo insurance.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

A partial list of companies that may have these benefits are:

Check with all companies you are considering which discounts you may be entitled to. Savings may not be available in your state.

What coverages do I need?

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if your insurance needs might need professional guidance.

When would I need rental car insurance?
Should I waive the damage coverage when renting a car?
Does my personal policy cover me when driving out-of-state?
Am I missing any policy discounts?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Am I covered if I drive in a foreign country?
Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

The fine print in auto insurance ads

Consumers constantly see and hear ads for the lowest price auto insurance by companies like Progressive, Allstate and Geico. All the companies make the same claim that you can save if you change to them.

How can each company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the driver that is profitable for them. An example of a profitable customer could be between 25 and 40, has no driving citations, and drives newer vehicles. Any driver who meets those qualifications will get the preferred rates and most likely will save when they switch companies.

Potential insureds who do not match the “perfect” profile will be charged higher rates and this can result in the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save money. That’s why companies can advertise the way they do.

That is why drivers must get a wide range of price quotes. It’s not possible to predict which company will fit your personal profile best.

Insurance coverages explained

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Collision coverage

This pays for damage to your Sprinter Cargo from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, rolling your car, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding, hitting a bird, theft and hitting a deer. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like surgery, pain medications and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Liability car insurance

Liability insurance can cover damage that occurs to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

More quotes mean more savings

We just presented some good ideas how to get a better price on 2008 Dodge Sprinter Cargo insurance. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced auto insurance comes from the smaller companies. They may only write in your state and offer lower rates as compared to the big name companies such as Geico and State Farm.

The cheapest insurance can be found both online and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance providers may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an insured dropped comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.