1. Vehicles
  2. Dodge
  3. Sprinter Cargo
  4. 2004 Model Year

2004 Dodge Sprinter Cargo Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 28, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find the cheapest insurance coverage rates for your Dodge Sprinter Cargo? Have you had enough of paying out the nose each month for car insurance? You are no different than most other car owners. Online insurance companies like Progressive, State Farm and GEICO continually bombard you with ad campaigns and consumers find it hard to avoid their marketing magic and find the best price available.

Why your Dodge Sprinter Cargo insurance rates may be high

It’s important that you understand the factors that go into determining the price you pay for insurance coverage. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

Listed below are a few of the “ingredients” companies use to determine rates.

  • High deductibles save money – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Dodge from damage. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, and windstorm damage. The deductibles are the amount of money you are willing to pay out-of-pocket before your insurance coverage pays a claim. The more you are required to pay out-of-pocket, the less your insurance coverage will be on Sprinter Cargo insurance.
  • Do you qualify for a multi-policy discount? – Most insurance coverage companies will award you with lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to verify if the discount is saving money.
  • Poor credit can mean higher rates – Credit score is a important factor in calculating your insurance coverage rates. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit. So if your credit history is low, you could be paying less to insure your 2004 Dodge Sprinter Cargo by improving your rating.
  • Drive a safer car and pay less – Safer cars get lower rates. Safe vehicles protect occupants better and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If the Dodge Sprinter Cargo is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Your age impacts your rates – Youthful drivers tend to get distracted easily behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a teenage driver to your insurance coverage policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and are safer drivers.
  • Too many insurance coverage claims drive up costs – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies provide lower rates to policyholders who are claim-free. Your insurance policy is intended for the large, substantial claims.
  • Traffic violations increase rates – Your driving record has a big impact on rates. Drivers with clean records get better rates than their less careful counterparts. Only having one moving violation may increase your cost by twenty percent. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.

Lower rates by qualifying for discounts

Companies don’t always list every discount in a way that’s easy to find, so we break down some of the best known and the more hidden ways to save on insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Life Insurance Discount – Larger companies have better rates if you take out life insurance.
  • Senior Discount – Older drivers may qualify for a small decrease in premiums on Sprinter Cargo insurance.
  • Resident Student – Youth drivers who are attending college and don’t have a car can be insured at a reduced rate.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts up to 30%.
  • E-sign – A few companies give back up to $50 simply for signing online.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Organization Discounts – Belonging to certain professional organizations could trigger savings on your policy on Sprinter Cargo insurance.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way.

For a list of insurance companies offering insurance discounts, click here.

Don’t believe everything you hear

Consumers can’t get away from ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. All the ads say the same thing about savings after switching your coverage to them.

How can each company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the type of driver they prefer to insure. An example of a driver they prefer could be over the age of 50, has no driving citations, and drives newer vehicles. A customer who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.

Potential customers who do not match the requirements will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save money. This is how companies can claim big savings. Because of the profiling, you need to compare as many rates as you can. It’s just too difficult to predict which company will fit your personal profile best.

Car insurance is unique, just like you

When it comes to choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Does my 2004 Dodge Sprinter Cargo need full coverage?
  • What if I don’t agree with a claim settlement offer?
  • Is my state a no-fault state?
  • How much liability insurance is required?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if my car is in a flood?
  • Is my Dodge Sprinter Cargo covered if I use it for business?
  • Are rock chip repairs covered?
  • Will I be non-renewed for getting a DUI or other conviction?

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

What insurance coverages do you need?

Learning about specific coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Sprinter Cargo.

Since many drivers 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.

Collision coverage

This will pay to fix damage to your Sprinter Cargo resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, hitting a bird, hitting a deer, rock chips in glass and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like dental work, ambulance fees and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, attorney fees, loss of income, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

A penny saved is a penny earned

We just showed you a lot of techniques to compare 2004 Dodge Sprinter Cargo insurance prices online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

When you buy insurance online, you should never skimp on coverage in order to save money. In many cases, an accident victim reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cheap insurance is available online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and these regional insurance providers work with independent agents.

For more information, link through to the resources below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles