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2005 Dodge Sprinter Cargo Insurance Rates

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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 ...

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UPDATED: Mar 28, 2020

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Searching for cheaper auto insurance rates for your Dodge Sprinter Cargo? Locating cheaper insurance for a new or used Dodge Sprinter Cargo can turn out to be difficult, but you can use the following methods and make it easy.

There is a better way to compare auto insurance rates so you’re going to learn the proper way to quote coverages on a Dodge and locate the lowest price from local insurance agents and online providers.

How to Buy Auto Insurance Online

Most major insurance companies like Allstate, GEICO and Progressive give prices on their websites. Getting quotes is pretty easy as you just type in your coverage information as requested by the quote form. When complete, their system will order your driving and credit reports and returns pricing information based on many factors.

This makes it a lot easier to compare rates but the process of having to visit a lot of sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to find the lowest possible prices on auto insurance.

There is a better way!

A more efficient way to find cheaper rates uses one form to get prices from multiple companies. This type of form saves time, eliminates repetitive work, and makes quoting online much easier. As soon as the form is sent, it gets priced and you can choose any or none of the quotes returned.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process can be completed in a matter of minutes and may save quite a bit of money.

To compare rates now, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you duplicate the limits and deductibles exactly as shown on your declarations page. This makes sure you will have a rate comparison for similar insurance coverage.

How to save on 2005 Dodge Sprinter Cargo insurance

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about before being credited. If you’re not getting every credit possible, you are throwing money away.

  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Sprinter Cargo coverage.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Accident Waiver – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Clubs and Organizations – Affiliation with certain professional organizations may earn a discount on your policy for Sprinter Cargo coverage.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free car insurance policy, you won’t be that lucky. But any discount will cut the amount you have to pay.

For a list of providers offering car insurance discounts, click here to view.

Lesser-known factors impacting Dodge Sprinter Cargo insurance rates

Consumers need to have an understanding of the factors that come into play when calculating insurance coverage rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • Do you need the policy add-ons? – There are many additional coverages you can purchase when buying insurance coverage. Insurance for personal injury protection, better glass coverage and additional equipment coverage may be costing you every month. They may seem good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Dodge has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Your occupation can affect rates – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as doctors, business owners and dentists are shown to have the highest average rates due to stressful work requirements and long work days. Other jobs such as pilots, historians and performers pay the least for Sprinter Cargo coverage.
  • Don’t cancel a policy without a new one in place – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.

Tailor your coverage to you

When choosing the best car insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need roadside assistance coverage?
  • When should my teen driver be added to my policy?
  • Does medical payments coverage apply to all occupants?
  • Can I drive in Mexico and have coverage?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Free Auto Insurance Comparison

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

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Drivers who switch save $447 a year? Really?

Consumers constantly see and hear ads that promise big savings from the likes of Allstate, GEICO and Progressive. They all seem to say the same thing that you can save if you move your coverage to them.

How do they all make the same claim?

Insurance companies have a certain “appetite” for the right customer they prefer to insure. A good example of a preferred risk could be between 30 and 50, owns a home, and has great credit. A propective insured who fits that profile will get very good rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t meet this ideal profile will be quoted higher premiums and this can result in business not being written. The ad wording is “customers who switch” not “people who quote” save money. That’s the way companies can state the savings.

This emphasizes why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which company will have the lowest Dodge Sprinter Cargo insurance rates.

Coverage specifics

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like rehabilitation expenses, dental work and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This 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.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

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

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.


This provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t 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. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, emergency aid and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, damage from getting keyed, hail damage, a broken windshield and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

More comparisons equals lower rates

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, unfair underwriting practices, poor customer service and high prices. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There are too many instances where someone sacrificed liability coverage limits and learned later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Budget-conscious 2005 Dodge Sprinter Cargo insurance can be bought from both online companies in addition to many insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Helpful information

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.

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