2007 Dodge Sprinter Cargo Insurance Rates

Buyers have lots of choices when searching for the lowest priced Dodge Sprinter Cargo insurance. You can either spend your time contacting agents to compare prices or save time using the internet to compare rates. There is a better way to buy car insurance so we’re going to tell you the quickest way to compare rates on a Dodge and locate the lowest possible price from local insurance agents and online providers.

Finding Insurance

Finding cheaper 2007 Dodge Sprinter Cargo insurance prices is not rocket science. Just take time comparing rates from different insurance companies. It is quite easy and can be accomplished in several different ways.

1. The most efficient way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating separate quotation requests for each company. One quote request will get you rate comparisons from multiple companies. It’s the fastest way to compare.
2. A harder way to find lower rates consists of visiting each company website to complete a price quote. For examples sake, we’ll pretend you want rates from Progressive, Liberty Mutual and Travelers. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

   For a list of links to companies insuring cars in your area, click here.

3. The least efficient way to get comparison rates is to drive around to and from local insurance agencies. The internet has reduced the need for local agents unless you have a need for the professional guidance only provided by licensed agents. It is possible to comparison shop your insurance online but buy from a local insurance agent.

However you get your quotes, make darn sure you compare identical coverage limits and deductibles on every quote. If your comparisons have higher or lower deductibles you will not be able to truly determine the lowest rate.

Can you really save that much by switching?

Consumers get pounded daily by advertisements for cheaper car insurance by companies like 21st Century, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you change to them.

How do they all claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the type of customer that makes them money. For instance, a preferred risk could possibly be between the ages of 40 and 55, is a homeowner, and drives less than 7,500 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Potential customers who fall outside this ideal profile will be charged a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. This is how insurance companies can advertise the way they do. That is why it is so important to get a wide range of price quotes. You cannot predict which insurance companies will fit your personal profile best.

More discounts equal less premium

Car insurance companies don’t necessarily list every discount very clearly, so we break down some of the best known and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you are throwing money away.

• Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
• Save over 55 – Older drivers may be able to get a small decrease in premiums on Sprinter Cargo insurance.
• Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
• Passive Restraints and Air Bags – Factory air bags can receive discounts of up to 25% or more.
• Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
• Multi-car Discount – Having more than one vehicle on the same car insurance policy could earn a price break for each car.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
• New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
• No Claims – Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.

It’s important to note that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurers with discount car insurance rates, click here to view.

It’s not one size fits all

When buying adequate coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

• Do I need added coverage for expensive stereo equipment?
• Are my friends covered when driving my 2007 Dodge Sprinter Cargo?
• How do I file an SR-22 for a DUI in my state?
• Does coverage extend to a rental car in a foreign country?
• What if I total my 2007 Dodge Sprinter Cargo and owe more than it’s worth?
• Is a new car covered when I drive it off the dealer lot?
• Does my policy cover my teen driver if they drive my company car?
• Is my state a no-fault state?
• What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance coverages explained

Learning about specific coverages of car insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for liability – This protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, pain and suffering and bail bonds. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for short-term medical expenses such as doctor visits, nursing services and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from flooding, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Sprinter Cargo.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Do the work, save more money

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. There have been many situations where an insured cut full coverage only to find out they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.

People change insurance companies for any number of reasons including extreme rates for teen drivers, policy cancellation, denial of a claim and delays in paying claims. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

In this article, we presented a lot of information how to lower your 2007 Dodge Sprinter Cargo insurance rates. The key concept to understand is the more you quote, the better your comparison will be. Drivers may discover the lowest priced insurance coverage comes from a small mutual company.

Even more information can be read by following these links:

• Teen Driving Statistics (iihs.org)
• What is a Telematics Device? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Liability Insurance Coverage (Nationwide)
• What is Full Coverage? (Allstate)

Use our FREE quote tool to compare rates now!