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2009 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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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.

Purchasing cheap auto insurance on the web may be somewhat difficult for consumers not familiar with shopping for insurance online. Since there are so many insurance companies available, how can consumers have a chance to compare them all to find the cheapest available price?

Buying car insurance is easy if you know what you’re doing. Just about everyone who buys insurance should be able to cut their insurance bill. But vehicle owners can benefit by having an understanding of the way insurance companies sell online and use this information to your advantage.

Comprehensive Auto Insurance Comparison

Shopping for lower auto insurance rates can be a lot of work if you don’t understand the easiest way. You could spend your day discussing policy coverages with agents in your area, or you can utilize the web for quick rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company can provide price quotes determined by their information. This eliminates the need for quote forms for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

One minor caviat to pricing coverage this way is buyers cannot specifically choose the providers you want pricing from. If you wish to select individual companies to receive pricing from, we have a listing of auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples quote information for each comparison quote. If you use unequal deductibles or liability limits you can’t possibly make a fair comparison for your Dodge Sprinter Cargo. Just a small difference in coverages could mean much higher rates. And when comparison shopping, comparing more company’s prices will improve the odds of getting a lower rate.

Discounts to lower Dodge Sprinter Cargo insurance rates

Companies offering auto insurance don’t necessarily list every discount very well, so we researched both the well known as well as the least known auto insurance savings.

  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could qualify for discounted rates on garaged vehicles.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more if you qualify.

Consumers should know that most discount credits are not given the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, it just doesn’t work that way.

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

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions could help you determine if your situation would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is my babysitter covered when using my vehicle?
  • Is extra glass coverage worth it?
  • Which is better, split liability limits or combined limits?
  • When can I cancel my policy?
  • Am I insured when driving a different vehicle?
  • Should I get collision insurance on every vehicle?
  • Are rental cars covered under my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Free Auto Insurance Comparison

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

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Coverage specifics

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

Liability car insurance – Liability coverage will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers 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 coverage pays for things like damage from flooding, theft and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – This coverage pays for damage to your Sprinter Cargo resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

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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