Dodge Sprinter Insurance Rates

There are many options when shopping for insurance coverage for your Dodge Sprinter. You can get prices from a local agent or get quotes online to compare insurance costs of insurance carriers. Shopping for car insurance by getting online quotes saves time, is easy to do and there is a good chance you might just save a little.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. Getting better Dodge Sprinter insurance cost can be relatively painless. Just take time to get quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Auto insurance rates on a Dodge Sprinter can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that will help determine Dodge Sprinter insurance rates is the model year. Models that are new have a higher replacement value in comparison to later models so the costs to repair may result in higher rates. Conversely, more recent Sprinter vehicles may have a trim level with safety features such as lane departure warning system, pedestrian detection, and tire pressure monitors which may help offset higher rates.

Liability - This will cover damage that occurs to people or other property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your Sprinter resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your Dodge Sprinter can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your Dodge Sprinter comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance program or if you do not have health coverage. PIP coverage is only offered in select states and may carry a deductible.