I can’t think of a single person who likes paying for car insurance, especially when they are paying too much.
Insurance companies such as GEICO, Farmers Insurance and State Farm all claim big savings with ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.
If you have car insurance now, you will most likely be able to cut costs considerably using these methods. Finding affordable coverage is not rocket science. Nevertheless, vehicle owners must understand how big insurance companies compete online and apply this information to your search.
Dodge Sprinter 3500 insurance rates are influenced by…
An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with lower car insurance prices.
The following are a few of the “ingredients” used by your company to calculate rates.
- Your age impacts your rates – Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Youthful drivers are statistically proven to be less responsible in a vehicle therefore car insurance rates are much higher.
- Frequent car insurance claims increase rates – If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Companies award cheaper rates to insureds who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
- Liability coverage is cheap – Liability coverage provides coverage if ever a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
- High performance equals high price – The performance of the car you are buying insurance for makes a substantial difference in how high your rates are. The cheapest insurance rates are generally reserved for lower performance four cylinder passenger cars, but there are many factors that impact the final cost. Since the Dodge Sprinter 3500 is a van and minivan, insuring your vehicle will cost similar in price than the average rate where you live.
- Big city or small town – Residing in small towns and rural areas is a positive aspect when buying car insurance. Fewer people translates into fewer accidents. City drivers tend to have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.
- Bad driving skills means higher rates – Good drivers get better rates than bad drivers. Only having one ticket can increase rates by as much as thirty percent. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
- Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. They both tend to get into accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations such as DWI and reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
Automobile Insurance Quotes
There are several ways to shop for car insurance, but there is one way that is more efficient than others. You can waste hours discussing policy coverages with agents in your area, or you can utilize online quotes to quickly compare rates.
Most of the best insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and each participating company returns a competitive quote based on that data. This system prevents you from having to do quotation requests to each company. To compare pricing click to open in new window.
The only drawback to comparing rates this way is you cannot specify the companies you will receive quotes from. So if you want to select individual companies to compare prices, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.
However you get your quotes, ensure you are comparing identical information for every company. If your comparisons have unequal deductibles or liability limits it’s not possible to make an equal comparison. Slightly different coverages could mean much higher rates. And when quoting car insurance, remember that having more price comparisons provides better odds of finding the best offered rates.
Can switching companies really save?
State Farm, Allstate and GEICO continually stream television and radio advertisements. All the companies make an identical promise that you can save after switching to their company. How do they all say the same thing? This is how they do it.
Insurance companies can use profiling for the type of driver they prefer to insure. An example of a preferred risk might be between 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.
Consumers who fall outside this ideal profile will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently make those claims.
Because of the profiling, you should get a wide range of price quotes. It is impossible to predict which car insurance company will have the lowest rates.
Save big with these discounts
The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but some must be requested specifically prior to getting the savings.
- Defensive Driving Course – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Multi-car Discount – Having more than one vehicle on the same car insurance policy could earn a price break for each car.
- Organization Discounts – Belonging to a qualifying organization may earn a discount on car insurance for Sprinter coverage.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
- No Accidents – Good drivers with no accidents pay less when compared with bad drivers.
- Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Consumers should know that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount will bring down the cost of coverage.
For a list of companies with the best car insurance discounts, click here.
Your insurance agent down the street
A small number of people would rather get advice from a local agent and there is nothing wrong with that. One of the best bonuses of comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent. And supporting small agencies is definitely important in smaller communities.
For easy comparison, once you complete this short form, the quote information is sent to local insurance agents who will give you bids for your coverage. You never need to leave your computer as quotes are delivered immediately to your email address. How’s that for easy! You can find better rates AND a local agent.
If you wish to view a list of agents in your state to contact, click here.
Selecting an provider shouldn’t rely on just the bottom line cost. Ask your prospective agent these questions:
- Are claims handled at the agent’s location?
- Do the coverages you’re quoting properly cover your vehicle?
- Are they properly licensed to sell insurance in your state?
- Are they able to influence company decisions when a claim is filed?
- Do they specialize in personal lines coverage?
- How long have they worked with personal auto insurance coverage?
- Is the agency involved in supporting local community causes?
After receiving acceptable answers to all your questions and an acceptable price quote, you’ve probably found an provider that will insure your vehicles.
Insurance agents can help
When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions can aid in determining whether you might need professional guidance.
- Does my personal policy cover me when driving my company car?
- Why am I required to get a high-risk car insurance policy?
- Is my nanny covered when driving my vehicle?
- Should I have combined single limit or split liability limits?
- Does my car insurance cover rental cars?
- Do I need rental car coverage?
If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
Smart consumers save more
Cheap Dodge Sprinter 3500 insurance can be bought from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.
We just showed you some good ideas how you can lower your Dodge Sprinter 3500 insurance rates. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even find the most savings is with the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.
