Dodge Sprinter 3500 Insurance for Tightwads
If buying car insurance was fun, we'd do it as a recreational sport. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Finding good insurance for your Dodge Sprinter 3500 probably leaves you feeling the same way.
Step One: Insurance Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Now that we have the internet, shopping for car insurance online is a snap!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Dodge Sprinter 3500 without even visiting their websites!
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Sprinter 3500.
Step Two: Top Ways to Get Lower Sprinter 3500 Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Sprinter 3500 insurance rates.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- If you're a young driver, you will pay more to insure a Sprinter 3500. There isn't anything you can do about your age, but rates will drop as you mature.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- How is your credit rating? The better credit you have, the less insurance will cost for your Sprinter 3500. If you have bad credit, work on improving your credit score and repair past credit problems.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
Step Three: Buy the Best Policy
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
Coverage will extend from your current policy if you're buying a Dodge Sprinter 3500, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Sprinter 3500 won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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