View 2006 Dodge Sprinter Insurance Quotes

Having to pay for overpriced Dodge Sprinter insurance can overdraw your checking account and force you to prioritize other expenses. Comparing price quotes is a smart way to cut your insurance bill. Numerous insurers battle to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rates possible.

If you have a current insurance coverage policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is not rocket science. Vehicle owners just need to know the most effective way to buy insurance coverage over the internet.

Dodge Sprinter insurance premiums are calculated by many factors

It’s important that you understand the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • Keep rates low by being claim-free – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies generally give cheaper rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Protect your assets with liability insurance – Liability insurance will protect you in the event that you are found liable for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Always keep insurance in force – Not having insurance is against the law and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage will get you a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.

How to Get Cheap Car Insurance

Getting a cheaper price on 2006 Dodge Sprinter insurance can be quick and easy. The only requirement is to take a few minutes to get quotes online with multiple companies. This can be done in a couple of different ways.

  1. One of the best ways consumers can analyze rates is a comparison rater form click here to open form in new window. This method prevents you from having to do separate quotation requests for each company you want a rate for. One quote request will get you rate comparisons direct from many companies.
  2. A slightly less efficient method to get quotes online requires a visit to each company website and request a quote. For sake of this example, let’s say you want to compare rates from USAA, Allstate and Farmers. You would have to visit each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient method of getting rate comparisons is to waste gas driving to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional guidance of a licensed agent. Drivers can obtain prices from the web but buy from a local insurance agent and we’ll touch on that later.

Whichever way you use, ensure you’re using exactly the same information for every company. If the quotes have differing limits then you won’t be able to find the best deal for your Dodge Sprinter.

Misconceptions in car insurance advertisements

Consumers can’t get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim of big savings if you switch your policy.

But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver they prefer to insure. For instance, a profitable customer could possibly be between 30 and 50, a clean driving record, and has a short commute. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don’t meet this ideal profile will be quoted a more expensive rate which leads to the driver buying from a lower-cost company. The ads say “people who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can advertise the savings.

This emphasizes why you need to quote coverage with many companies. Because you never know which car insurance company will fit your personal profile best.

How to save on Dodge Sprinter insurance

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you purchase, but some may not be applied and must be specially asked for before you get the savings. If you’re not getting every credit possible, you are throwing money away.

  • Passive Restraint Discount – Cars that have air bags can get savings of up to 25% or more.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Accident Free – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Memberships – Participating in a civic or occupational organization could trigger savings when shopping for car insurance on Sprinter coverage.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Sprinter coverage with certain companies.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Resident Student – Any of your kids who live away from home and do not have a car can receive lower rates.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Sprinter coverage than drivers with accident claims.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will cut your premiums.

Car insurance companies who might offer these benefits may include but are not limited to:

Double check with every prospective company how you can save money. Discounts might not apply everywhere.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I drive in a foreign country?
  • Should I buy full coverage?
  • Is business property covered if stolen from my car?
  • Will I lose any money if I cancel my policy before it expires?
  • What is the difference between comprehensive and collision coverage?
  • What are the best liability limits?
  • Is my Dodge Sprinter covered if I use it for business?
  • What is an SR-22 filing?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Car insurance coverages for a 2006 Dodge Sprinter

Knowing the specifics of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like dental work, surgery, hospital visits, prosthetic devices and pain medications. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage will pay to fix damage to your Sprinter resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from getting keyed and fire damage. The maximum amount a car 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 (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your 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. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as court costs, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Make a quick buck

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced liability coverage limits only to regret that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

We covered quite a bit of information on how to lower your 2006 Dodge Sprinter insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the best prices are with a small local company. Some small companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

Additional car insurance information is located on the following sites: