2006 Dodge Sprinter Insurance Cost

Finding low-cost insurance for a new or used Dodge Sprinter can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for car insurance and we’ll show you the quickest way to compare rates for a Dodge and locate the best price possible from local insurance agents and online providers.

Buying more affordable car insurance can be fairly easy. If you have a current car insurance policy or need a new policy, you can use these tips to find the best rates while maintaining coverages. Drivers just need to know how to get comparison quotes online.

Take discounts and save

Insurance can be prohibitively expensive, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically at quote time, but less common discounts must be specifically requested prior to receiving the credit. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Sprinter insurance than their less cautious counterparts.
  • Claim Free – Drivers who don’t have accidents pay less when compared to frequent claim filers.
  • Homeowners Pay Less – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up over the internet.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.

Consumers should know that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, car insurance companies aren’t that generous. But any discount will bring down the amount you have to pay.

A partial list of companies that may have some of the above discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in your state.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need replacement cost coverage on my 2006 Dodge Sprinter?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I getting all the discounts available?
  • Should I bundle my homeowners policy with my auto?
  • Do I need roadside assistance coverage?
  • Does my 2006 Dodge Sprinter need full coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Can you really save that much by switching?

Drivers constantly see and hear ads that promise big savings by State Farm and Allstate. They all seem to make the same claim that you’ll save big if you change to their company.

How do they all say the same thing?

Different companies have a certain “appetite” for the right customer that earns them a profit. For example, a profitable customer could be between 30 and 50, insures multiple vehicles, and has a short commute. Any driver who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who fall outside the “perfect” profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save that much. That’s why companies can make those claims.

That is why you need to quote coverage with many companies. It’s not possible to predict which insurance companies will give you the biggest savings on Dodge Sprinter insurance.

Auto insurance policy coverages for a 2006 Dodge Sprinter

Understanding the coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, vandalism and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses like surgery, nursing services and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Sprinter.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are set the same as your liablity limits.

Liability car insurance – This provides protection from damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like bail bonds, legal defense fees, court costs, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision – This covers damage to your Sprinter resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Smart consumers save more

Insureds switch companies for a number of reasons such as policy non-renewal, being labeled a high risk driver, denial of a claim or lack of trust in their agent. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

As you shop your coverage around, do not buy less coverage just to save a little money. There are many occasions where someone sacrificed collision coverage to discover at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

We just covered some good ideas how to shop for 2006 Dodge Sprinter insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies.

Additional detailed information is located in these articles: