How Much Does 2006 Dodge Sprinter Insurance Cost?

Searching for the cheapest auto insurance rates for your Dodge Sprinter? Do you get exhausted from robbing Peter to pay Paul to insure your Dodge every month? You have the same problem as many other consumers.

Multiple car insurance companies compete for your insurance dollar, so it’s not easy to compare every company and uncover the absolute lowest rate possible.

Where can I get low cost auto insurance?

All the larger auto insurance companies give prices from their websites. Comparing rates online can be done by anyone as you just enter the amount of coverage you want as requested by the quote form. Once entered, the system will order reports for credit and driving violations and quotes a price based on the data you entered. Being able to quote online simplifies rate comparisons, but the work required to visit many different websites and type in your information is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible if you want to get the lowest possible prices on auto insurance.

There is a better way to compare rates

The smarter way to locate the lowest prices uses one simple form that analyzes rates from several companies at one time. It’s a real time-saver, requires less work, and makes rate comparisons much easier. After sending the form, it is rated and you can choose any of the resulting price quotes. If you find a better price you can simply submit the application and purchase the new policy. It takes 15 minutes at the most and you’ll know if lower rates are available.

In order to find out how much you’re overpaying now, click here and input your coverage information. If you have a policy now, it’s recommended you copy coverages and limits as shown on your current policy. Doing this guarantees you will be getting a rate comparison using the exact same coverages.

Discounts to earn cheap insurance rates

Car insurance can cost a lot, but there could be available discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but some discounts are required to be requested specifically before you will receive the discount.

  • Student in College – College-age children who are attending college without a vehicle on campus may qualify for this discount.
  • Save over 55 – Older drivers are able to get a discount up to 10% for Sprinter insurance.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off PIP or medical payments premium.
  • Homeowners Savings – Just owning your own home may trigger a policy discount on insurance since home ownership requires a higher level of personal finance.
  • Student Discounts – Being a good student may save you up to 25%. Most companies allow this discount up to age 25.
  • Telematics Discount – Drivers who agree to allow companies to study where and when they drive by using a telematic data system such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.
  • Low Mileage – Fewer annual miles on your Dodge could earn slightly better rates than normal.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.

Consumers should know that most credits do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Just because you may think you could get a free insurance policy, you won’t be that lucky.

If you would like to view insurers that offer some of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Why am I required to buy liability insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I benefit by insuring my home with the same company?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I afford low physical damage deductibles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a blown tire covered by insurance?
  • Can I still get insurance after a DUI?
  • Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Informed drivers can lower their insurance prices

Many factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although some other factors are less apparent such as your marital status or how financially stable you are.

  • Safer cars mean better rates – Cars with high safety ratings cost less to insure. Highly rated vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you.
  • Youthful drivers are expensive to insure – Young drivers tend to be more careless when at the wheel of a vehicle so auto insurance rates are higher. If you’ve ever had to add a teenage driver onto your auto insurance can be quite pricey. Older, more experienced drivers are more cautious drivers, cause fewer claims and accidents , and are generally more financially stable.
  • Urban residents pay more – Choosing to live in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Drivers who live in large cities regularly have traffic congestion and longer commutes to work. Less people translates into fewer accidents as well as less vandalism and auto theft.
  • Drive less and get lower costs – The more miles you rack up on your Dodge each year the more it will cost to insure it. The majority of insurers rate vehicles based upon how the vehicle is primarily used. Vehicles that sit idle most of the time qualify for better rates than cars that get driven a lot. Incorrect rating for your Sprinter can result in significantly higher rates. Make sure your auto insurance policy properly reflects the correct usage for each vehicle.
  • Is your vehicle theft-ready? – Buying a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your car from being stolen.
  • Pay more of a claim out-of-pocket – Your deductibles tell how much you are required to spend in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some coverage claims would be rearending another vehicle, animal collisions, and damage from wind. The more money you have to pay, the less money you will pay for auto insurance for Sprinter insurance.
  • High claims frequency drives up premiums – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance companies give cheaper rates to drivers that do not abuse their auto insurance. Insurance coverage is designed for larger claims.
  • Tickets drive up rates – How you drive impacts your car insurance rates tremendously. Getting just one moving violation can increase the cost of insurance to the point where it’s not affordable. Careful drivers get better rates than bad drivers. Drivers who get multiple tickets like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state motor vehicle department in order to legally drive.

Auto insurance coverage basics

Knowing the specifics of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle, theft, rock chips in glass and hail damage. The maximum payout 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 consider removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses such as chiropractic care, ambulance fees, hospital visits, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability insurance – Liability coverage can cover damage that occurs to people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your Sprinter from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, sustaining damage from a pot hole and colliding with a tree. 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. You can also choose a higher deductible to save money on collision insurance.

Best coverage at the best price

When you buy auto insurance online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced full coverage only to regret at claim time they didn’t purchase enough coverage. The goal is to buy enough coverage at a price you can afford while not skimping on critical coverages.

More affordable insurance coverage can be bought online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide rates over the internet and most of the time these smaller providers only sell through independent insurance agencies.

We just covered quite a bit of information on how to reduce 2006 Dodge Sprinter insurance car insurance rates online. The key concept to understand is the more you quote auto insurance, the higher your chance of finding the cheapest auto insurance. You may even find the best price on insurance coverage is with the smaller companies. They may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm, Geico and Nationwide.

More detailed insurance coverage information can be read at these sites: