2006 Dodge Sprinter Cargo Car Insurance Quotes

Are you drained from sacrificing other expenses to pay high insurance rates every month? You are in the same boat as the majority of other people. There is such a variety of insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more challenging to get the best deal.

How to get free insurance coverage quotes online

Finding more affordable insurance coverage rates is pretty simple and can save money. All that’s required is to spend a few minutes on the computer comparing rate quotes to see which company has affordable auto insurance quotes. This can be done using one of these methods.

1. If you are pressed for time, the simplest way to get quotes for comparison is a comparison rater form like this one (opens in new window). This style of form eliminates the need for repetitive form entry for each company. Filling out one form will return price quotes from multiple low-cost companies.
2. A slightly less efficient method to find more affordable insurance requires visiting each company website and go through the quote process again. For instance, let’s say you want rates from Farmers, Safeco and Allstate. In order to compare rates, you need to spend time on each company’s site and enter your information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.
3. The least efficient method to get rate quotes is actually driving to each insurance agency near you. The fact that you can get quotes online reduces the need to sit down with an agent unless you require the personal advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to comparison shop online but buy from a local insurance agent.

It doesn’t matter which method you choose, just make sure you are using the same coverage data with every price quote. If you use different deductibles it will be very difficult to make a fair comparison for your Dodge Sprinter Cargo.

Don’t believe everything you hear

Consumers can’t avoid all the ads that claim the cheapest rates from companies such as State Farm, Allstate and Geico. All the ads tend to make the same promise that you can save if you change your insurance coverage policy to them.

How does each company charge lower premium rates? It’s all in the numbers.

Companies have an ideal profile for the type of driver that will be a good risk. A good example of a profitable customer should be married and over the age of 30, has few claims, and drives newer vehicles. Any new insured who fits that profile will probably get cheap rates and as a result will probably save when switching.

Drivers who fall short of those criteria will be charged higher rates with the end result being the customer not buying. The trick companies use is to say “people that switch” not “all people who quote” save that much. This is how insurance companies can confidently advertise the way they do.

Because of the profiling, drivers must compare quotes as often as possible. It is impossible to predict which insurance companies will have better premium rates than you’re paying now.

Smart buyers save every year

Many different elements are considered when you quote your car insurance policy. Most are fairly basic like your driving record, although some other factors are less obvious like where you live or your commute time.

Listed below are some of the most common factors used by your company to calculate your prices.

• Traffic violations can be expensive – Your driving citation history has a big impact on rates. Careful drivers receive lower rates than bad drivers. Having just one driving citation may increase your cost by as much as thirty percent. People who have flagrant violations like DUI or reckless driving may be required to complete a SR-22 with their state in order to drive a vehicle legally.
• Never let your insurance coverage policy lapse – Driving with no insurance can get you a ticket and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will insurance be more expensive, getting caught without coverage may earn you a fine, jail time, or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Liability insurance safeguards assets – The liability coverage on your policy will protect you when you are found liable for an accident. Your liability coverage provides legal defense coverage starting from day one. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Vehicles with better crash test results means cheaper insurance coverage rates – Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims passed on to you as lower rates.
• Is you job costing you more? – Did you know your insurance coverage rates can be affected by your occupation? Careers like lawyers, business owners and emergency personnel generally pay the highest rates due to intense work requirements and lengthy work days. Other jobs like farmers, historians and homemakers pay the least on Sprinter Cargo insurance.
• Get better prices if you’re married – Having a wife or husband can get you a discount on your insurance coverage bill. Having a significant other generally demonstrates drivers are less irresponsible and statistics prove drivers who are married are more cautious.
• How credit history affects insurance coverage prices – A driver’s credit score is a big factor in determining what you pay. So if your credit could use some work, you could save money insuring your 2006 Dodge Sprinter Cargo by taking the time to improve your credit score. Insureds that have high credit ratings tend to file fewer claims than drivers with lower credit ratings.
• City traffic equals higher rates – Choosing to live in a rural area has definite advantages when talking about insurance coverage. Drivers in populated areas tend to have much more traffic and higher rates of accident claims. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.

Verify you’re earning every discount

Insurance can cost an arm and a leg, but companies offer discounts that many consumers don’t even know exist. Certain credits will be shown at the time of purchase, but some discounts are required to be specially asked for before being credited.

• Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
• Life Insurance – If the company offers life insurance, you could get a lower premium rate if you buy some life insurance too.
• Driver Safety – Taking a class that teaches safe driver techniques may get you a small discount and easily pay for the cost of the class.
• Distant Student – Youth drivers who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
• Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
• Telematics Devices – Drivers that enable companies to spy on driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
• Discounts for Government Workers – Federal government employees can earn a discount up to 10% on Sprinter Cargo insurance with some car insurance companies.
• Early Signing – Select insurance companies give a discount for buying a new policy before your current expiration date. The savings is around 10%.
• Multiple Policy Discount – If you can bundle your home and auto insurance with one company you may save 10% to 20% off each policy.
• Driver’s Education for Students – Teen drivers should sucessfully take a drivers education course if offered at their school.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic. Any amount of discount will bring down the cost of your policy.

Companies that may offer quotes with some of the discounts shown above include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

When getting a coverage quote, ask each insurance company to apply every possible discount. Some of the earlier mentioned discounts might not apply in your area. To choose insurers that have a full spectrum of discounts, follow this link.

When should I discuss my situation with an agent?

When choosing coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

• Why am I required to buy high-risk coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Does having multiple vehicles earn me a discount?
• When should I drop full coverage on my 2006 Dodge Sprinter Cargo?
• Am I covered when driving on a suspended license?
• Is my state a no-fault state?
• What are the best liability limits?
• Am I covered if I break a side mirror?
• Am I getting all the discounts available?
• Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Coverages available on your policy

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Liability coverage

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like court costs, medical services, legal defense fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your Sprinter Cargo from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, hitting a mailbox, driving through your garage door, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Sprinter Cargo.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, falling objects and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

And the best car insurance company is…

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that they should have had better coverage. The goal is to buy enough coverage at the best price but still have enough coverage for asset protection.

Cheaper 2006 Dodge Sprinter Cargo insurance is definitely available online and from local agencies, and you need to price shop both to have the best rate selection. Some companies may not have the ability to get a quote online and most of the time these smaller providers sell through independent insurance agencies.

We covered a lot of information how to get a better price on 2006 Dodge Sprinter Cargo insurance. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the lowest prices are with some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates compared to the large companies like Geico and State Farm.

Much more information about insurance coverage can be read at these links:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• Rollover Crash FAQ (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)