Compare 2006 Dodge Sprinter Cargo Car Insurance Rates

Searching for lower auto insurance rates for your Dodge Sprinter Cargo? Are you intimidated by the sheer number of auto insurance companies that you can choose from? You’re not alone. You have so many choices that it is a challenge to locate the lowest premium rates.

Consumers should take time to get comparison quotes as often as possible because prices are rarely the same from one policy term to another. If you had the best deal on Sprinter Cargo coverage a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best methods to properly buy coverages while reducing your premium.

If you have car insurance now, you should be able to lower your premiums substantially using this information. Pricing the best coverage is not that difficult. Nevertheless, drivers need to have an understanding of how the larger insurance companies sell insurance online because it can help you find the best coverage.

Are you qualifying for every discount?

The price of auto insurance can be rather high, but you may qualify for discounts to reduce the price significantly. Some discounts apply automatically at quote time, but some need to be specially asked for before you get the savings.

  • Discount for Good Grades – Being a good student may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you up until you turn 25.
  • Bundled Policy Discount – If you combine your auto and home policies with the same insurance company you could get a discount of at least 10 to 15 percent or more.
  • Good Driver Discount – Insureds without accidents can pay as much as 50% less on Sprinter Cargo coverage than drivers with accident claims.
  • Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small decrease in premiums on Sprinter Cargo coverage.
  • Multi-line Discount – Insurance companies who offer life insurance give a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Membership in Organizations – Participating in a qualifying organization could qualify you for a break on your policy.

Discounts lower rates, but some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works.

A list of insurance coverage companies and the discounts they provide are detailed below.

  • GEICO offers discounts for multi-policy, seat belt use, good student, membership and employees, military active duty, air bags, and anti-theft.
  • Travelers may offer discounts for save driver, good student, new car, driver training, home ownership, multi-policy, and continuous insurance.
  • Nationwide has discounts for anti-theft, multi-policy, Farm Bureau membership, easy pay, and business or organization.
  • Farmers Insurance offers discounts including switch companies, bundle discounts, distant student, good student, electronic funds transfer, alternative fuel, and pay in full.
  • Esurance has savings for Pac-12 alumni, multi-policy, DriveSense, emergency road assistance, defensive driver, online quote, and multi-car.
  • State Farm policyholders can earn discounts including multiple policy, Steer Clear safe driver discount, accident-free, good student, anti-theft, safe vehicle, and good driver.
  • Progressive offers premium reductions for online signing, multi-vehicle, homeowner, good student, online quote discount, and continuous coverage.
  • Mercury Insurance may have discounts that include type of vehicle, annual mileage, anti-theft, good student, location of vehicle, ease of repair, and multi-car.

When getting a coverage quote, ask each company or agent which discounts can lower your rates. A few discounts might not be offered in your area. For a list of providers who offer free insurance coverage quotes, click here to view.

When in doubt talk to an agent

When choosing adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • What happens if I owe more than my 2006 Dodge Sprinter Cargo is worth?
  • How can I force my company to pay a claim?
  • Do I have coverage if my license is suspended?
  • How much liability do I need to cover my assets?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when delivering products for my home-based business?
  • Are my friends covered when driving my 2006 Dodge Sprinter Cargo?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage options for a 2006 Dodge Sprinter Cargo

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills such as dental work, funeral costs, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, a broken windshield, a tree branch falling on your vehicle, hail damage and hitting a deer. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This pays for damage to your Sprinter Cargo resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Sprinter Cargo.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Liability coverages

Liability insurance will cover damage or injury you incur to other people or property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, court costs and structural damage. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Save your cold hard cash

Consumers leave their current company for many reasons like policy cancellation, unfair underwriting practices, an unsatisfactory settlement offer or poor customer service. Regardless of your reason, finding the right insurance provider can be easier than you think.

We’ve covered many tips how you can lower your 2006 Dodge Sprinter Cargo insurance premium rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding affordable insurance coverage. You may even discover the biggest savings come from some of the lesser-known companies.

Low-cost 2006 Dodge Sprinter Cargo insurance can be purchased online and from local agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and these smaller companies only sell coverage through independent agencies.

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