2011 Mercedes-Benz Sprinter Car Insurance Quotes

Want lower auto insurance rates? Drivers have lots of choices when trying to find affordable Mercedes-Benz Sprinter insurance. You can either spend your time struggling with agents to compare prices or save time using the internet to find the lowest rates.

There are more efficient ways to compare auto insurance rates and you need to know the best way to compare rates for your Mercedes-Benz and locate the lowest possible price from both online companies and local agents.

It’s smart to quote other rates yearly since prices go up and down regularly. Just because you had the best deal on Sprinter coverage two years ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re going to learn the only way to find lower rates on auto insurance.

Discounts to earn cheaper insurance rates

Insurance is neither fun to buy or cheap, but companies offer discounts to help bring down the price. Certain reductions will be credited when you complete an application, but occassionally some discounts must be asked about before they will apply.

• Active Service Discounts – Being on active duty in the military could be rewarded with lower premium rates.
• First Accident Forgiveness – Not really a discount, but a few companies such as Geico, State Farm, and Progressive may permit one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
• Savings for New Vehicles – Putting coverage on a new car may earn a small discount since new model year vehicles have better safety ratings.
• Government Employees – Active or former government employment can save as much as 8% on Sprinter coverage but check with your company.
• Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
• Senior Discount – Seniors are able to get a discount up to 10% on Sprinter coverage.
• Defensive Driving Course – Taking part in a course that instructs on driving safety could save 5% or more if you qualify.
• Renewal Discounts – Select insurance companies give a discount for buying a new policy before your current policy expires. It can save you around 10%.

We need to note that some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of companies and some of the discounts can be found below.

• State Farm discounts include safe vehicle, Drive Safe & Save, multiple policy, driver’s education, and multiple autos.
• American Family includes discounts for early bird, air bags, multi-vehicle, TimeAway discount, and bundled insurance.
• AAA has savings for AAA membership discount, education and occupation, good student, pay-in-full, multi-car, and good driver.
• Geico offers discounts including five-year accident-free, defensive driver, daytime running lights, anti-theft, and driver training.
• Mercury Insurance has discounts for type of vehicle, multi-car, good driver, annual mileage, multi-policy, ease of repair, and good student.
• Farmers Insurance may have discounts that include teen driver, mature driver, alternative fuel, pay in full, switch companies, and electronic funds transfer.
• Progressive offers discounts for online quote discount, multi-policy, multi-vehicle, online signing, good student, continuous coverage, and homeowner.

When getting free car insurance quotes, it’s a good idea to each company or agent which discounts can lower your rates. Some credits might not be offered in your area. If you would like to see a list of providers with significant discounts, click here to view.

How to find low cost car insurance

Getting a low cost price on 2011 Mercedes-Benz Sprinter insurance is pretty simple and can save money. The only thing you need to do is spend a few minutes comparing rates from online providers. Rate comparisons can be done using a couple different methods.

• The most recommended method consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form saves time by eliminating repetitive form submissions for each price estimate. Taking the time to complete one form will return price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
• A less efficient way to compare prices requires a trip to the website for each individual company to complete a price quote. For examples sake, we’ll assume you want to compare rates from Nationwide, Esurance and State Farm. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.
• The hardest way to do your price quoting is to drive around to insurance agents’ offices. The internet makes this unnecessary unless you prefer the guidance of a local agent. Drivers can get prices online and get advice from an agent in your area.

Which method you use is up to you, but double check that you are using equivalent information for every company. If you have different data you will not be able to find the best deal for your Mercedes-Benz Sprinter.

Informed decisions result in lower insurance rates

Many factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but some are less apparent such as your marital status or your financial responsibility.

The itemized list below are just a few of the factors insurance coverage companies consider when setting your prices.

• Choose high NHTSA crash test ratings and save – Cars with high safety ratings tend to be cheaper to insure. Safer cars reduce occupant injuries and reduced instances of injuries translates into savings for insurance companies and lower rates for you. If your Mercedes-Benz Sprinter scored at minimum four stars on Safercar.gov you may pay a lower rate.
• Drive lots and pay more – The higher the mileage driven every year the higher the price you pay to insure it. Almost all companies charge to insure your cars based on their usage. Vehicles that are left in the garage qualify for better rates than those used for commuting. Double check that your insurance coverage declarations sheet reflects how each vehicle is driven, because improper ratings can cost you money. An improperly rated Sprinter can cost quite a bit.
• Is insurance coverage cheaper for females or males? – The statistics show women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Both sexes have auto accidents in similar percentages, but males tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI. Young males have the highest risk to insure so it costs more to insure them.
• Avoid traffic tickets – A bad driving record has a lot to do with how much you pay for insurance. Careful drivers get better rates compared to bad drivers. Just one citation can boost insurance rates twenty percent or more. People who have careless citations like DUI or willful reckless driving may need to file a SR-22 with their state DMV in order to legally drive a vehicle.
• More traffic equals higher costs – Choosing to live in less populated areas of the country is a positive aspect when talking about insurance coverage. Fewer drivers on the road translates into fewer accidents in addition to fewer liability claims. Urban drivers have much more traffic and a longer drive to work. More time on the road can result in more accidents.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions could help you determine if your situation will benefit from professional help.

• Is motorclub coverage worth it?
• Exactly who is provided coverage by my policy?
• Am I insured when driving a different vehicle?
• Does my insurance cover a custom paint job?
• What vehicles should carry emergency assistance coverage?
• What if I total my 2011 Mercedes-Benz Sprinter and owe more than it’s worth?
• Am I covered when using my vehicle for business?
• Do I need replacement cost coverage on my 2011 Mercedes-Benz Sprinter?
• I don’t drive much so do I pay less?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance myths debunked

Consumers can’t ignore all the ads that claim the best premium rates by companies like Progressive, Allstate and Geico. All the ads tend to make the same promise that drivers can save some big amount just by moving your car insurance policy to them.

How can each company charge less that you’re paying now? Just pay attention to how they say it.

All the different companies look for specific characteristics for the type of driver that will be a good risk. For instance, a desirable insured could possibly be over the age of 35, has never had a claim, and drives a safe vehicle. Someone that matches those criteria is entitled to the best price and therefore will cut their rates substantially.

Consumers who are not a match for these standards will probably be forced to pay a higher rate which leads to the customer not buying. If you listen to the ad wording, they say “people that switch” but not “all drivers who get quotes” save the amount stated. That’s why insurance companies can confidently make it sound like they have such great prices.

Each company has different criteria, so you absolutely need to do a price quote comparison at every renewal. It is impossible to guess which car insurance company will give you lower premium rates than your current company.

The coverage is in the details

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, falling objects and damage from a tornado or hurricane. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This covers damage to your Sprinter resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your 2011 Mercedes-Benz Sprinter.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Liability coverages

This protects you from damage that occurs to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like pain medications, dental work and prosthetic devices. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Make a quick buck

When searching for the cheapest car insurance quotes, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford.

Discount 2011 Mercedes-Benz Sprinter insurance can be sourced both online and with local insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. A few companies may not have price quotes online and most of the time these small, regional companies work with independent insurance agencies.

We’ve covered a lot of tips how to lower your 2011 Mercedes-Benz Sprinter insurance prices. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest car insurance. Consumers could even find that the lowest prices come from a lesser-known regional company.

Other learning opportunities

• Child Safety FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)