2014 Mercedes-Benz Sprinter Insurance Quotes – 10 Tips for Best Rates

Looking for the cheapest car insurance rates for your Mercedes-Benz Sprinter? Are you drained from being strong-armed to pay your car insurance bill each month? You are no different than most other vehicle owners. There are many insurance companies to buy insurance from, and even though it’s nice to have a choice, more choices can make it harder to find the best rates for your vehicles.

Finding affordable coverage is not rocket science. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Drivers just need to know the proper way to shop over the internet.

The quickest way to compare insurance rates in your area is to know auto insurance companies provide online access to give free rates quotes. All consumers are required to do is provide the companies a bit of rating information like if your license is active, whether you are married, how old drivers are, and daily mileage. That information is then submitted to many of the top insurers and they respond with quotes instantly.

To find lower rates now, click here and enter the information requested.

There’s no such thing as the perfect car insurance policy

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if you could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • When would I need rental car insurance?
  • Do I benefit by insuring my home with the same company?
  • Is my babysitter covered when using my vehicle?
  • At what point should I drop full coverage?
  • Does my 2014 Mercedes-Benz Sprinter need full coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need replacement cost coverage?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance coverage breakdown

Learning about specific coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses like X-ray expenses, ambulance fees, pain medications, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Sprinter caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz Sprinter.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, vandalism, damage from flooding, falling objects and hail damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, emergency aid, bail bonds, court costs and loss of income. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comments About 2014 Mercedes-Benz Sprinter Insurance

  1. Venice Howard

    Progressive is cheapest in Iowa! :)

  2. Burton Greene

    I compared a lot of rate quotes for a 2014 Mercedes-Benz Sprinter in Bridgeport, CT. Ended up at about $490 every six months with Auto-Owners. Good savings if you bundle. Just waiting to see how claims go.

  3. Yolonda Williamson

    What is UM/UIM coverage?

  4. Cheryll Martinez

    Cheap is relative. Lifelong resident of Louisville, Kentucky. Compared quite a few companies. Saved roughly $20 a month. State Farm was the cheapest for me. Insured with AAA before.

  5. Brinda James

    If you have a clean record and live around Las Vegas, NV, check out Allstate. They seem to be cheaper.

  6. Aleen Allen

    Anyone buy from American Family? I’m in North Charleston, SC.

  7. Lilia Love

    I live in Fairbanks, AK. Got quotes from Auto-Owners, Mercury, and a few others for my Sprinter and saved just over $440 a year. Was with Hanover.

  8. Valentin James

    I live north of Atlanta, GA. Got car insurance prices from 21st Century, AIG Insurance, and Esurance for my 2014 Mercedes-Benz Sprinter and I think I saved about $70 each month. It’s still not cheap enough.

  9. Berry Love

    Hope my car insurance gets cheaper. I’m in the west part of Oklahoma City, OK. I quoted with Liberty Mutual, American Family, Nationwide, and a couple others for my Mercedes-Benz and saved $225 a year. Switched homeowners coverage too.

  10. Hailey Goodman

    If you’re a decent driver and live near Saint Louis, MO, check out Allstate. You might get cheaper rates.

  11. Dexter Yates

    Thanks for putting this site together. Live in the western part of Lexington, Kentucky. Got quotes with Allstate, GMAC, and Eastwood for my Mercedes-Benz and am saving around $530 a year. A clean driving record helps.

  12. Fidelia Andrews

    Anyone buy from American Family? I’m in Tampa, FL.

  13. Glady Schwartz

    Nice post. I live just outside Hilo, HI. Got quotes with Mercury, Encompass, State Farm, and Amica for my Mercedes-Benz and I think I saved about $60 each month.

  14. Willene Mcgee

    Lots of useful info here. From northwest of New Orleans, LA. Got free quotes online for a 2014 Mercedes-Benz Sprinter. Ended up at about $180 savings annually. Went with Progressive. I’m a pretty good driver though. I used their website to get prices.

  15. Donnie Rhodes

    From a town just southwest of Parkersburg, West Virginia. Can’t remember who all I quoted but I ended up saving about $30 each month.

  16. Lillie Hanson

    Located in Memphis, TN. Quoted quotes from AAA, Sentry, and some smaller one I can’t remember the name of for my Sprinter and saved around $290 a year. You can get a rate quote online.