Cheap 2015 Mercedes-Benz Sprinter Insurance Cost

Did you make the mistake of buying an expensive insurance policy? Believe me, many consumers are in the same pinch.

Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest rate

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Finding the best rates is not rocket science. But car owners benefit from understanding the way companies compete online.

Get lower rates by taking advantage of discounts

Some insurance providers don’t always list all their discounts in an easy-to-find place, so we took the time to find a few of the more well known and also the lesser-known credits that you can use to lower your rates.

• Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Sign Online – Some of the larger companies provide a small discount just for signing your application on the internet.
• Discount for Swiching Early – Select larger companies give a discount for switching companies prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
• Good Grades Discount – Performing well in school can save 20 to 25%. The good student discount can last until age 25.
• Safe Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for Sprinter insurance as compared to drivers with claims.
• Early Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
• Discount for Life Insurance – If the company offers life insurance, you could get lower prices if you buy some life insurance too.
• College Student – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.

Policy discounts save money, but most credits do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A few of the larger companies and a partial list of their discounts are shown below.

• Progressive has discounts for homeowner, good student, continuous coverage, multi-policy, multi-vehicle, and online quote discount.
• Geico offers discounts including multi-vehicle, air bags, multi-policy, emergency military deployment, anti-theft, and federal employee.
• State Farm discounts include anti-theft, accident-free, Drive Safe & Save, driver’s education, and multiple policy.
• Esurance may have discounts that include Pac-12 alumni, homeowner, anti-lock brakes, online quote, safety device, and good student.
• The Hartford includes discounts for vehicle fuel type, good student, air bag, anti-theft, and defensive driver.

If you need inexpensive insurance quotes, ask every company which credits you are entitled to. All car insurance discounts may not be available in your state. To see a list of companies that offer discounts, click here.

How to get car insurance rate quotes

When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The easiest way to find cheaper 2015 Mercedes-Benz Sprinter rates consists of shopping online. This is very easy and can be done using a couple different methods.

• The fastest and easiest way to get quotes is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do boring form submissions for every company. Filling out one form gets you coverage quotes from car insurance companies with the best prices.
• A more difficult way to get comparison quotes is going to each company’s website and fill out their own quote form. For examples sake, let’s assume you want comparison quotes from Progressive, State Farm and Farmers. To find out each rate you need to spend time going to each site individually and type in your information over and over, which can be really labor intensive. For a list of companies in your area, click here.
• The final way to get rate quotes to and from local insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you’re the type of person who wants the guidance that only an agent can give. Drivers can comparison shop online but buy the policy through an agent.

How you compare quotes is your choice, just do your best to enter equivalent coverages with each company. If you have mixed coverages you will not be able to determine the best price for your Mercedes-Benz Sprinter. Slightly different insurance coverages could throw off the whole comparison. And when comparison shopping, quoting more increases your odds of finding the best price.

Informed drivers save every year

Many things are part of the equation when quoting car insurance. Some factors are common sense such as traffic violations, but other factors are more obscure like your continuous coverage or your financial responsibility.

The following are some of the most common factors used by your company to calculate rates.

• Car insurance liability protection limits – Liability insurance is the coverage that protects you if ever you are ruled to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage to defend your case. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• You might have higher rates if you are single – Walking down the aisle may earn you lower rates on your policy. Having a spouse translates into being less irresponsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Physical damage deductibles are a factor – Comprehensive and collision coverage deductibles define how much you are required to pay if you file a covered claim. Physical damage insurance, aka comp and collision, insures against damage to your car. A few examples of covered claims would be a windshield broken by a bird, hail damage, and having a roll-over accident. The more money you have to pay, the lower your rates will be for Sprinter insurance.
• Are you male or female? – Statistics demonstrate that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. Both sexes cause accidents in similar percentages, but males get into accidents with more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Males from age 16 to 21 cause the most accidents and therefore have the most expensive insurance rates.
• Insurance claims cost money – Auto insurance companies award most affordable rates to people who are not frequent claim filers. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is intended for major claims that would cause financial hardship.
• Age of drivers – Older insureds are more cautious drivers, file fewer claims .Inexperience drivers are statistically shown to be less responsible in a vehicle so they pay higher insurance rates.
• Add-on coverages can cost a lot – There are many extra add-on coverages that sound like a good idea at the time but may not be useful. Coverages for vanishing deductibles, high-cost glass coverage, and term life insurance are examples of these. These coverages may sound good when discussing your needs, but if you have no use for them get rid of them and save.
• Better premiums on vehicles with better crash test results – Safer cars can get you lower premiums. Vehicles built for safety protect occupants better and fewer serious injuries translates directly to fewer claims which can result in lower premiums. If your Mercedes-Benz has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

How much insurance coverage do I need?

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can aid in determining if you would benefit from professional advice.

• What is an SR-22 filing?
• What companies insure drivers after a DUI or DWI?
• Do I have coverage if my license is suspended?
• Should I buy more coverage than the required minimum liability coverage?
• How much can I save by bundling my policies?
• Why does it cost so much to insure a teen driver?
• What is medical payments coverage?
• How much underlying liability do I need for an umbrella policy?
• Is my 2015 Mercedes-Benz Sprinter covered for flood damage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as bail bonds, structural damage, loss of income, court costs and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz Sprinter.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, damage from getting keyed, a broken windshield, fire damage and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like doctor visits, ambulance fees, rehabilitation expenses, hospital visits and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

A little work can save a LOT of money

We covered many ideas to lower your 2015 Mercedes-Benz Sprinter insurance car insurance rates. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive insurance. Drivers may discover the lowest car insurance rates come from a lesser-known regional company. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice collision coverage only to regret at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

More information can be found at these links:

• Vehicle Size and Weight FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Crash Avoidance Technologies FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)