2016 Mercedes-Benz Sprinter Insurance Cost – 8 Savings Tips

Looking for the cheapest car insurance rates for your Mercedes-Benz Sprinter? Finding more affordable premium rates on car insurance could be difficult for people not familiar with quoting coverage prices online. Consumers have so many options available that it can easily become a ton of work to find the lowest price.

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. The purpose of this article is to teach you the most effective way to quote insurance and some tricks to saving. Nevertheless, drivers do need to understand how companies price online insurance and apply this information to your search.

The cheapest insurance price quotes

There are a variety of methods you can shop for insurance but one way is easier and takes less work. You could waste time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to maximize your effort.

Many insurance companies take part in a program where prospective buyers enter their coverage request one time, and each company provides a quote based on the submitted data. This eliminates the need for repetitive form submissions for each company. To use this form to compare rates click here (opens in new window).

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you want to choose individual companies to compare rates, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing identical coverages for every company. If you have different liability limits it will be very difficult to truly determine the lowest rate. Just a small difference in coverage limits can result in a big premium difference. It’s important to know that comparing more rates from different companies helps locate the best price. Not every company allows you to get online rate quotes, so you should also compare quotes from them, too.

Car insurance companies are expert advertisers

Companies like Allstate and Progressive continually stream ads on television and other media. They all seem to make the promise of big savings just by moving to them. How is it possible that every company can save you money?

All the different companies quote their best rates for the right customer that earns them the most money. A good example of this type of risk profile may need to be a married male, has other policies, and drives a safe vehicle. A propective insured that matches those criteria gets the lowest rates and therefore will cut their rates substantially.

Potential customers who don’t qualify for these standards may receive higher premiums which results in business not being written. If you pay attention, the ads say “customers who switch” not “everybody who quotes” save the amount stated. That is how insurance companies can claim big savings.

This really drives home the point why you need to do a price quote comparison at every renewal. It’s just too difficult to predict which insurance companies will have the lowest premium rates for your situation.

Take advantage of every insurance discount

Companies offering auto insurance don’t always publicize every available discount in a way that’s easy to find, so the list below contains some of the best known as well as some of the hidden discounts that may be available. If you do not double check each discount available, you could be saving more on your insurance.

• One Accident Forgiven – This one is not really a discount per se, but a few companies such as Geico and Allstate will forgive one accident before your rates go up if you are claim-free for a set time period.
• Braking Control Discount – Cars that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Active Service Discounts – Being deployed in the military may lower your prices slightly.
• Online Discount – A few larger online companies may give you up to $50 shop insurance digitally online.
• Early Renewal Discounts – Some larger companies reward drivers for signing up prior to your current policy expiring. This discount can save up to 10%.
• Discounts for Federal Employees – Federal government employees may qualify for a discount when you quote insurance for Sprinter coverage with certain companies.
• Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will save you 10% or more.

One thing to note about discounts is that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, it’s just not the way it works.

If you would like to see a list of companies with significant discounts, click here.

How to know if you need help

When choosing the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions can aid in determining if your insurance needs may require specific advice.

• What companies insure drivers after a DUI or DWI?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need rental car coverage?
• Does my insurance cover my expensive audio equipment?
• What is medical payments coverage?
• Is my teenager covered with friends in the car?
• Is my cargo covered for damage or theft?
• Am I covered when driving on a suspended license?
• Is my state a no-fault state?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hail damage, theft, damage from flooding and damage from getting keyed. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show 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 a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, emergency aid, repair bills for other people’s vehicles and loss of income. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.

Collision protection

This coverage pays for damage to your Sprinter caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, hospital visits, doctor visits, prosthetic devices and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Don’t break the bank

Some car insurance companies don’t offer rate quotes online small, regional companies only sell through independent insurance agencies. Lower-priced car insurance is possible from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, poor customer service, high rates after DUI convictions and denial of a claim. It doesn’t matter what your reason, finding a great new company can be less work than you think.

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Additional information is located at the links below

• Rental Car Insurance Tips (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• What is Covered by GAP Insurance? (Allstate)