Save on 2015 Mercedes-Benz Sprinter Car Insurance Rates

Want the cheapest insurance rates for your Mercedes-Benz Sprinter? Trying to find the cheapest insurance for your Mercedes-Benz Sprinter can normally be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to shop for insurance and you need to know the best way to price shop coverage on a Mercedes-Benz and find the best price possible either online or from local insurance agents.

If you have a current car insurance policy or need a new policy, you can learn to reduce the price you pay while maintaining coverages. Pricing the cheapest car insurance coverage is easy if you know what you’re doing. Drivers just need to learn the tricks to get comparison quotes on the web.

Save a ton by taking advantage of discounts

Some insurers don’t necessarily list all possible discounts in an easy-to-find place, so the list below gives a summary of both the well known and also the lesser-known insurance coverage savings. If you don’t get every credit you qualify for, you could be getting lower rates.

  • First Accident Forgiveness – This one isn’t a discount, but some insurance companies will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
  • Low Mileage – Low mileage vehicles may allow you to get substantially lower premium rates.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Sprinter insurance depending on your insurance coverage provider.
  • Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Early Signing – Some insurance companies give discounts for renewing your policy before your current coverage expires. This can save 10% or more.
  • Discount for Home Ownership – Owning a home can help you save on insurance coverage because it is proof of financial responsibility.
  • ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Defensive Driver Discounts – Completing a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
  • Claim Free – Insureds with no claims or accidents have much lower rates compared to frequent claim filers.

It’s important to understand that many deductions do not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will reduce the cost of your policy.

Larger insurance coverage companies and the discounts they provide can be found below.

  • Farm Bureau may have discounts that include multi-policy, youthful driver, safe driver, good student, and driver training.
  • State Farm may include discounts for accident-free, good student, student away at school, good driver, defensive driving training, anti-theft, and Drive Safe & Save.
  • Progressive offers premium reductions for online quote discount, online signing, continuous coverage, good student, and multi-vehicle.
  • Allstate has discounts for defensive driver, good student, eSmart discount, senior citizen, early signing, anti-theft, and premier discount.
  • Nationwide has savings for multi-policy, Farm Bureau membership, family plan, easy pay, defensive driving, accident-free, and business or organization.
  • MetLife offers discounts for good student, accident-free, claim-free, good driver, multi-policy, defensive driver

Double check with every prospective company what discounts are available to you. Some of the discounts discussed earlier may not be available in your state. To see a list of companies with the best insurance coverage discounts, follow this link.

How you can control Mercedes-Benz Sprinter insurance premiums

Many different elements are used when you quote your car insurance policy. A few of the factors are predictable such as your driving history, although others are more transparent such as whether you are married or how financially stable you are.An important part of buying insurance is that you know some of the things that aid in calculating car insurance rates. If you know what determines base rates, this enables informed choices that can help you get lower premium levels.

  • Rates increase with driving citations – Having just one moving violation could increase your next policy renewal to the point where it’s not affordable. Good drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have received careless citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.
  • Liability coverage – The liability section of your policy will protect you if ever you are found to be at fault for causing personal injury or damage in an accident. This coverage provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive compared to physical damage coverage, so do not cut corners here.
  • Do safer cars cost less to insure? – Safe vehicles tend to be cheaper to insure. The safest vehicles protect occupants better and reduced instances of injuries means your insurance company pays less and thus lower rates. If your Mercedes-Benz Sprinter is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Qualify for multi-policy discounts – Most companies will award a discount to buyers who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, you may still want to shop around to confirm you are receiving the best rates possible.

How much insurance do I need?

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if you may require specific advice.

  • When should my teen driver be added to my policy?
  • Can I still get insurance after a DUI?
  • Am I missing any policy discounts?
  • Should I buy additional glass protection?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How many claims can I have before being cancelled?
  • Who is covered when they drive my 2015 Mercedes-Benz Sprinter?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like EMT expenses, nursing services, pain medications, X-ray expenses and surgery. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision – Collision coverage will pay to fix damage to your Sprinter resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverage – Liability insurance can cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like emergency aid, funeral expenses, attorney fees, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz Sprinter.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

In any little way, save everyday

There are still a few companies who don’t offer online price quotes and many times these smaller companies only sell through independent agents. Cost effective 2015 Mercedes-Benz Sprinter insurance can be sourced from both online companies in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates.

People switch companies for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, questionable increases in premium or denial of a claim. It doesn’t matter what your reason, finding a new insurance coverage company is actually quite simple.

When trying to cut insurance costs, never reduce coverage to reduce premium. In many cases, an insured cut liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Additional detailed information can be found in the articles below: