2010 Mercedes-Benz Sprinter Insurance Quotes – 9 Savings Tips

Trying to find lower auto insurance rates for your Mercedes-Benz Sprinter? Are you a victim of overpriced auto insurance? Trust us when we tell you there are lots of people in the same boat. Insurance companies such as State Farm, Progressive and Geico increase brand awareness with ad campaigns and it can be hard to see past the corporate glitz and take the time to shop coverage around.

It’s smart to get comparison quotes before your policy renews because rates tend to go up over time. Just because you had the best deal on Sprinter insurance a couple years back you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because you’re going to get a crash course in the best way to lower your annual insurance bill.

If you have a current insurance coverage policy or are looking for a new policy, you can use these tips to get lower rates while maximizing coverage. Finding affordable coverage is not rocket science. Drivers only need to know how to compare price quotes online.

Discounts are basically free money

Companies that sell car insurance do not advertise every available discount in a way that’s easy to find, so here is a list both well-publicized and the more hidden ways to save on auto insurance. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Sprinter insurance with certain companies.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared with frequent claim filers.
  • E-sign – Some insurance companies give back up to $50 just for signing your application over the internet.
  • Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

Insurance companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts may not apply everywhere.

Which insurance is the “right” coverage?

When it comes to choosing the best auto insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • Does my 2010 Mercedes-Benz Sprinter qualify for pleasure use?
  • What should my uninsured motorist coverage limits be in my state?
  • What vehicles should carry emergency assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I buy a commercial auto policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is no-fault insurance?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads that promise big savings by State Farm, Geico and Progressive. All the companies make an identical promise that you can save if you move to their company.

How does each company make the same claim?

All the different companies can use profiling for the type of customer that earns them a profit. For instance, a preferred risk might be between 30 and 50, has no prior claims, and drives newer vehicles. A customer who fits that profile will get the preferred rates and as a result will probably save when switching.

Drivers who don’t measure up to these standards must pay more money and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can make those claims. This illustrates why drivers must get a wide range of price quotes. Because you never know the company that will provide you with the cheapest Mercedes-Benz Sprinter insurance rates.

Insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Collision protection

Collision coverage pays for damage to your Sprinter resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, driving through your garage door, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for prosthetic devices, ambulance fees and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a deer, falling objects and hitting a bird. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

More comparisons equals lower rates

We just covered a lot of tips how to get a better price on 2010 Mercedes-Benz Sprinter insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even find the best price on insurance coverage is with a lesser-known regional company. Regional companies often have lower prices on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Cheaper insurance can be bought on the web as well as from independent agents, and you should be comparing both to get a complete price analysis. There are still a few companies who don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

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