How Much Does 2014 Mercedes-Benz Sprinter Car Insurance Cost?

Have you fallen victim to an overpriced insurance coverage policy? Trust us, you’re not the only one. You have so many insurers to buy insurance from, and although it’s nice to be able to choose, having more car insurance companies makes it harder to find a good deal.

Smart consumers take time to get comparison quotes periodically because rates are adjusted regularly by insurance companies. Just because you had the best rates on Sprinter insurance a couple years back you can probably find a better price now. Forget all the misinformation about insurance coverage because you’re about to find out how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Buying car insurance is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Vehicle owners just need to understand the best way to compare price quotes online.

How to Lower Your Insurance Cost

Finding lower insurance rates is actually quite simple. Drivers just need to spend a few minutes on the computer to compare quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  • The single most time-saving way to find low rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do boring form submissions for every insurance company. One simple form gets you coverage quotes direct from many companies.
  • A different way to analyze rates requires a visit to the website of each company and request a quote. For examples sake, let’s say you want comparison quotes from GEICO, Safeco and GMAC. You would have to visit each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  • The hardest way to get comparison rates is driving to different agent offices. Shopping for insurance online has reduced the need for local agents unless you want the personal advice only provided by licensed agents. It is possible to price shop online and get advice from an agent in your area and we’ll touch on that later.

It doesn’t matter which method you choose, just ensure you’re using identical coverages and limits on every quote you get. If you are comparing higher or lower deductibles then you won’t be able to truly determine the lowest rate.

Do auto insurance companies bend the truth?

Consumers can’t ignore all the ads that promise big savings by companies like Progressive, Allstate and GEICO. All the ads have a common claim that you’ll save big if you move to them.

How does each company claim to save you money? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. A good example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile will be quoted higher prices and this can result in business not being written. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can make those claims. This emphasizes why drivers should get as many comparisons as possible. You cannot predict the company that will fit your personal profile best.

Do you qualify for a discount?

Companies don’t always list all their discounts very well, so here is a list some of the best known and also the lesser-known auto insurance savings. If you don’t get every credit available, you’re paying more than you need to.

  • E-sign – Some insurance companies will give a small break for buying your policy over the internet.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • No Accidents – Drivers who don’t have accidents pay less when compared with frequent claim filers.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercedes-Benz could qualify for better rates on cars that stay parked.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

Insurance companies who might offer these discounts are:

Check with each company which discounts you may be entitled to. Some discounts may not be available everywhere.

What coverages do I need?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining whether you could use an agent’s help.

  • What if I total my 2014 Mercedes-Benz Sprinter and owe more than it’s worth?
  • Will my insurance pay for OEM parts?
  • What discounts do I qualify for?
  • Why is insurance for a teen driver so high?
  • Does my insurance cover a custom paint job?
  • When do I need to add a new car to my policy?
  • How high should my medical payments coverage be?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverage basics

Knowing the specifics of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz Sprinter.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

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 things like crashing into a building, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for funeral costs, nursing services and pain medications. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as court costs, pain and suffering, medical services, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive auto insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, vandalism, hitting a deer, damage from flooding and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Final considerations

Cheaper 2014 Mercedes-Benz Sprinter insurance can be bought from both online companies in addition to many insurance agents, so you should compare both to have the best selection. Some companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There have been many situations where an insured dropped liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.

Much more information about auto insurance is available below: