Save on 2016 Mercedes-Benz Sprinter Insurance Quotes

Finding cheaper insurance for a new or used Mercedes-Benz Sprinter could be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are more efficient ways to shop for insurance and we’ll show you the quickest way to quote coverages for your Mercedes-Benz and locate the cheapest rates from both online companies and local agents.

Consumers need to do rate comparisons once or twice a year since prices change quite often. Even if you got the lowest rates on Sprinter coverage two years ago you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to properly buy coverages while reducing your premium.

If you have a policy now or need a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. Finding the lowest cost auto insurance is simple if you know the tricks. Vehicle owners just need to know the most efficient way to compare rates online.

Cheapest car insurance price quotes

Effectively comparing car insurance prices is a ton of work if you don’t understand the easiest way. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many popular insurance companies belong to an insurance system that allows shoppers to complete one form, and each participating company returns a competitive quote for coverage. This system prevents you from having to do quotation requests for every car insurance company.

To find out how much you can save on car insurance click to open in new window.

The one disadvantage to using this type of form is you can’t choose which carriers you want pricing from. So if you prefer to choose individual companies to request quotes from, we put together a list of companies who write car insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare apples-to-apples information for each comparison quote. If the quotes have unequal deductibles or liability limits it will be very difficult to make an equal comparison.

Big brands don’t always mean big savings

Consumers can’t avoid all the ads that promise big savings from companies such as Allstate, GEICO and Progressive. All the ads have a common claim that drivers will save a bundle if you get a free auto insurance quote and switch your insurance coverage policy to them.

How can each company claim to save you money? You have to listen carefully.

Most companies have specific characteristics for the type of insured that will add to their bottom line. A good example of a desirable risk may need to be over the age of 40, has a low-risk occupation, and insures a new vehicle. Anybody who fits that profile will get a cheap rate quote and will probably save quite a bit of money when switching.

Insureds who don’t qualify for these stringent criteria may be required to pay higher rates and ends up with the prospect going elsewhere. The ads state “customers who switch” not “everyone that quotes” save the amount stated. That’s why companies can truthfully lure you into getting a quote. This really emphasizes why you really should do a price quote comparison at every renewal. It’s just not possible to know with any certainty which company will have better car insurance rates than you’re paying now.

How do insurance providers determine Mercedes-Benz Sprinter insurance premiums?

Many things are taken into consideration when you quote your car insurance policy. Some factors are common sense like an MVR report, but some are more obscure like your vehicle usage or your commute time.

The items below are some of the most common factors used by your company to calculate your prices.

  • Allowing your insurance coverage to lapse raises insurance coverage rates – Allowing your coverage to lapse can be a fast way to increase your renewal premiums. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a revoked license or a big fine. You will then be forced to file a SR-22 with your state department of motor vehicles.
  • Bundle policies with the same company – Most major insurers will give better rates to customers who buy several policies from them. It’s known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you’re getting this discount consumers should still check prices from other companies to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Low physical damage deductibles can be expensive – Physical damage deductibles state the amount of money you are willing to pay before your insurance coverage pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims would be colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more you’re willing to pay, the bigger discount you will receive on Sprinter coverage.
  • Liability insurance is peace of mind – Your insurance coverage policy’s liability coverage will protect you in the event that you are found to be at fault for an accident. This coverage provides for a legal defense starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Vocation impacts rates – Occupations like military personnel, social workers and accountants generally have the highest average rates in part from high stress and lengthy work days. On the flip side, careers like scientists, athletes and homemakers receive lower rates on Sprinter coverage.
  • Your address can push rates up or down – Choosing to live in smaller towns and rural areas of the country is a good thing when buying insurance coverage. Fewer drivers means reduced accidents and a lower car theft rate. Drivers who live in large cities tend to have congested traffic and higher rates of accident claims. The longer drive time means higher likelihood of an accident.
  • Policy add-ons add up – Insurance companies have many optional add-on coverages that you can buy on your insurance coverage policy. Add-on coverages like vanishing deductibles, towing coverage, and membership fees may not be needed and are just wasting money. These may sound like a good investment at first, but if they’re wasting money remove them and pocket the money.

These discounts can slash car insurance rates

Some providers don’t necessarily list every discount very clearly, so here is a list a few of the more common as well as some of the hidden credits that you can use to lower your rates.

  • Low Mileage Discounts – Driving less could be rewarded with lower prices on the low mileage vehicles.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save a little off the medical payments premium.
  • Save with a New Car – Insuring a vehicle that is new is cheaper since newer vehicles are generally safer.
  • Senior Discount – If you qualify as a senior citizen, you can get better car insurance rates on Sprinter coverage.
  • Discounts for Government Workers – Active or retired federal employment can save as much as 8% on Sprinter coverage with select insurance companies.
  • Good Students Pay Less – Performing well in school may save you up to 25%. Most companies allow this discount well after school through age 25.
  • Service Members Pay Less – Being deployed with a military unit could mean lower prices.

As is typical with insurance, some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, companies don’t profit that way.

A list of companies and a partial list of their discounts are detailed below.

  • GEICO offers discounts including military active duty, membership and employees, driver training, seat belt use, multi-vehicle, emergency military deployment, and anti-lock brakes.
  • Auto-Owners Insurance discounts include good student, company car, group or association, multiple vehicles, and air bags.
  • American Family policyholders can earn discounts including mySafetyValet, bundled insurance, air bags, accident-free, and multi-vehicle.
  • Esurance may include discounts for anti-theft, Pac-12 alumni, multi-car, renters, good driver, anti-lock brakes, and online shopper.
  • Progressive has savings for homeowner, multi-vehicle, good student, online quote discount, online signing, and multi-policy.
  • State Farm has discounts for defensive driving training, safe vehicle, student away at school, multiple policy, accident-free, and Drive Safe & Save.
  • AAA may offer discounts for multi-policy, anti-theft, multi-car, good student, AAA membership discount, and good driver.

It’s a good idea to ask each company or agent how you can save money. Some discounts listed above may not apply to policies in your state. To see providers with discount rates, click this link.

When do I need an agent’s advice?

When it comes to choosing the best insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether you would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • Is my dog or cat covered if injured in an accident?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • What are the financial responsibility laws in my state?
  • Is my cargo covered for damage or theft?
  • Is my Mercedes-Benz Sprinter covered if I use it for business?
  • Does my 2016 Mercedes-Benz Sprinter need full coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hitting a deer, theft and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This will pay to fix damage to your Sprinter from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage pay for bills for things like X-ray expenses, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

This provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as structural damage, medical services, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

What is YOUR best insurance company?

We covered some good ideas how to reduce 2016 Mercedes-Benz Sprinter insurance car insurance rates online. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost auto insurance. You may even find the lowest car insurance rates come from a small local company.

Some insurance providers don’t offer rate quotes online and many times these small, regional companies sell through independent insurance agencies. The cheapest 2016 Mercedes-Benz Sprinter insurance can be sourced both online and with local insurance agents, so you need to compare both in order to have the best chance of saving money.

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

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