Lower Your 2011 Mercedes-Benz Sprinter Insurance Rates

Are you irritated from not being able to scrape enough together to pay your insurance coverage bill each month? Your situation is no different than many other drivers.

Because there are so many choices, it is hard for the average consumer to choose a lower cost insurer.

Smart consumers take time to take a look at other company’s rates yearly because insurance coverage prices are rarely the same from one policy term to another. Just because you found the lowest quotes on Sprinter insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the only way to find great coverage at a great price.

How to buy insurance coverage online

Many insurance companies such as Progressive, Allstate and Geico give coverage prices direct online. Doing online price comparisons is pretty painless as you just type in your coverage information as detailed in the form. After you complete the form, their quoting system collects information on your driving record and credit history and returns pricing information. Online price estimates makes it simple to compare prices but having to visit multiple sites and type in the same data is a big time waster. But it’s very important to do this if you want to find the lowest possible prices on insurance coverage.

Keep reading for an easier way to compare prices

The easiest way to find better insurance coverage pricing requires only one form to get prices from more than one company. It saves time, eliminates form submissions, and makes quoting online a little more enjoyable. Immediately after submitting the form, it gets priced with multiple companies and you can pick any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and may save quite a bit of money.

To quickly find out what other companies charge, click here and submit your coverage information. If you currently have coverage, we recommend you complete the form with the insurance coverages identical to your current policy. This ensures you’re receiving a fair comparison for similar insurance coverage.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • Do I need replacement cost coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Is upholstery damage covered by car insurance?
  • How can I get my company to pay me more for my totalled car?
  • What vehicles should carry emergency assistance coverage?
  • What is the minimum liability in my state?
  • Will my rates increase for filing one claim?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverages available on your policy

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages offered by car insurance companies.

Auto liability insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical services, legal defense fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, rock chips in glass, fire damage and falling objects. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills like hospital visits, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Collision coverage protection

Collision insurance covers damage to your Sprinter resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, driving through your garage door, colliding with a tree, crashing into a building and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.