How Much Does 2013 Mercedes-Benz Sprinter Insurance Cost?

Looking for cheaper car insurance rates? Shoppers have options when shopping for the lowest priced Mercedes-Benz Sprinter insurance. You can either spend your time calling around getting price quotes or leverage the internet to compare rates.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to quote coverages on a Mercedes-Benz and get the lowest possible price.

How to lower your insurance cost

Most of the larger companies such as Progressive, Geico, Allstate and State Farm provide insurance quotes online. Comparing rates online is pretty painless as all you need to do is type in your required coverages into a form. Once you submit the form, the company’s rating system will obtain reports for credit and driving violations and returns a price quote based on many factors.

Online price quotes makes it easy to compare insurance prices but the work required to visit several different sites and type in your information is repetitive and time-consuming. But it’s necessary to perform this step if you want to find the best price possible.

An easier way to lower your rates uses one form that gets prices from more than one company. It saves time, eliminates form submissions, and makes online quotes a little more enjoyable. After sending your information, it is rated with multiple companies and you can pick any one of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process only takes a few minutes and may save quite a bit of money.

In order to fill out one form to compare multiple rates now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you copy your coverages just like they are on your policy. Using the same limits helps guarantee you are getting rate quotes based on similar coverages.

Be skeptical of insurance ads

Drivers constantly see and hear ads for cheaper insurance from the likes of Progressive, Geico, Allstate and State Farm. They all seem to make the same claim about how much you will save after switching to them.

Is it even possible that every company can charge less that you’re paying now?

Companies have a preferred profile for a prospective insured that will generate a profit. One example of a desirable risk might be married and over the age of 30, has no claims, and drives a safe vehicle. A customer getting a price quote who matches those parameters receives the best rates as well as cut their rates if they switch.

Insureds who fall short of this stringent profile will probably be forced to pay higher prices with the end result being the customer not purchasing. If you listen closely, the ads state “customers that switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can make those statements.

Because of this risk profiling, you absolutely need to get car insurance quotes as often as possible. It’s impossible to know which company will have the best car insurance rates for your profile.

Lower insurance rates with these tips

When buying auto insurance it’s important to understand a few of the rating criteria that go into determining the rates you pay for auto insurance. If you understand what impacts premium levels, this empowers consumers to make smart changes that may result in big savings.

The factors shown below are most of the major factors used by companies to determine premiums.

  • Save money with excellent credit – A driver’s credit rating is likely to be a major factor in calculating your auto insurance rates. If your credit history is lower than you’d like, you may save money insuring your 2013 Mercedes-Benz Sprinter by spending a little time repairing your credit. Insureds that have high credit ratings tend to be better risks to insure as compared to drivers with lower credit scores.
  • High physical damage deductibles equal low rates – Your deductibles are how much you are willing to pay if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are a windshield broken by a bird, vandalism, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be on Sprinter coverage.
  • Safety ratings are a factor – Vehicles with high crash test scores get lower rates. Vehicles built for safety have better occupant injury protection and fewer injuries translates into savings for insurance companies and lower rates for you. If your Mercedes-Benz Sprinter earned 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 cost less to insure.
  • Only buy coverage you need – There are a lot of extra bells and whistles that you can buy if you don’t pay attention. Coverage for things like rental car coverage, accident forgiveness, and term life insurance are examples of these. They may seem like a good idea at first, but if you don’t need them consider taking them off your policy.
  • Never let your auto insurance policy lapse – Driving your car without having proper coverage can get your license suspended and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.

Auto Insurance Discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts to help bring down the price. Many discounts should be triggered when you complete an application, but less common discounts must be requested specifically before being credited. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.

  • Theft Deterent System – Cars with anti-theft systems help deter theft so companies will give you a small discount.
  • Senior Citizen Rates – Mature drivers may be able to get a slight reduction on a car insurance quote on Sprinter coverage.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% on Sprinter coverage than drivers with accidents.
  • Low Mileage Discounts – Maintaining low annual mileage can earn better rates on cars that stay parked.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Buy New and Save – Buying a new car instead of a used car can save you some money due to better safety requirements for newer vehicles.
  • Student Driver Training – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Early Switch Discount – Some auto insurance companies provide a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Defensive Driver Discounts – Completing a safe driver course could possibly earn you a 5% discount and also improve your driving technique.
  • Policy Bundle Discount – When you have multiple policies and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.

One last thing about discounts, many deductions do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

A list of auto insurance companies and their offered discounts are detailed below.

  • Farm Bureau may offer discounts for youthful driver, 55 and retired, multi-vehicle, safe driver, and good student.
  • State Farm offers discounts including Drive Safe & Save, student away at school, accident-free, anti-theft, good driver, driver’s education, and multiple policy.
  • Progressive includes discounts for online quote discount, good student, continuous coverage, homeowner, and multi-policy.
  • Allstate may have discounts that include FullPay discount, teenSMART discount, passive restraint, good payer, premier plus, defensive driver, and eSmart discount.
  • Nationwide discounts include Farm Bureau membership, defensive driving, good student, family plan, multi-policy, anti-theft, and easy pay.
  • MetLife policyholders can earn discounts including good student, defensive driver, good driver, multi-policy, claim-free, and accident-free.

Before you buy a policy, ask each company or agent which discounts they offer. Depending on the company, some discounts may not be offered in your area. If you would like to view providers offering auto insurance discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I sign the liability waiver when renting a car?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of auto insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, a broken windshield, falling objects and fire damage. The maximum amount you’ll receive from a claim 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 expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Auto liability insurance

This coverage will cover damage that occurs to a person or their property that is your fault. It protects you from claims by other people, 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. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, structural damage, loss of income and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Buy online or local, you save

In this article, we presented many tips how you can lower your 2013 Mercedes-Benz Sprinter insurance prices. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance is with an unexpected company.

When searching for affordable car insurance quotes, don’t be tempted to buy less coverage just to save a little money. Too many times, someone dropped liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best possible price.

Some insurance companies may not provide rates over the internet and these regional insurance providers prefer to sell through independent agencies. Cheaper 2013 Mercedes-Benz Sprinter insurance is definitely available on the web in addition to many insurance agents, so you need to compare both to have the best rate selection.

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