How Much Does 2016 Mercedes-Benz Sprinter Insurance Cost?

Looking for the cheapest car insurance rates for your Mercedes-Benz Sprinter? Are you tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as millions of other drivers. Drivers have so many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it can be more challenging to find the lowest cost provider.

Finding affordable coverage is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to cut your premiums while maintaining coverages. Drivers just need to understand the most effective way to compare prices online.

How to compare car insurance rate quotes

Getting low cost 2016 Mercedes-Benz Sprinter car insurance pricing can be quick and easy. The only requirement is to take a couple of minutes to compare rate quotes to find. This is very easy and can be done in a couple of different ways.

Probably the best way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This quick form prevents you from having to do separate quote forms for every company. Completing one form compares rates from all major companies.

A different way to get quotes online is to take the time to go to the website for each individual company to request a price quote. For example, we’ll assume you want to view quotes from Farmers, Esurance and Liberty Mutual. In order to get each rate, you would have to go to each individual site and repeatedly type in your coverage information, which can be really labor intensive.

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

The most time-consuming way to find cheaper rates is calling or driving to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you’re the type of person who wants the personal advice of a local agent. If you prefer, some companies allow you to compare online quotes but have your policy serviced through an agent.

The method you choose is up to you, but make sure you compare apples-to-apples quote information for every quote you compare. If you compare different coverage information it will be next to impossible to make an equal comparison.

Does auto insurance advertising bend the truth?

Drivers get pounded daily by advertisements for the lowest price auto insurance by Allstate and Progressive. They all seem to make the same claim that you’ll save big after switching your policy.

How does every company charge less that you’re paying now? It’s all in the numbers.

Auto insurance companies provide the lowest rates for the type of driver that will not have excessive claims. One example of a profitable customer could be married and over the age of 30, has a clean driving record, and drives less than 7,500 miles a year. Anybody who fits that profile is entitled to the best price and therefore will save if they switch.

Consumers who are not a match for the “perfect” profile will be charged higher prices which results in the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save that much when switching. That’s the way companies can make it sound like they have such great car insurance rates. Different companies use different criteria so drivers should get a wide range of price quotes. Because without a comparison, you cannot know which auto insurance company will be your best fit.

Mercedes-Benz Sprinter insurance cost factors

Lots of things are used in the calculation when premium rates are determined. Some factors are common sense like an MVR report, but others are more obscure such as your credit history or your vehicle rating.

  • Gender impacts premiums – Statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Men and women are responsible for at-fault accidents in similar percentages, but guys get into accidents with more damage. Men also statistically get higher numbers of serious violations such as reckless driving. Males from age 16 to 21 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Getting married can lower prices – Having a significant other can get you a discount on your insurance coverage bill. Having a spouse demonstrates that you tend to be more financially stable and it’s proven that married drivers tend to have fewer serious accidents.
  • Do thieves like your car? – Driving a car with a theft deterrent system can save you some money. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
  • Avoid unnecessary extra coverages – There are a ton of additional coverages that sound like a good idea at the time if you aren’t careful. Insurance for rental car reimbursement, towing, and extra life insurance coverage may be costing you every month. They may sound like good ideas when deciding what coverages you need, but if you have no use for them remove them and pocket the money.
  • Vocation impacts insurance coverage rates – Jobs such as fire fightersairline pilots and miners tend to pay the highest rates because of stressful work requirements and lengthy work days. On the other hand, careers like farmers, athletes and homemakers receive lower rates for Sprinter coverage.

Discounts for affordable auto insurance rates

Some insurance providers don’t always publicize every discount they offer very clearly, so below is a list both the well known as well as some of the hidden credits available to you. If you check and find you aren’t receiving every discount possible, you are throwing money away.

  • Student Discounts – Getting good grades can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • Multi-policy Discount – When you have multiple policies with one company you could save approximately 10% to 15%.
  • Multi-line Discount – Some companies give a small discount if you purchase a life insurance policy as well.
  • Home Ownership Discount – Owning a home can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • Cautious Drivers – Insureds without accidents may save up to 50% more for Sprinter coverage than drivers with accident claims.

Don’t be surprised that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But all discounts will lower your overall premium however.

To see a list of insurance companies that can offer you the previously mentioned discounts, click here.

You may need specialized auto insurance coverage

When it comes to choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • Will filing a claim cost me more?
  • How do I insure my teen driver?
  • Am I covered when pulling a rental trailer?
  • When can I cancel my policy?
  • Why do I need rental car insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Can I still get insurance after a DUI?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz Sprinter.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, X-ray expenses, nursing services, rehabilitation expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your Sprinter from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, hitting a mailbox, sideswiping another vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hail damage, rock chips in glass, fire damage and hitting a bird. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage protects you from injuries or damage you cause to a person or their property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like repair bills for other people’s vehicles, emergency aid, medical services, court costs and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Get your money’s worth

Cheaper insurance is definitely available online in addition to local insurance agencies, so get free insurance quotes from both of them to have the best chance of lowering rates. Some companies may not offer online price quotes and these smaller companies only sell through local independent agencies.

You just learned a lot of information how to reduce 2016 Mercedes-Benz Sprinter insurance premium rates online. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable insurance. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower prices compared to the large companies like Progressive or Geico.

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. There are many occasions where someone dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

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