Save on 2011 Mercedes-Benz Sprinter Insurance Rates

Searching for cheaper auto insurance rates for your Mercedes-Benz Sprinter? There isn’t anyone who fancies paying their premiums for auto insurance, in particular when the cost is too high.

Popular companies such as Progressive, State Farm and Geico all promote huge savings with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Buying car insurance is not rocket science. But car owners do need to learn how big insurance companies sell insurance online because it can help you find the best coverage.

Lower rates by qualifying for discounts

Auto insurance companies do not list every available discount in an easy-to-find place, so we break down a few of the more well known as well as the least known discounts that you can inquire about if you buy insurance coverage online. If you are not receiving all the discounts you deserve, you could be paying more than you need to.

• Discount for Low Mileage – Low annual miles could qualify for better rates on cars that stay parked.
• Government Employee Discount – Simply working for the federal government could cut as much as 10% off for Sprinter coverage depending on your insurance provider.
• Smart Student Discounts – Performing well in school can save 20 to 25%. The discount lasts until age 25.
• Distant College Student Discount – Any of your kids who are attending college and don’t have a car may qualify for this discount.
• Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.
• Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
• New Car Discount – Adding a new car to your policy can save you some money because newer models have to meet stringent safety requirements.
• Waiver for an Accident – Not necessarily a discount, but a handful of insurance companies will forgive one accident before your rates go up if you have no claims prior to being involved in the accident.
• Membership in Organizations – Having an affiliation with a professional or civic organization can get you a small discount on insurance.
• Safety Course Discount – Participating in a course teaching defensive driver skills is a good idea and can lower rates and also improve your driving technique.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Popular insurance companies and some of the discounts can be found below.

• Travelers offers discounts for home ownership, driver training, student away at school, good student, and IntelliDrive.
• 21st Century offers discounts including defensive driver, student driver, early bird, driver training, teen driver, and 55 and older.
• State Farm policyholders can earn discounts including passive restraint, safe vehicle, student away at school, good student, driver’s education, and Steer Clear safe driver discount.
• Geico includes discounts for five-year accident-free, membership and employees, anti-lock brakes, seat belt use, and anti-theft.
• SAFECO may offer discounts for safe driver, accident prevention training, drive less, teen safe driver, bundle discounts, and multi-car.
• AAA has discounts for multi-car, education and occupation, good student, pay-in-full, AAA membership discount, and anti-theft.

If you are trying to find low cost insurance coverage quotes, ask each company or agent the best way to save money. Some of the discounts discussed earlier may not be offered in every state. To see companies offering insurance discounts, click here to view.

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Lower your insurance premiums

The best way to find cheaper auto insurance is to take a look at the different types of things that play a part in calculating your policy premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that could help you find big savings. Many different elements are used when you get a price on insurance. Some are obvious such as your driving history, but other criteria are more obscure like where you live or how safe your car is.

• Use credit responsibly and save – An insured’s credit history will be a significant factor in calculating your auto insurance rates. Insureds that have very good credit scores tend to be better drivers and file fewer claims than drivers who have bad credit. If your credit rating is not that good, you may save money insuring your 2011 Mercedes-Benz Sprinter if you improve your credit rating.
• Incidental coverages can waste money – Insurance policies have a lot of additional extra coverages that you can buy but may not be useful. Things like replacement cost coverage, accident forgiveness, and term life insurance may not be needed and are just wasting money. The coverages may be enticing at first, but your needs may have changed so consider taking them off your policy.
• Companies want multiple policies – Many insurers allow discounts to people that purchase more than one policy such as combining an auto and homeowners policy. The discount can be as much as ten percent or more If you currently are using one company, consumers should still comparison shop to make sure you are getting the best deal.
• Prevent theft and reduce rates – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft.
• Cheaper rates with high deductibles – Physical damage coverage, aka comp and collision, helps pay for damage to your vehicle. A few examples of covered claims would be collision with another vehicle, hitting a deer, and windstorm damage. The deductibles define how much you are required to spend if the claim is covered. The more the insured is willing to pay, the less your company will charge you for insurance for Sprinter coverage.
• Vocation stress can affect rates – Occupations like real estate brokers, business owners and dentists generally have higher average rates in part from intense work requirements and long work days. On the flip side, jobs like scientists, athletes and retirees pay the least for Sprinter coverage.

Insurance coverage is unique, just like you

When it comes to choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out whether you could use an agent’s help.

• When can I cancel my policy?
• Which is better, split liability limits or combined limits?
• I have good health insurance, so how much medical payments coverage do I need?
• Why am I required to get a high-risk car insurance policy?
• Am I covered if my car is in a flood?
• Are rock chip repairs covered?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Why you might not save $463 a year

Well-known insurance companies like Geico, State Farm and Progressive continually stream ads in print and on television. They all seem to state the claim of big savings if you get a free insurance coverage quote and switch to them. How is it possible that every company can make the same claim? This is the trick they use.

All companies have an ideal profile for a prospective insured they prefer to insure. For example, a profitable customer might have to be over age 30, has a clean driving record, and drives less than 10,000 miles a year. Any person who matches that profile may get the lowest prices and most likely will save a lot if they switch.

Insureds who cannot meet the ideal profile will have to pay higher rates and the customer buying from a different company. The trick is to say “customers who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can truthfully lure you into getting a quote. This really illustrates why it is so important to get a wide range of price quotes. It is impossible to guess which insurance companies will be your best fit.

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Auto insurance specifics

Learning about specific coverages of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from auto insurance companies.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mercedes-Benz Sprinter.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability car insurance – Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as court costs, repair costs for stationary objects, funeral expenses, pain and suffering and attorney fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

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

Comprehensive can pay for claims such as a broken windshield, damage from getting keyed, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – Collision insurance will pay to fix damage to your Sprinter from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, crashing into a building, damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses like surgery, doctor visits and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Pennies from heaven

Cheaper auto insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who don’t offer online quoting and these regional carriers only sell through independent agencies.

We just showed you quite a bit of information on how to save on 2011 Mercedes-Benz Sprinter insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest prices are with a small local company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Additional learning opportunities

• Five Mistakes to Avoid (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Safety Belts FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)

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