2016 Mercedes-Benz Sprinter Insurance Quotes – 5 Tricks for Cheapest Rates

Searching for the cheapest car insurance rates for your Mercedes-Benz Sprinter? Locating the cheapest insurance for your Mercedes-Benz Sprinter can be a painful process, but you can use a few tricks to find lower rates.

There is a better way to compare car insurance rates so you’re going to learn the proper way to price shop coverage for a new or used Mercedes-Benz and find the best price possible from local insurance agents and online providers.

Consumers need to take a look at other company’s rates occasionally since rates trend upward over time. Despite the fact that you may have had the lowest premium rates for Sprinter coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn the proper way to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or are just looking to switch companies, you can follow these tips to get lower rates while maximizing coverage. Locating more affordable coverage is easy if you know what you’re doing. Vehicle owners just need to understand the tricks to compare price quotes over the internet.

The cheapest insurance coverage

All the larger insurance coverage companies such as Progressive, Geico, Allstate and State Farm allow you to get insurance quotes on the web. Getting prices online can be done by anyone because you just enter the coverages you want as requested by the quote form. After you complete the form, the quote system collects information on your driving record and credit history and returns pricing information based on the information you submitted.

Quoting online makes it a lot easier to compare rates but the time required to go to different websites and type in the same information is a waste of time. But it’s absolutely necessary to compare as many rates as possible if you want to find the lowest insurance coverage rates.

Rate comparisons made easy

A more efficient way to find cheaper rates utilizes a single form to get prices from several different companies. The form is fast, eliminates repetitive work, and makes rate comparisons much simpler. As soon as the form is sent, it gets priced with multiple companies and you can pick your choice of the quote results.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and may result in a nice savings.

To quickly fill out one form to compare multiple rates now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you enter the coverages just like they are on your policy. Using the same limits helps guarantee you are getting a fair comparison based on identical coverages.

Take advantage of every insurance coverage discount

Companies that sell car insurance do not list every available discount very clearly, so the list below contains some of the more common and the harder-to-find credits available to you. If you’re not getting every credit you qualify for, you could be paying more than you need to.

• Discount for Life Insurance – Some insurance carriers give a small discount if you purchase life insurance from them.
• Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Accident Free – Good drivers with no accidents pay less as compared to accident-prone drivers.
• Early Renewal Discounts – A few insurance companies allow discounts for buying a new policy before your current coverage expires. It could save around 10% when you buy car insurance online.
• Air Bags and Passive Restraints – Factory air bags may qualify for discounts of 20% or more.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, click this link.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether you could use an agent’s help.

• Is business property covered if stolen from my car?
• Is a new car covered when I drive it off the dealer lot?
• Am I getting all the discounts available?
• Is my dog or cat covered if injured in an accident?
• Where can I find DUI or SR-22 insurance?
• Do I have coverage if my license is suspended?
• Do I need more liability coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, theft and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Mercedes-Benz Sprinter.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Auto collision coverage

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

Collision insurance covers claims like rolling your car, scraping a guard rail, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for nursing services, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.