Compare 2017 Mercedes-Benz Sprinter Car Insurance Quotes

Searching for the cheapest car insurance rates for your Mercedes-Benz Sprinter? Paying low cost premium rates for Driverscar insurance could be challenging for beginners to online price comparisons. With such a large number of online companies available, it can be a difficult situation to find more affordable prices.

Smart consumers take time to get comparison quotes periodically due to the fact that insurance prices are usually higher with each renewal. Even if you got the best deal on Sprinter coverage on your last policy a different company probably has better rate quotes today. Block out anything you think you know about car insurance because you’re about to learn how to quote online to find better rates and still maintain coverage.

What determines Mercedes-Benz Sprinter insurance premiums?

A large part of saving on insurance coverage is knowing some of the elements that are used to determine your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that may result in cheaper rates. Many factors are used when quoting car insurance. Some are pretty understandable like a motor vehicle report, but other factors are less obvious such as your credit history or how financially stable you are.

The itemized list below are some of the factors utilized by car insurance companies to help set your prices.

• Too many policy claims drive up rates – Auto insurance companies generally give better rates to policyholders who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is designed for more catestrophic claims.
• What’s your car’s NHTSA crash test rating? – Vehicles with high crash test scores cost less to insure. Vehicles engineered for safety have better occupant injury protection and better occupant protection means lower claim amounts which can result in lower premiums. If your Mercedes-Benz Sprinter is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Save money with theft deterrents – Choosing to buy a car with an alarm system can earn a premium discount. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft and help bring rates down.
• Do you know your deductibles? – Physical damage protection, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Examples of some claims that would be covered would be a dented fender, damage from fire, and burglary. Deductibles for physical damage tell how much you are required to pay if a claim is determined to be covered. The more of the claim you have to pay, the lower your rates will be on Sprinter coverage.
• More people means more accidents – Residing in areas with lower population can be a good thing when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas have to deal with congested traffic and higher rates of accident claims. More time behind the wheel means higher likelihood of an accident.
• If you don’t need it don’t buy it – There are quite a few optional add-on coverages you can purchase on your Sprinter policy. Coverage for things like vanishing deductibles, accident forgiveness, and membership fees are some examples. You may think they are a good idea when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
• Teenagers vs. older drivers – Inexperience drivers are statistically proven to be more careless behind the wheel so insurance coverage rates are higher. Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents , and usually have better credit.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Ways to get insurance coverage quotes

When comparison shopping, there are several ways to compare rate quotes from many available insurance coverage companies in your state. The best way to compare rates consists of shopping online. It’s really quite simple and can be done in several different ways.

The simplest way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for multiple quote forms for every prospective company. Just one form gets coverage cost estimates instantly. Recommended for those who want to invest the least amount of time.

A different way to find lower rates consists of visiting the website of each company and go through the quote process again. For examples sake, let’s assume you want to compare rates from Liberty Mutual, Esurance and State Farm. In order to get each rate, you would have to navigate to each company’s site and enter your policy data, which can be really labor intensive.

For a list of companies in your area, click here.

The final way to comparison shop to local insurance agencies. Comparing rate quotes online has made agencies unnecessary unless you have a complicated situation and need the trained guidance of a licensed agent. You can, however, price shop your coverage online and get advice from an agent in your area.

How you compare quotes is your choice, just be sure to compare exactly the same deductibles and coverage limits for every quote you compare. If you have differing limits you can’t possibly determine which company has the best rates. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. Just remember that quoting more provides better odds of finding better pricing.

Don’t listen to company ads

Progressive, Allstate and Geico regularly use ads in print and on television. All the ads tend to make the same promise that you’ll save big after switching to their company. How does every auto insurance company offer drivers better rates? This is the trick they use.

All companies offer their best rates for the type of insured that will not have excessive claims. One example of a profitable insured should be a married female, carries high limits, and insures a new vehicle. Any driver that fits those parameters will qualify for the lowest car insurance rates and will also save a lot if they switch.

Drivers who are not a match for the ideal profile will probably be forced to pay a higher rate which usually ends up with the customer buying from someone else. Company advertisements say “people that switch” but not “everyone who gets a quote” save that much money. That is how companies can make claims that they all have the best premium rates. Because of these techniques, it is so important to compare as many free car insurance quotes as you can. Because without a comparison, you cannot know which insurance companies will have the lowest car insurance rates for your situation.

Insurance discounts help reduce rates

Not too many consumers would say insurance is affordable, but you may qualify for discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be asked for in order for you to get them.

• Use Seat Belts – Requiring all passengers to buckle their seat belts could save 15% off PIP or medical payments premium.
• Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount until age 25.
• Sign Online – Some of the larger companies will give you a small discount for completing your application on the internet.
• Clubs and Organizations – Being in a civic or occupational organization may earn a discount on your bill.
• Telematics Data Discounts – Drivers who elect to allow their company to monitor where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
• Discount for Multiple Policies – If you combine your auto and homeowners policies and place coverage with the same company you may earn up to 20% off your total premium.
• Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper because new vehicles are generally safer.
• Defensive Driver Discounts – Successfully completing a driver safety course is a good idea and can lower rates and easily pay for the cost of the class.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

To view companies with significant discounts, click here to view.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Which is the best car insurance?

When buying adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

• Is my business laptop covered if it gets stolen from my vehicle?
• Do I have coverage when using my vehicle for my home business?
• Am I covered if hit by an uninsured driver?
• Do I have newly-aquired coverage?
• What are the best liability limits?
• Does coverage extend to a rental car in a foreign country?
• Do I need PIP (personal injury protection) coverage in my state?
• How does medical payments coverage work?
• Do I need special endorsements for business use of my vehicle?
• What is the minimum liability in my state?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverage information

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, vandalism, hail damage and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for ambulance fees, EMT expenses, hospital visits, chiropractic care and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverages

Liability coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like medical expenses, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Mercedes-Benz Sprinter.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

A little work can save a LOT of money

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, policy cancellation, high rates after DUI convictions and even questionable increases in premium. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

Some car insurance companies may not provide internet price quotes and many times these smaller providers prefer to sell through independent insurance agencies. Affordable 2017 Mercedes-Benz Sprinter insurance can be purchased on the web and from local agencies, so you should be comparing quotes from both to get a complete price analysis.

You just read many ways to shop for 2017 Mercedes-Benz Sprinter insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting the cheapest car insurance. Consumers could even find that the lowest rates come from a small local company.

Additional resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Safety Tips for Teen Drivers (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption