Save on 2010 Mercedes-Benz Sprinter Insurance Rates

Do you get exhausted from not being able to scrape enough together to pay high auto insurance rates every month? Your situation is no different than millions of other people. You have so many insurers to insure vehicles with, and though it is a good thing to have a choice, it can be more challenging to compare rates and find the lowest cost auto insurance.

You need to compare rates yearly due to the fact that insurance prices change frequently. If you had the lowest price on Sprinter insurance two years ago you will most likely find a better rate today. You can find a lot of information about auto insurance on the internet, but I’m going to show you some of the best techniques to lower your auto insurance rates.

The purpose of this post is to familiarize you with how to get online quotes. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Drivers just need to know the tricks to get comparison rates on the web.

Buy insurance coverage online

There are a lot of ways you can shop for insurance coverage but some are less labor-intensive and much quicker. You could waste time talking about coverages with local insurance agents in your area, or you can utilize the internet to get pricing more quickly.

All the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and each participating company provides a quote based on the submitted data. This saves time by eliminating quote forms to each individual insurance coverage company.

To find out what other companies charge click here to start a free quote.

One minor caviat to using this type of form is you cannot specify which carriers to get quotes from. So if you prefer to choose individual companies to compare prices, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but be certain you are entering the same coverage information with each company. If the quotes have different limits and deductibles on each one it’s not possible to find the best deal for your Mercedes-Benz Sprinter.

You may qualify for discounts

Auto insurance companies do not advertise their entire list of discounts very well, so the list below gives a summary of a few of the more well known and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

  • Save with a New Car – Adding a new car to your policy can save you some money since new model year vehicles are generally safer.
  • Early Renewal Discounts – A few larger companies give discounts for signing up early. You can save around 10% with this discount.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety is a good idea and can lower rates if your company offers it.
  • Bundled Policy Discount – If you combine your auto and home policies with the same insurance company you could save nearly 15% which can help you find cheaper insurance coverage.
  • Multiple Vehicles – Buying coverage for primary and secondary vehicles on one policy can get a discount for every vehicle.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
  • Drive Safe and Save – Drivers without accidents can get discounts for up to 45% lower rates on Sprinter insurance than drivers with accident claims.
  • Mature Driver Discount – Drivers that qualify as senior citizens can get a discount up to 10% on Sprinter insurance.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will bring down your premiums.

A few of the larger companies and some of their more popular discounts can be read below.

  • Progressive has discounts for online signing, multi-policy, good student, homeowner, online quote discount, multi-vehicle, and continuous coverage.
  • AAA may include discounts for AAA membership discount, anti-theft, good driver, multi-car, education and occupation, and pay-in-full.
  • Farmers Insurance discounts include teen driver, distant student, good student, business and professional, and switch companies.
  • GEICO may have discounts that include good student, multi-vehicle, seat belt use, anti-lock brakes, and military active duty.
  • Esurance policyholders can earn discounts including online quote, multi-policy, online shopper, homeowner, emergency road assistance, and claim free.
  • SAFECO offers premium reductions for multi-car, anti-lock brakes, drive less, accident prevention training, safe driver, bundle discounts, and teen safety rewards.
  • State Farm may offer discounts for safe vehicle, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, and driver’s education.

If you need lower rates, check with each insurance company which discounts you qualify for. Some discounts listed above may not apply to policies in your area. To see insurance coverage companies that offer multiple discounts, follow this link.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions could help you determine whether you would benefit from professional advice.

  • Am I covered when driving someone else’s vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need replacement cost coverage on my 2010 Mercedes-Benz Sprinter?
  • Does my personal policy cover me when driving out-of-state?
  • Does insurance cover tools stolen from my truck?
  • Are my friends covered when driving my 2010 Mercedes-Benz Sprinter?
  • Are rental cars covered under my policy?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Eight tips to get cheap insurance rates

Many things are considered when pricing auto insurance. Most are fairly basic such as your driving record, although some other factors are less obvious like your continuous coverage or your commute time.An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for insurance coverage. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

  • How much liability coverage do you need? – Liability insurance will afford coverage if ever you are found to be at fault for an accident. It will provide legal defense coverage which can cost a lot. It is affordable coverage compared to other policy coverages, so do not cut corners here.
  • Always keep your insurance coverage in place – Having a lapse in insurance coverage can be a quick way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance could result in fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Premiums are affected by your address – Living in less populated areas of the country can be a good thing when trying to find low car insurance rates. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. Residents of big cities tend to have more road rage incidents and more time behind the wheel. The longer drive time means more chances of being involved in an auto accident.
  • Gender as a rate factor – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Women and men have fender benders in similar numbers, but guys have accidents that have higher claims. They also get cited for more serious violations such as reckless driving.
  • Getting married can save you money – Having a significant other helps lower the price on your insurance coverage bill. Marriage demonstrates that you tend to be less irresponsible and it’s proven that married couples file fewer claims.
  • Your stress level may be raising your insurance coverage rates – Did you know your career choice can influence rates? Careers like judgesairline pilots and accountants generally have higher premium rates due to job stress and lots of time spent at work. On the flip side, jobs such as actors, engineers and retirees pay the least on Sprinter insurance.
  • Be proud to be claim-free – If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Companies award most affordable rates to insureds who file claims infrequently. Your car insurance is designed for larger claims.
  • Keep the miles off and save – The more you drive your Mercedes-Benz annually the higher the price you pay to insure it. A lot of insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that sit idle most of the time receive better premium rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance coverage coverage reflects the right rating data. An incorrectly rated Sprinter is throwing money out the window.

Auto insurance myths debunked

Drivers can’t get away from ads for auto insurance savings by companies like 21st Century, Allstate and State Farm. All the companies make the point about savings if you just switch to their company.

How does every auto insurance company charge you a lower premium? It’s all in how they say it.

Many companies quote the lowest rates for a prospective insured that earns them the most money. One example of a profitable customer might have to be a mature driver, has had continuous coverage, and drives less than 5,000 miles a year. Someone that meets those criteria will probably get the lowest prices and therefore will pay quite a bit less when switching companies.

Potential customers who don’t meet the ideal profile will be quoted higher premium rates which leads to business going elsewhere. The ad wording is “drivers that switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can advertise the way they do.

This really emphasizes why you should do a rate comparison at every renewal. It is impossible to predict which auto insurance company will fit you best based on your risk profile.

Specific coverages for a Mercedes-Benz Sprinter

Understanding the coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, theft and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Sprinter caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, medical expenses and pain and suffering. 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.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills such as pain medications, ambulance fees, doctor visits, nursing services and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Smart shoppers get results

In this article, we covered many ideas to shop for 2010 Mercedes-Benz Sprinter insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from an unexpected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

There are still a few companies who may not offer rates over the internet and most of the time these smaller companies sell through independent insurance agencies. Budget-friendly insurance coverage can be purchased both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from.

More information is available at the links below