How Much Does 2013 Mercedes-Benz Sprinter Car Insurance Cost?

High-priced Mercedes-Benz Sprinter insurance can diminish your monthly budget and force you to tighten up your finances. Comparing rates annually can lower your rates and help to make ends meet.

Having so many companies to choose from, it’s nearly impossible to find the lowest cost auto insurance provider.

You need to compare premium rates every six months since prices trend upward over time. Just because you had the best rate for Sprinter insurance six months ago you may be paying too much now. You’ll find quite a bit of inaccurate information about auto insurance on the web, but in this article, you’re going to get some of the best techniques to stop overpaying for insurance.

The purpose of this article is to help you learn how car insurance quotes work. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Vehicle owners only need an understanding of the proper way to shop for car insurance on the web.

Get lower-cost auto insurance rates with discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that could help you make your next renewal payment. Certain reductions will be credited when you quote, but occassionally some discounts must be asked about prior to getting the savings.

  • Student Driver Training – Have your child complete a driver education course in high school.
  • Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Mature Driver Discount – If you’re over the age of 55, you may be able to get better auto insurance rates for Sprinter insurance.
  • Home Ownership Discount – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Good Student Discount – A discount for being a good student may save as much as 25% on a auto insurance quote. Most companies allow this discount well after school through age 25.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.
  • Defensive Driver Discounts – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Discount for Low Mileage – Low mileage vehicles may allow you to get slightly better rates than normal.
  • Sign Online – Certain companies will provide an incentive for signing up on the internet.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount will definitely reduce your policy premiums.

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

Compare insurance coverage rate quotes online

Getting a cheap price on 2013 Mercedes-Benz Sprinter insurance is not a difficult process. You just need to take a couple of minutes comparing rate quotes to find out which insurance company has the cheapest auto insurance quotes. This can be accomplished using a couple different methods.

  • Experts agree that the best way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for repetitive form entry for each price estimate. In just a few minutes this one form will get you price quotes direct from many companies.
  • Another way to analyze rates is spending the time to visit each individual company website to request a price quote. For instance, we’ll assume you want to compare prices for State Farm, GEICO and American Family. In order to get each rate, you would have to navigate to each company’s site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  • The least efficient way to get price estimates is to drive around to all the different insurance agencies. Comparing online rate quotes has reduced the need for local agents unless you have a complicated situation and need the trained advice of an agent trained in personal lines coverage. It is possible to price shop your coverage online but purchase the actual policy in an agency.

It’s up to you how you get prices quotes, just do your best to use nearly identical coverage limits and deductibles on every price quote you get. If you compare higher or lower deductibles it will be nearly impossible to determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions may help highlight if your situation will benefit from professional help.

  • Is my 2013 Mercedes-Benz Sprinter covered for smoke damage?
  • Is rental equipment covered for theft or damage?
  • Am I covered when pulling a rental trailer?
  • Does medical payments coverage apply to all occupants?
  • Should I carry comprehensive and collision coverage?
  • Should I put collision coverage on all my vehicles?
  • Should I bundle my homeowners policy with my auto?
  • What is the difference between comprehensive and collision coverage?
  • Are rock chip repairs covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage options for a Mercedes-Benz Sprinter

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, structural damage, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers damage to your Sprinter resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, colliding with another moving vehicle, colliding with a tree, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Find Good Coverage for Less

You just read a lot of ways to lower your 2013 Mercedes-Benz Sprinter insurance prices. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier. These companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or GEICO.

When searching for cheap auto insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Much more information about insurance coverage is located below: