2015 Mercedes-Benz Sprinter Car Insurance Cost – 9 Policy Discounts

There isn’t a single person who rejoices having to buy car insurance, especially when they could find better rates elsewhere. Due to the abundance of companies and agents to choose from, it’s nearly impossible to choose the cheapest car insurance provider.

It’s important to get comparison quotes yearly because car insurance rates are constantly changing. Just because you had the best premium rates for Sprinter coverage on your last policy the chances are good that you can find a lower price today. Forget all the misinformation about car insurance because you’re about to learn the fastest and easiest way to find the best coverage while lowering your premiums.

Finding the best rates is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Consumers just need to learn the most efficient way to shop their coverage around online.

Compare free auto insurance quotes

The majority of larger companies make it easy to get coverage price quotes online. Getting quotes is pretty easy because you just enter your required coverages as detailed in the form. After you complete the form, their system automatically retrieves reports for credit and driving violations and generates pricing information based on these and other factors. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit different websites and complete many quote forms is monotonous and tiresome. But it’s necessary to compare as many rates as possible if you want to get a lower rate.

Keep reading for an easier way to compare prices

A quicker way to compare rates uses one form that gets price quotes from a lot of companies. The form is fast, eliminates repetitive work, and makes rate comparisons much easier to do. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any or none of the quotes returned. If a lower price is quoted, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and could lower your rates considerably.

In order to use this form to compare rates, simply click here to open in new window and submit the form. To compare your current rates, we recommend you replicate deductibles and limits as close as possible to your current policy. This way, you are getting a fair comparison based on similar coverages.

Do insurance coverage companies bend the truth?

Consumers can’t get away from ads that claim the cheapest car insurance rates by companies like State Farm, Allstate and GEICO. They all seem to advertise the message of big savings if you just switch your coverage to them.

How is it possible that every company can claim to save you money?

All companies have specific guidelines for the right customer that will add to their bottom line. For example, this type of risk profile may be between the ages of 30 and 50, has a low-risk occupation, and has a high credit rating. Any person that meets those criteria is entitled to the best price and as a result will probably save quite a bit of money when switching.

Insureds who fall short of the ideal profile will be charged a higher premium and this can result in the customer buying from someone else. The ads state “drivers that switch” not “everyone who quotes” save that much money. That is how companies can truthfully claim big savings. Because of these techniques, you really should compare rate quotes every year. Because you never know which insurance companies will provide the lowest prices.

Insurance Discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that you may not even be aware of. Some discounts apply automatically at the time of quoting, but some discounts are required to be manually applied before they will apply.

  • Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for reduced rates for Sprinter coverage.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in high school.
  • Bundle and Save – When you combine your homeowners and auto insurance with the same insurance company you may save over 10 percent off each policy depending on the company.
  • Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for Sprinter coverage with some insurance companies.
  • Discounts for New Vehicles – Buying coverage on a new vehicle can save you some money due to better safety requirements for new model year vehicles.
  • Own a Home – Owning a house may trigger a policy discount on insurance because owning a home requires personal responsibility.

It’s important to note that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, you won’t be that lucky.

Larger insurance companies and some of the discounts include:

  • State Farm may have discounts that include multiple autos, student away at school, accident-free, Steer Clear safe driver discount, driver’s education, anti-theft, and safe vehicle.
  • Liberty Mutual offers premium reductions for new move discount, multi-policy, hybrid vehicle, newly retired, multi-car, and new vehicle discount.
  • American Family has savings for good driver, early bird, multi-vehicle, mySafetyValet, good student, and TimeAway discount.
  • Progressive has discounts for homeowner, multi-policy, good student, multi-vehicle, and online signing.
  • Farmers Insurance policyholders can earn discounts including teen driver, alternative fuel, business and professional, youthful driver, electronic funds transfer, good student, and mature driver.
  • Auto-Owners Insurance discounts include mature driver, good student, paid in full, air bags, anti-lock brakes, company car, and group or association.
  • SAFECO offers discounts for teen safe driver, anti-lock brakes, anti-theft, drive less, teen safety rewards, accident prevention training, and bundle discounts.

If you need low cost car insurance quotes, ask each insurance company what discounts are available to you. Discounts may not apply to policyholders in your state. For a list of insurers with the best insurance discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is not a single plan that fits everyone. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I waive the damage coverage when renting a car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Where can I get insurance after a DUI in my state?
  • What is the rate difference between pleasure use and commuting?
  • What happens if I owe more than my 2015 Mercedes-Benz Sprinter is worth?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Coverage specifics

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as ambulance fees, doctor visits, surgery and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz Sprinter.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision – This coverage pays for damage to your Sprinter from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, damage from a tornado or hurricane, hitting a deer and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability – This coverage can cover damage that occurs to people or other property in an accident. Liability coverage has 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 limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

More quotes mean more savings

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that it was a big mistake. The goal is to buy enough coverage for the lowest cost while still protecting your assets.

Cheap 2015 Mercedes-Benz Sprinter insurance is available both online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies may not provide online rate quotes and usually these smaller providers provide coverage only through independent insurance agencies.

Additional learning opportunities