View 2016 Mercedes-Benz Sprinter Car Insurance Quotes

Finding low-cost insurance for a Mercedes-Benz Sprinter can turn out to be a painful process, but you can learn a few tricks to save time. There are more efficient ways to compare insurance coverage rates and we’ll show you the absolute fastest way to compare rates for a new or used Mercedes-Benz and get the cheapest rates from both online companies and local agents.

You should take the time to compare premium rates once or twice a year since insurance prices change regularly. Even if you think you had the lowest rate for Sprinter coverage a couple years back you may be paying too much now. Forget all the misinformation about insurance coverage because we’re going to demonstrate the right way to find the best coverage while lowering your premiums.

The best way to compare policy rates is to know auto insurance companies allow for online access to compare rate quotes. The one thing you need to do is provide a small amount of information like if you went to college, if your license is active, which vehicles you own, and if the car is leased. That information is instantly submitted to many of the top insurers and they return rate quotes within a short period of time.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if you will benefit from professional help.

Is my custom paint covered by insurance?
If I drive on a suspended license am I covered?
Does having multiple vehicles earn me a discount?
Does my liability insurance cover pulling a trailer or camper?
Do I pay less if my vehicle is kept in my garage?
Am I covered if my car is in a flood?
Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage basics

Learning about specific coverages of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, doctor visits, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz Sprinter.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverage

Liability coverage provides protection from 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 injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, attorney fees, court costs, loss of income and bail bonds. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive auto insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, damage from getting keyed and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage pays for damage to your Sprinter resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.