2014 Mercedes-Benz Sprinter Car Insurance Quotes

Looking for better insurance rates for your Mercedes-Benz Sprinter? Purchasing the lowest cost insurance on the web may be rather challenging for people who are new to online price comaprisons. With so many choices of online companies, how can you have a chance to compare every company to locate the lowest price?

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Some discounts apply automatically when you quote, but less common discounts must be specifically requested before they will apply.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Sprinter coverage than drivers with accidents.
  • Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Government Employees – Simply working for the federal government can save as much as 8% for Sprinter coverage depending on your company.
  • Save with a New Car – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Organization Discounts – Belonging to a qualifying organization could trigger savings when shopping for car insurance for Sprinter coverage.
  • Lower Rates for Military – Having a family member in the military can result in better rates.

It’s important to understand that some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will reduce the amount you have to pay.

Companies who might offer these money-saving discounts include:

Double check with each company which discounts they offer. Discounts may not apply in your area.

Everyone needs different coverages

When choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For example, these questions could help you determine if you will benefit from professional help.

  • Is a fancy paint job covered?
  • Should I waive the damage coverage when renting a car?
  • Where can I find DUI or SR-22 insurance?
  • Will my insurance pay for OEM parts?
  • Why am I required to buy high-risk coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I better off with higher deductibles on my 2014 Mercedes-Benz Sprinter?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your insurance policy

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses like dental work, prosthetic devices, EMT expenses, nursing services and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz Sprinter.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, falling objects, hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum payout 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.

Auto collision coverage

Collision coverage will pay to fix damage to your Sprinter resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, emergency aid, structural damage and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

In the end, you save

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage and learned later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

In this article, we covered some good ideas how to lower your 2014 Mercedes-Benz Sprinter insurance rates. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the lowest premiums are with an unexpected company.

Insureds switch companies for many reasons like delays in paying claims, unfair underwriting practices, not issuing a premium refund and being labeled a high risk driver. Regardless of your reason, finding a new auto insurance company can be easy and end up saving you some money.

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