Cheap 2017 Mercedes-Benz Sprinter Car Insurance Cost

Searching for cheaper insurance rates for your Mercedes-Benz Sprinter? Comparing insurance quotes online can be difficult if you haven’t ever compared insurance using online quotes. But don’t surrender to high rates because finding more affordable quotes is easier than you think.

Affordable insurance coverage

There are a lot of ways to compare insurance coverage prices and some are less time-consuming than others. You can spend your afternoon talking to local insurance agents in your area, or you can utilize the web to get rates in a matter of minutes.

Most of the larger companies belong to a marketplace where prospective buyers enter their policy data once, and each participating company returns a competitive quote for coverage. This system prevents you from having to do quote forms for each company.

To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of form is you can’t choose which carriers to get quotes from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but ensure you’re using equivalent quote information with each company. If the quotes have different deductibles it’s impossible to find the best deal for your Mercedes-Benz Sprinter. Slightly different insurance coverages or limits may result in a large different in cost. It’s important to know that obtaining a wide range of quotes increases your odds of finding the best rates. Not every company does online rate quotes, so it’s necessary to compare price quotes from them, too.

Find discounts to get cheap insurance coverage rates

Insuring your vehicles can cost a lot, but you might be missing out on some discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but a few need to be requested specifically before being credited.

  • Onboard Data Collection – Drivers who agree to allow driving data submission to study driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as the data is positive.
  • First Accident Forgiveness – Not really a discount, but some insurance companies will forgive one accident before raising your premiums if you have no claims prior to the accident.
  • Renewal Discounts – A few companies allow discounts for signing up before your current expiration date. You may see this discount when you get insurance quotes online.
  • Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may get savings as much as 30%.
  • Driver Training Discounts – Taking time to complete a course in defensive driver is a good idea and can lower rates and easily pay for the cost of the class.

As a sidenote, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works.

A few popular companies and their offered discounts are outlined below.

  • State Farm offers premium reductions for multiple autos, good driver, safe vehicle, accident-free, driver’s education, anti-theft, and passive restraint.
  • American Family may have discounts that include accident-free, Steer into Savings, mySafetyValet, good driver, good student, defensive driver, and early bird.
  • Geico discounts include daytime running lights, membership and employees, driver training, multi-policy, multi-vehicle, and good student.
  • 21st Century has discounts for air bags, driver training, student driver, good student, homeowners, and theft prevention.
  • Progressive has savings for multi-policy, online quote discount, online signing, multi-vehicle, good student, and continuous coverage.

If you need lower rates, check with all companies you are considering to apply every possible discount. All car insurance discounts may not apply to policies in your area. To find companies offering insurance coverage discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

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

  • Do I have newly-aquired coverage?
  • What is no-fault insurance?
  • I have health insurance so do I need medical payments coverage?
  • What companies insure drivers after a DUI or DWI?
  • Does liability extend to a camper or trailer?
  • Should I have combined single limit or split liability limits?
  • Am I covered if hit by an uninsured driver?
  • How high should deductibles be on a 2017 Mercedes-Benz Sprinter?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Learn how to buy car insurance more affordably

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that aid in calculating the level of your policy premiums. If you know what determines premiums, this helps enable you to make changes that could help you find big savings.

The itemized list below are some of the things car insurance companies consider when setting premiums.

  • Your stress level may be raising your rates – Did you know your career choice can influence rates? Occupations like real estate brokersairline pilots and emergency personnel tend to have the highest average rates attributed to intense work-related stress and lots of time spent at work. Conversely, professions such as professors, athletes and homemakers pay lower than average rates on Sprinter insurance.
  • Gender and car insurance costs – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that females are better drivers. They both are responsible for accidents in similar percentages, but guys tend to have more serious accidents. Men also tend to get cited for more serious violations like driving under the influence (DUI). Males from age 16 to 21 are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Never let your policy expire – Driving without insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will insurance be more expensive, getting caught without coverage can result in fines and jail time.
  • Cut rates and deter theft – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Higher physical damage deductibles are cheaper – Protection for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. A few examples of covered claims could be a dented fender, vandalism, and rolling your vehicle. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay out-of-pocket if the claim is covered. The more expense the insured has to pay upfront, the less your car insurance will be on Sprinter insurance.
  • Liability coverage limits should be high – Liability insurance provides coverage if ever a jury decides you are liable for an accident. It provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Your location is important – Living in smaller towns and rural areas of the country may provide you with better prices when buying car insurance. Urban drivers have to deal with much more traffic and longer commute times. Fewer people means a lower chance of having an accident.

Auto insurance ads are enticing

Companies like State Farm, Geico and Progressive continually stream ads on television and other media. They all seem to try to convey promises that people will save if you just switch to them. But how can every company have lower policy pricing? This is the way they can do it.

Auto insurance companies give the best rates for the type of driver that will not have excessive claims. For instance, a profitable insured might be described as married and over the age of 30, has had continuous coverage, and has a short commute. Any new insured who meets those qualifications may get the lowest car insurance rates and will pay quite a bit less when switching companies.

Consumers who do not match the “perfect” profile will be quoted higher premiums which results in the customer buying from someone else. The trick is to say “customers that switch” not “everyone who quotes” save that kind of money. This is how companies can truthfully make the claims of big savings.

Because of this risk profiling, drivers should get as many free insurance quotes as possible. Because you cannot predict the company that will fit you best based on your risk profile.

Insurance coverage considerations

Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision coverages – Collision coverage pays for damage to your Sprinter resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, sideswiping another vehicle, hitting a parking meter, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability coverages – This provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like medical services, court costs, pain and suffering, medical expenses and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for nursing services, ambulance fees, X-ray expenses, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane, hail damage, rock chips in glass and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 2017 Mercedes-Benz Sprinter.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Saving money makes a lot of cents

We just covered a lot of information how to shop for 2017 Mercedes-Benz Sprinter insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest auto insurance rates are with some of the lesser-known companies.

When trying to cut insurance costs, do not reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

Discount 2017 Mercedes-Benz Sprinter insurance is attainable from both online companies and from local agencies, so you need to shop insurance with both in order to have the best chance of saving money. Some insurance providers may not have price quotes online and usually these small insurance companies sell through local independent agencies.

Additional articles