2013 Mercedes-Benz Sprinter Car Insurance Quotes – 7 Tips to Save

Buyers have options when searching for the lowest priced Mercedes-Benz Sprinter insurance. They can either waste time contacting agents to compare prices or leverage the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the quickest way to price shop coverage for your Mercedes-Benz and get the best price possible.

It’s important to shop coverage around before your policy renews because prices fluctuate regularly. Just because you had the best deal on Sprinter insurance on your last policy other companies may now be cheaper. There is a lot of bad information regarding insurance coverage online, so we’re going to give you some proven techniques to find cheap insurance coverage.

If you have a policy now or need new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. This article will instruct you on how to effectively get price quotes and some tricks to saving. Consumers only need to know the proper methods to compare price quotes over the internet.

How to Compare Insurance Quotes

There are several ways to shop for Mercedes-Benz Sprinter insurance, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to agents in your area, or you could save time and use online quoting to quickly compare rates.

Most car insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and each participating company returns a competitive quote based on that data. This saves time by eliminating form submissions for every insurance company. To find out how much you can save on insurance click here to start a free quote.

The one disadvantage to pricing coverage this way is that you can’t choose the providers you want to price. So if you want to choose individual companies to compare rates, we have a page of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but be sure to compare apples-to-apples coverage information for each comparison quote. If you enter different limits and deductibles on each one you can’t possibly find the best deal for your Mercedes-Benz Sprinter.

Do insurance coverage companies bend the truth?

Drivers can’t get away from ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. They all seem to say the same thing about savings if you switch to their company.

How can each company say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that is profitable for them. For example, a driver they prefer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who fall outside the requirements will be quoted a higher premium and ends up with business not being written. The ads state “people who switch” not “everybody who quotes” save that much. That’s why companies can advertise the savings.

This emphasizes why it is so important to compare as many rates as you can. It’s impossible to know which insurance companies will fit your personal profile best.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically at quote time, but a few need to be asked for in order for you to get them. If you don’t get every credit available, you’re just leaving money on the table.

  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • No Accidents – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for reduced rates on Sprinter insurance.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of companies who offer car insurance discounts, click here.

How to know if you need help

When choosing the best auto insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • I don’t drive much so do I pay less?
  • Is upholstery damage covered by car insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When should I drop full coverage on my 2013 Mercedes-Benz Sprinter?
  • Does insurance cover damages from a DUI accident?
  • How can I get high-risk coverage after a DUI?
  • Who is covered by my policy?
  • Should I rate my 2013 Mercedes-Benz Sprinter as pleasure use or commute?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverages 101

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercedes-Benz Sprinter.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, prosthetic devices, doctor visits, funeral costs and hospital visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, loss of income, court costs and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance 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 and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, crashing into a building, crashing into a ditch, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, falling objects, damage from getting keyed and vandalism. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Best coverage at the best price

Cheaper 2013 Mercedes-Benz Sprinter insurance is definitely available online and with local insurance agents, and you should be comparing both to have the best selection. A few companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price.

Insureds who switch companies do it for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, denial of a claim or delays in paying claims. It doesn’t matter what your reason, finding a great new company is actually quite simple.

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