How Much Does 2017 Mercedes-Benz Sprinter Car Insurance Cost in 2024?

Looking for cheaper auto insurance rates for your Mercedes-Benz Sprinter? There isn’t anyone who gets a kick out of paying for auto insurance, especially when they could find lower prices if they just compared rates.

Since you have so many online and local companies to choose from, it’s nearly impossible to find the best insurer.

Why smart buyers pay less for Mercedes-Benz Sprinter insurance

Part of the insurance coverage buying process is learning the rating factors that aid in calculating the level of your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that may result in lower insurance coverage prices.

The following are a few of the “ingredients” used by insurance companies to determine rates.

• Only buy what you need – There are a lot of additional coverages that sound like a good idea at the time when buying insurance coverage. Things like personal injury protection, death and dismemberment, and motor club memberships may not be needed and are just wasting money. These may sound like a good investment initially, but if you don’t need them remove them and pocket the money.
• Why do you need liability insurance? – The liability section of your policy provides coverage if ever you are found liable for damages caused by your negligence. This coverage provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so buy as much as you can afford.
• Rate your vehicle for proper use – Driving more miles in a year’s time the higher your rates will be. Most insurance companies calculate rates based upon how much you drive. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. It’s a smart idea to ensure your vehicle rating properly reflects the correct driver usage. An improperly rated Sprinter can cost quite a bit.
• Rates can drop if you have more than one policy – Many companies give a discount for people who carry more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you qualify for this discount already, drivers will still want to compare rates to confirm you are receiving the best rates possible.
• Lower premiums with no policy lapses – Having an insurance coverage lapse is a sure-fire way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance may result in a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Stay claim-free and save money – If you are the type of insured that files lots of claims don’t be surprised to see either higher rates or even cancellation. Companies give most affordable rates to policyholders who are claim-free. Auto insurance is meant to be used in the event of the large, substantial claims.
• Good drivers pay less – Having a clean driving record influences premium rates substantially. Just one moving violation may cause rates to rise by twenty percent. Attentive drivers get better prices compared to drivers with tickets. Drivers who have received dangerous violations such as reckless driving, hit and run or driving under the influence may need to prove financial responsibility to the state department of motor vehicles in order to continue driving.
• Improve your credit score and save – Credit score can be a huge factor in your rate calculation. Consumers who have high credit scores tend to be better drivers and file fewer claims than drivers with bad credit. If your credit history can be improved, you could be paying less to insure your 2017 Mercedes-Benz Sprinter by improving your rating.

Get affordable car insurance rates with discounts

Car insurance is not cheap, but there may be some discounts that could drop your premiums quite a bit. Certain credits will be shown at the time of purchase, but some need to be specially asked for before being credited.

• Telematics Discount – Drivers who elect to allow companies to scrutinize where and when they drive remotely like Allstate’s Drivewise may see discounts if they have good driving habits.
• Passenger Safety Discount – Options like air bags or motorized seat belts can get savings up to 30%.
• Defensive Driver – Successfully completing a course that instructs on driving safety can save you 5% or more and make you a better driver.
• Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn lower car insurance rates on the low mileage vehicles.
• ABS Braking Discount – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
• Distant Student Discount – Any of your kids who are attending college and do not take a car to college may be able to be covered for less.

Don’t be shocked that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you could get a free car insurance policy, nobody gets a free ride.

Some of the insurance companies that have most of these discounts include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Check with every prospective company which discounts you may be entitled to. Discounts may not be offered in your area. To locate companies who offer online car insurance quotes, enter your zip code here.

Buyer beware of car insurance advertising tricks

Well-known car insurance companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the ads advertise the message that drivers can save some big amount if you switch your coverage to them. But how can every company have lower policy pricing? It’s all in the numbers.

Car insurance companies have specific characteristics for the right customer that will most likely be profitable. For example, this type of insured might be between the ages of 40 and 55, has no prior claims, and has excellent credit. Any new insured who meets those qualifications receives the best rates and will most likely save a lot if they switch.

Potential insureds who don’t measure up to the “perfect” profile may be forced to pay a higher premium which leads to business not being written. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can make claims that they all have the best prices. Because every company is different, you really need to compare price quotes frequently. It’s just not possible to know with any certainty which company will have the lowest premium rates for your situation.

Tailor your insurance coverage to you

When buying adequate coverage, there isn’t really a cookie cutter policy. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

• Does insurance cover damages from a DUI accident?
• Do I have coverage if my license is suspended?
• What if I owe more than I can insure my car for?
• Does my policy cover my teen driver if they drive my company car?
• Can I afford low physical damage deductibles?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out your zip code.

Coverages available on your auto insurance policy

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages offered by auto insurance companies.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, fire damage, a tree branch falling on your vehicle, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like bail bonds, legal defense fees, loss of income, pain and suffering and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your Sprinter resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, rolling your car and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz Sprinter.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for prosthetic devices, X-ray expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

In any little way, save everyday

When searching for cheaper auto insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time that they should have had better coverage. Your strategy should be to buy enough coverage for the lowest cost, not the least amount of coverage.

In this article, we covered many ideas to shop for 2017 Mercedes-Benz Sprinter insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting inexpensive auto insurance. Consumers could even find that the lowest prices are with a lesser-known regional company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.