Lower Your 2019 Mercedes-Benz Sprinter Insurance Cost in 2024

Do you get exhausted from not being able to afford to buy auto insurance? You have the same problem as many other consumers.

You have so many car insurance companies to insure vehicles with, and though it is a good thing to have a choice, it makes it harder to compare rates and cut insurance costs.

It’s a great practice to get comparison quotes on a regular basis since insurance prices go up and down regularly. Just because you found the best deal for Sprinter insurance at your last renewal you can probably find a better rate quote now. Block out anything you think you know about auto insurance because you’re about to learn one of the easiest ways to eliminate unnecessary coverages and save money.

The purpose of this article is to tell you how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Although consumers do need to know the way companies market insurance on the web and apply this information to your search.

Compare auto insurance rates

When shopping for auto insurance there are multiple ways of comparing price quotes from different insurance companies. The best way to compare rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

1. The recommended way to get quotes for comparison is to use a rate comparison form. This style of form eliminates the need for multiple quote forms for each company you want a rate for. A single, simple form will return quotes direct from many companies.
2. A more time consuming way to obtain and compare quotes online requires a visit to each individual company website and repeat the quote process again and again. For sake of this example, let’s assume you want to see prices from State Farm, GEICO and American Family. In order to compare rates, you need to go to each individual site to input your insurance information, and that explains why we recommend the first method.

The method you choose is up to you, but try to use identical coverages on every quote you get. If you are comparing different limits and deductibles on each one you will not be able to make a fair rate comparison. Slightly different coverage limits may cause a big price difference. And when price shopping your coverage, comparing a large number of companies will enable you to find a lower rate. Some smaller insurers to not give rate quotes online, so it’s recommended that you also compare quotes from the smaller companies as well.

Lower rates by qualifying for discounts

Auto insurance companies don’t always advertise every policy discount very well, so here is a list some of the more common and the more hidden credits that may apply to you.

• Safety Course Discount – Completing a course teaching safe driver skills can save you 5% or more and easily recoup the cost of the course.
• Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
• Good Student – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
• Bundle and Save – If you can combine your homeowners and auto policy with one company you could get a discount of 10% to 20% off each policy.
• Multiple Cars – Drivers who insure all your vehicles on one policy can get a discount for every vehicle.
• Savings for New Vehicles – Buying insurance on a new vehicle may earn a small discount due to better safety requirements for newer vehicles.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and their offered discounts can be read below.

• Progressive may have discounts that include good student, multi-policy, online signing, homeowner, online quote discount, multi-vehicle, and continuous coverage.
• GEICO offers discounts including multi-vehicle, emergency military deployment, defensive driver, multi-policy, good student, five-year accident-free, and seat belt use.
• State Farm offers discounts for multiple autos, multiple policy, passive restraint, driver’s education, and defensive driving training.
• Esurance discounts include Pac-12 alumni, online quote, homeowner, DriveSense, and defensive driver.
• The Hartford policyholders can earn discounts including driver training, air bag, bundle, good student, anti-theft, and defensive driver.

It’s a good idea to ask every prospective company what discounts are available to you. Some of the discounts discussed earlier might not be offered in your area. If you would like to see a list of insurers that offer some of these discounts, enter your zip code here.

Why informed consumers pay less for Mercedes-Benz Sprinter insurance

Lots of factors are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but some are less obvious such as your marital status or your financial responsibility. The best way to find cheaper car insurance is to take a look at some of the elements that help determine the level of your policy premiums. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that could result in lower car insurance prices.

• Use one insurance company and save – Lots of car insurance companies afford discounts to clients who carry more than one policy in the form of a multi-policy discount. Discounts can amount to 10 percent or more. Even if you already get this discount, you may still want to compare other company rates to help guarantee you have the best rates.
• Car insurance policy lapses increase car insurance rates – Having a lapse in insurance coverage is a fast way to drive up your policy premiums. Not only will rates go up, the inability to provide proof of insurance can result in a revoked license or a big fine. You will then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Increase deductibles to save – Physical damage insurance, aka comp and collision, helps pay for damage to your vehicle. Some examples of covered claims are a dented fender, hitting a deer, or theft. Physical damage deductibles define the amount you are willing to pay out-of-pocket if a claim is determined to be covered. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive for Sprinter insurance.
• Older drivers save more – Teen drivers are proven to be inattentive and easily distracted when driving with friends and because of this, their car insurance rates are much higher. More experienced drivers are viewed as being more responsible, cause fewer claims and accidents and are safer drivers.

Insurance is unique, just like you

When buying adequate coverage, there is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation might need professional guidance.

• Do I have any recourse if my insurance company denies a claim?
• Am I better off with higher deductibles on my 2019 Mercedes-Benz Sprinter?
• Do I need medical payments coverage since I have good health insurance?
• Does coverage extend to Mexico or Canada?
• Is Motor Club coverage worth it?
• Does medical payments coverage apply to all occupants?
• Should I buy additional glass protection?
• Does my 2019 Mercedes-Benz Sprinter qualify for pleasure use?
• Are split liability limits better than a combined single limit?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Big names are not always cheapest

State Farm and Allstate continually stream ads on television and other media. They all seem to convey the message that drivers can save some big amount if you move your car insurance policy to them. How is it possible that every company can save you money? Just pay attention to how they say it.

Insurance companies require specific criteria for a prospective insured that will generate a profit. An example of this type of driver might be described as between the ages of 30 and 45, has never had a policy lapse, and chooses high deductibles. A driver that meets those criteria will probably get cheap premium rates as well as save some money.

Potential customers who don’t meet those standards must pay more expensive rates which leads to business not being written. The wording the ads use say “people who switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently claim big savings.

Each company has different criteria, so you really need to compare as many free car insurance quotes as you can. It’s just not possible to know which company will be your best fit.

Car insurance 101

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses like EMT expenses, ambulance fees, hospital visits, X-ray expenses and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, bail bonds, attorney fees and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision insurance covers 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 can pay for claims such as backing into a parked car, sideswiping another vehicle, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz Sprinter.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding, fire damage, damage from getting keyed and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

When you buy car insurance online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage and found out when filing a claim that the savings was not a smart move. Your goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

Some insurance providers may not provide online price quotes small insurance companies only sell coverage through local independent agents. Cost effective 2019 Mercedes-Benz Sprinter insurance is possible both online in addition to many insurance agents, and you need to price shop both to have the best selection.