Lower Your 2020 Mercedes-Benz Sprinter Insurance Rates in 2024

Want the cheapest auto insurance rates? Drivers have lots of choices when trying to find low-cost Mercedes-Benz Sprinter insurance. They can either waste time calling around getting price quotes or save time using the internet to compare rates.

There is a better way to shop for auto insurance and you need to know the proper way to price shop coverage on a Mercedes-Benz and locate the best price possible from local insurance agents and online providers.

The purpose of this post is to help educate you on the best way to quote coverages and some tips to save money. If you have car insurance now, you will be able to cut costs considerably using these techniques. Vehicle owners just need to learn the proper way to get comparison quotes online.

Compare insurance rates

Most of the larger companies like GEICO, State Farm and Progressive allow you to get prices directly from their websites. Comparing rates online is pretty painless because it’s just a matter of typing in the amount of coverage you want into the form. After you submit the form the quote system gets credit information and your driving record and gives you a price quote determined by many factors.

Online price estimates helps simplify price comparisons, but the time required to go to several different sites and type in the same information gets old quite quickly. But it’s very important to do this if you are searching for a lower rate.

The quickest way to locate the lowest prices is to use a quote form that analyzes rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much simpler. Immediately after you send the form, it gets priced and you can select any or none of the quote results.

If you find a better price it’s easy to complete the application and purchase coverage. This process only takes a few minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, simply enter your zip code here and input your coverage information. If you have coverage now, it’s recommended that you enter the coverages identical to your current policy. This way, you will be getting a price comparison based on the exact same insurance coverage.

Discounts for cheaper car insurance rates

Some companies don’t always list every available discount very well, so we break down some of the best known and the more hidden credits available to lower your premiums when you buy insurance coverage online.

• Discounts for Government Workers – Active or former government employment can save as much as 8% on Sprinter insurance with some car insurance companies.
• Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings on your bill.
• No Claims – Insureds with no claims or accidents pay less when compared with bad drivers.
• Early Signing – Some insurance companies give discounts for buying a new policy prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
• Discounts for New Vehicles – Insuring a new car can cost up to 25% less due to better safety requirements for newer models.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Companies and the discounts they provide are included below.

• State Farm has discounts for accident-free, Steer Clear safe driver discount, driver’s education, multiple autos, safe vehicle, passive restraint, and anti-theft.
• Progressive has savings for online quote discount, good student, homeowner, multi-vehicle, online signing, multi-policy, and continuous coverage.
• Travelers may have discounts that include hybrid/electric vehicle, IntelliDrive, home ownership, driver training, multi-policy, and early quote.
• American Family offers discounts including Steer into Savings, bundled insurance, defensive driver, mySafetyValet, multi-vehicle, air bags, and accident-free.
• Liberty Mutual includes discounts for hybrid vehicle, new move discount, preferred payment discount, multi-policy, and exclusive group savings.

Before you buy a policy, ask every insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered everywhere.

How your Sprinter insurance prices are determined

Lots of factors are part of the equation when you get a price on insurance. Most are fairly basic like an MVR report, but other factors are less apparent such as your marital status or your commute time. Part of the car insurance buying process is learning some of the elements that are used to determine the level of your policy premiums. If you have a feel for what determines premiums, this helps enable you to make changes that can earn you lower premium levels.

• Big cities mean more claims – Choosing to live in less populated areas of the country has it’s advantages if you are looking for the lowest rates. City drivers have more road rage incidents and more time behind the wheel. Fewer drivers translates into fewer accidents.
• Use but don’t abuse your insurance – Insurance companies give the best rates to insureds who are not frequent claim filers. If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Your insurance policy is intended for major claims that would cause financial hardship.
• High coverage deductibles lower costs – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some instances where coverage would apply are a windshield shattered by a rock, collision with an animal, and having your car stolen. The deductibles you choose define the amount you are willing to pay in the event of a claim. The more money you’re willing to pay, the lower your rates will be on Sprinter insurance.
• Remove unneeded extra coverages – Policies have additional extra coverages that sound like a good idea at the time but may not be useful. Coverage for things like coverage for rental cars, high-cost glass coverage, and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if you don’t need them consider taking them off your policy.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is not a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

• Am I covered if I hit a deer?
• Does my insurance cover my expensive audio equipment?
• Who is covered by my policy?
• Am I getting all the discounts available?
• Will I be non-renewed for getting a DUI or other conviction?
• If my 2020 Mercedes-Benz Sprinter is totaled, can I afford another vehicle?
• I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It is quick, free and can help protect your family.

Car insurance 101

Understanding the coverages of your insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, rehabilitation expenses, pain medications and nursing services. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has 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 policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as structural damage, court costs and medical services. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Mercedes-Benz Sprinter.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Spend less. Save more.

Drivers leave their current company for many reasons like being labeled a high risk driver, lack of trust in their agent, unfair underwriting practices or questionable increases in premium. No matter why you want to switch, finding a new company can be pretty painless.

We just covered many tips how you can lower your 2020 Mercedes-Benz Sprinter insurance rates. The most important thing to understand is the more you quote insurance coverage, the higher your chance of finding the cheapest insurance coverage. You may even find the lowest priced auto insurance comes from the least-expected company.

As you quote insurance coverage, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.