Cheaper 2015 Mercedes-Benz Sprinter Car Insurance Rates

Searching for the cheapest car insurance rates for your Mercedes-Benz Sprinter? Finding better rates for car insurance is always nearly impossible for consumers new to shopping for insurance online. People have so many options available that it can quickly become a big hassle to find lower rates.

Why you might be paying too much to insure your Mercedes-Benz Sprinter

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

Shown below are a few of the “ingredients” auto insurance companies consider when setting your rates.

  • Your job and insurance rates – Careers like doctors, architects and accountants are shown to have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations such as scientists, athletes and the unemployed pay the least on Sprinter insurance.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Men and women tend to get into accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Liability coverage is cheap – Liability insurance is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores get lower rates. These vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Mercedes-Benz earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Cautious drivers pay less – Even a single citation can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Multiple policies with one company can save – Many insurance companies will award you with lower prices to people who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal.
  • Save money with special equipment – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

Don’t miss out on these money-saving discounts

Companies don’t always advertise all their discounts very well, so we researched both the well known and the harder-to-find ways to save on car insurance.

  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Student in College – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Save over 55 – Mature drivers may be able to get reduced rates on Sprinter insurance.
  • Organization Discounts – Affiliation with a civic or occupational organization could trigger savings on car insurance on Sprinter insurance.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts may not apply in your state.

Do I need special coverages?

When it comes to choosing coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions may help you determine whether or not you will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • Which companies will insure high-risk drivers?
  • What is the difference between comprehensive and collision coverage?
  • Is my custom paint covered by insurance?
  • When should I drop full coverage on my 2015 Mercedes-Benz Sprinter?
  • When would I need rental car insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Auto insurance 101

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability coverages – Liability insurance can cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from 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. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as medical expenses, loss of income, pain and suffering, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2015 Mercedes-Benz Sprinter.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, hail damage, falling objects and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, surgery, hospital visits and chiropractic care. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to 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

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

At the end of the day…

We’ve covered some good ideas how to lower your 2015 Mercedes-Benz Sprinter insurance rates. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from an unexpected company.

Drivers who switch companies do it for a variety of reasons including policy non-renewal, denial of a claim, high rates after DUI convictions or even questionable increases in premium. Whatever your reason, finding a great new company is less work than it seems.

Budget-conscious insurance is possible both online in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

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