2014 Mercedes-Benz Sprinter Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 13, 2015

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Shoppers have lots of choices when shopping for affordable Mercedes-Benz Sprinter insurance. They can either spend hours driving around trying to get quotes or save time using the internet to get rate quotes. There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to compare rates for a Mercedes-Benz and locate the lowest price from both online companies and local agents.

Buying car insurance is quite easy. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Drivers just need to know the most effective way to compare prices online.

Insurance Coverage Quote Comparison

All the larger insurance coverage companies such as Progressive, Allstate and GEICO allow you to get coverage prices directly from their websites. Getting online quotes doesn’t take much effort as you simply enter your personal and coverage information into a form. Once entered, their rating system requests your credit score and driving record and returns a price based on these and other factors.

Online price quotes makes comparing rates easy, but the time it takes to visit many different websites and enter the same data into a form gets old quite quickly. But it’s very important to compare as many rates as possible in order to find a lower rate.

The quickest way to find better insurance coverage pricing uses one form that gets price quotes from several companies at one time. The form is fast, requires less work, and makes online shopping much more efficient. Immediately after you send the form, it is quoted and you are able to buy your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

To compare rates now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you replicate the insurance coverages identical to your current policy. This guarantees you will have an apples-to-apples comparison using the exact same coverages.

Don’t miss these discounts

Companies offering auto insurance don’t always list all available discounts in an easy-to-find place, so we researched some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit possible, you are throwing money away.

  • New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Accident Forgiveness – Some insurance companies allow you one accident before your rates go up if your claims history is clear for a set time period.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

Drivers should understand that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies that may have some of the above discounts include:

Double check with each company how you can save money. Some discounts may not be available in every state.

What determines your Mercedes-Benz Sprinter insurance premium

Smart consumers have a good feel for the factors that help determine insurance coverage rates. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

The following are some of the items used by your company to calculate rates.

  • Never go without insurance – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Being married is a good thing – Having a wife or husband can get you a discount on your policy. Having a significant other translates into being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Your job and insurance rates – Careers like judges, architects and accountants are shown to have higher rates than average because of high stress and lots of time spent at work. On the flip side, professions such as pilots, athletes and retirees pay the least on Sprinter insurance.
  • Frequent insurance coverage claims increase rates – Auto insurance companies give lower rates to people who are claim-free. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.

When might I need help?

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Can my babysitter drive my car?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my cargo covered for damage or theft?
  • Does liability extend to a camper or trailer?
  • Am I covered when pulling a rental trailer?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage breakdown

Having a good grasp of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mercedes-Benz Sprinter.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as legal defense fees, structural damage and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses for things like funeral costs, pain medications, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop. Compare. Save.

In this article, we covered a lot of tips how to get a better price on 2014 Mercedes-Benz Sprinter insurance. It’s most important to understand that the more you quote, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Low-cost insurance can be sourced both online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced full coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find for the lowest price.

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