Cheaper 2018 Mercedes-Benz Sprinter Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 4, 2024

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Want lower insurance rates for your Mercedes-Benz Sprinter? Trying to find low-cost insurance for a Mercedes-Benz Sprinter can be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to find insurance online and you need to know the proper way to compare rates on a Mercedes-Benz and get the cheapest rates from both online companies and local agents.

If you have insurance now or need a new policy, you can learn to cut your premiums while maintaining coverages. Buying the cheapest protection is simple if you know the tricks. Drivers only need an understanding of how to shop for auto insurance online.

Affordable insurance rates with discounts

Companies don’t always list the entire discount list in an easy-to-find place, so below is a list a few of the more common and also the lesser-known discounts that you can inquire about if you buy car insurance online.

  • Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you may reduce your total bill.
  • No Claims – Drivers with accident-free driving histories have much lower rates in comparison to drivers who are more careless.
  • Low Mileage Discounts – Low annual miles could qualify for discounted insurance rates on garaged vehicles.
  • First Accident Forgiveness – Not necessarily a discount, but companies like GEICO, State Farm, and Progressive will forgive one accident without raising rates so long as you are claim-free for a particular time prior to the accident.
  • Telematics Data Discounts – Drivers who agree to allow their insurance company to spy on driving manner by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Multi-policy Discount – If you combine your auto and home policies with one insurance company you could earn a discount of 10% to 20% off each policy.
  • Early Switch Discount – Select insurance companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride.

Popular insurance companies and a partial list of their discounts are included below.

  • State Farm offers premium reductions for multiple autos, good student, driver’s education, anti-theft, student away at school, and safe vehicle.
  • Farmers Insurance includes discounts for business and professional, distant student, homeowner, good student, pay in full, and multi-car.
  • Progressive offers discounts including online quote discount, homeowner, good student, continuous coverage, and multi-policy.
  • GEICO discounts include seat belt use, defensive driver, good student, air bags, multi-policy, anti-theft, and multi-vehicle.
  • Auto-Owners Insurance may have discounts that include paperless, group or association, anti-theft, safe vehicle, and mature driver.
  • The Hartford policyholders can earn discounts including anti-theft, bundle, air bag, good student, vehicle fuel type, driver training, and defensive driver.
  • Farm Bureau has discounts for renewal discount, multi-vehicle, good student, 55 and retired, driver training, and youthful driver.
  • USAA may offer discounts for annual mileage, multi-policy, multi-vehicle, driver training, and vehicle storage.

Before buying, ask every insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply in your area.

Quote insurance online

Getting a cheaper price on 2018 Mercedes-Benz Sprinter insurance is surprisingly easy. Drivers just need to take time to get quotes from some recommended companies. Insurance prices can be quoted using a couple different methods.

  1. The most recommended method to compare a lot of rates at once is to use a rate comparison form. This style of form eliminates the need for repetitive form submissions for every insurance company. One quote request gets rate comparisons from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to analyze rates requires you to visit each company’s website to request a price quote. For sake of this example, let’s say you want to see prices from Auto-Owners, GEICO and Allstate. In order to get each rate, you would have to spend time going to each site individually and repeatedly enter your information, and that explains why we recommend the first method.
  3. If you have time to kill, the last method to find lower rates is to waste gas driving to all the different insurance agencies. Comparing rates online makes this process obsolete unless you’re the type of person who wants the professional abilities that only an agent can give. It is possible with some companies obtain prices from the web but buy the policy through an agent.

It’s up to you which method you use, but make darn sure you compare the same coverage limits for each quote you get. If you have different limits and deductibles on each one you will not be able to get a fair rate comparison.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions can aid in determining if your situation might need professional guidance.

  • Which is better, split liability limits or combined limits?
  • Why am I required to get a high-risk car insurance policy?
  • What is high-risk coverage and where do I buy it?
  • When should I remove comp and collision on my 2018 Mercedes-Benz Sprinter?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I hit my neighbor’s mailbox?
  • What vehicles should carry emergency assistance coverage?
  • How much liability do I need to cover my assets?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, free and you can get the answers you need.

Auto insurance policy coverages for a Mercedes-Benz Sprinter

Having a good grasp of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision protection

This coverage will pay to fix damage to your Sprinter caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for liability

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, funeral expenses, loss of income and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for hospital visits, rehabilitation expenses, pain medications, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, theft, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Saving money is sweet as honey

In this article, we presented some good ideas how to lower your 2018 Mercedes-Benz Sprinter insurance prices. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with a small local company.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at the best cost.

More affordable insurance coverage is possible from both online companies and from local insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not have the ability to get a quote online and usually these small insurance companies work with independent insurance agents.

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