Quick Tutorial for Finding Car Insurance for a Mercedes-Benz Sprinter 2500

Trying to find better insurance prices for a Mercedes-Benz Sprinter 2500 can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to get price quotes for a Mercedes-Benz and obtain the cheapest rates from both online companies and local agents.

How to Compare Car Insurance Costs

Lowering your Mercedes-Benz Sprinter 2500 car insurance rates is surprisingly easy. Consumers just need to take the time getting comparison quotes online from several insurance companies. This can be done using a couple different methods.

One of the best ways to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do separate forms for each company you want a rate for. Taking the time to complete one form will return price quotes from many national carriers. This is by far the quickest method.

A slightly less efficient method to obtain and compare quotes online is going to the website of each company to request a price quote. For sake of this example, let’s assume you want comparison quotes from Liberty Mutual, Allstate and American Family. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, double check that you are using apples-to-apples deductibles and coverage limits on every quote you get. If you enter differing limits it’s impossible to make an equal comparison.

How much can you save with discounts?

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Some trigger automatically when you purchase, but a few need to be asked about prior to receiving the credit. If you don’t get every credit available, you’re paying more than you need to.

• Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
• Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
• Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
• Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of more than 20%.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
• Multiple Policy Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
• Claim Free – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
• Defensive Driving Course – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
• Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren’t that generous. Any qualifying discounts will bring down your premiums.

To see a list of insurance companies offering car insurance discounts, click this link.

Mercedes-Benz Sprinter 2500 insurance premiums are calculated by many factors

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with big savings.

• Protect your assets with liability insurance – Liability insurance is the coverage that protects you when a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
• Do men or women drive better? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes are in accidents at a similar rate, but the men have costlier accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
• Poor credit can mean higher rates – Credit history is a large factor in determining your rates. If your credit is not that good, you could potentially save money when insuring your Mercedes-Benz Sprinter 2500 by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
• Lower deductibles cost more – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Mercedes-Benz from damage. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more the insured has to pay upfront, the less your car insurance will be on Sprinter insurance.
• Poor driving leads to higher costs – Drivers who don’t get tickets get better rates than people who have multiple driving citations. Even one citation can bump up the cost by as much as thirty percent. Drivers with severe tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
• Pay less if you’re married – Having a spouse actually saves money on your policy. Marriage is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.
• Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Mercedes-Benz Sprinter 2500 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Lower rates come with age – Young drivers are known to be less responsible when driving so they pay higher car insurance rates. Adding a teen driver onto your car insurance can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.

How much car insurance do I need?

When buying coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

• Do I really need UM/UIM coverage?
• Is my teen driver covered when they drive my company car?
• What discounts do I qualify for?
• What is the minimum liability in my state?
• Does my Mercedes-Benz Sprinter 2500 need full coverage?
• Does my Mercedes-Benz Sprinter 2500 qualify for pleasure use?
• When should I remove comp and collision on my Mercedes-Benz Sprinter 2500?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Keep this in mind

We’ve covered a lot of techniques to compare Mercedes-Benz Sprinter 2500 insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Cheap Mercedes-Benz Sprinter 2500 insurance can be purchased online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There are many occasions where an insured cut full coverage only to regret they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.