How to Reduce Your Mercedes-Benz Sprinter 2500 Auto Insurance Rates

Drivers have many options when trying to find affordable Mercedes-Benz Sprinter 2500 insurance. They can either spend hours calling around getting price quotes or utilize the internet to make rate comparisons.

There is a better way to find auto insurance online and you need to know the proper way to get price quotes for a new or used Mercedes-Benz and obtain the lowest price from local insurance agents and online providers.

It’s a great practice to take a look at other company’s rates quite often since insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rates on Sprinter insurance a year ago a different company probably has better rate quotes today. There is too much inaccurate information about auto insurance online but in a few minutes you can learn a lot of great tips on how to buy auto insurance cheaper.

The purpose of this article is to help you learn how to get online quotes and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Vehicle owners only need to know the tricks to buy auto insurance online.

Auto insurance discounts help lower rates

Auto insurance companies do not list their entire list of discounts very well, so we took the time to find a few of the more common as well as some of the hidden credits available to lower your premiums when you .

  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may get savings of more than 20%.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Sprinter insurance.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and therefore earn up to a 10% discount.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy some life insurance too.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts in comparison with policyholders that have many claims.
  • Switch and Save Discount – Some larger companies give discounts for switching policies before your current coverage expires. It can save you around 10%.
  • Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
  • Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates on Sprinter insurance as compared to drivers with claims.
  • Accident Waiver – This one is not really a discount per se, but a few companies such as State Farm and GEICO will forgive one accident without raising rates if you are claim-free prior to being involved in the accident.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck.

Companies and their possible discounts are: auto insurance

  • GEICO offers discounts including daytime running lights, driver training, membership and employees, multi-vehicle, and good student.
  • Travelers may have discounts that include student away at school, multi-car, hybrid/electric vehicle, new car, save driver, early quote, and driver training.
  • Farm Bureau offers premium reductions for renewal discount, safe driver, youthful driver, multi-policy, driver training, 55 and retired, and good student.
  • Liberty Mutual includes discounts for good student, preferred payment discount, new graduate, newly married, and exclusive group savings.
  • American Family has savings for mySafetyValet, accident-free, good student, air bags, good driver, bundled insurance, and multi-vehicle.
  • Progressive may include discounts for good student, multi-policy, homeowner, online quote discount, and multi-vehicle.

Before purchasing a policy, check with each company which credits you are entitled to. Some credits may not be offered in your area.

Mercedes-Benz Sprinter 2500 Insurance Premium Factors

A large part of saving on auto insurance is knowing a few of the rating criteria that are used to determine your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that may reward you with cheaper rates.

  • Drive less and get lower prices – The higher the mileage driven every year the higher your rates will be. Almost all companies charge rates based upon how much you drive. Vehicles that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Double check that your auto insurance declarations sheet correctly shows the correct usage. Incorrect rating for your Sprinter 2500 is just wasting money.
  • Where you call home can influence rates – Living in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Lower population means fewer accidents in addition to fewer liability claims. Residents of big cities regularly have more auto accidents and longer commutes to work. More time commuting means more chance of being in an accident.
  • Discounts for multiple policies – Most insurance companies provide lower prices to insureds that have more than one policy such as combining an auto and homeowners policy. If you currently are using one company, drivers will still want to comparison shop to make sure you are getting the best deal.
  • Pay less with a high NHTSA crash test rating – Safer cars cost less to insure. Vehicles built for safety protect occupants better and better occupant protection means your insurance company pays less and lower rates for you. If your Mercedes-Benz Sprinter 2500 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 it may be receiving lower rates.

Auto insurance savings promises

Consumers can’t get away from ads that claim the lowest car insurance rates from companies such as State Farm and Allstate. They all seem to advertise claims that you’ll save big if you change to them.

It sounds good, but how can they all cost less than your current company? You have to listen carefully.

Insurance companies provide the lowest rates for the type of customer that will add to their bottom line. A good example of a profitable risk profile could be over the age of 40, owns a home, and drives a safe vehicle. Someone that matches those criteria receive the lowest rate quotes and most likely will save a lot if they switch.

Potential insureds who are not a match for those criteria will probably be forced to pay higher premium rates which translates to the customer not purchasing. The wording the ads use say “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully make those statements.

This really illustrates why you should compare many company’s premium rates. You cannot predict which insurance companies will fit you best based on your risk profile.

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A little work can save a LOT of money

Cheaper auto insurance is possible on the web and from local agencies, so you need to with both so you have a total pricing picture. Some insurance companies do not offer the ability to get quotes online and these smaller companies only sell coverage through independent agents.

Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, questionable increases in premium, policy non-renewal or even unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is less work than it seems.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an insured cut comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.