Cheaper 2010 Mercedes-Benz M-Class Car Insurance Rates

Searching for cheaper insurance coverage rates for your Mercedes-Benz M-Class? No one in their right mind looks forward to paying for insurance coverage, particularly when their premiums are through the roof.

Online insurance companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with ads and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you are paying for car insurance now, you will be able to save some money using these methods. Buying car insurance is not rocket science. Nevertheless, consumers do need to understand the way insurance companies market on the web.

Discounts are great for lower rates

Companies don’t list every discount in an easy-to-find place, so we researched some of the more common and the harder-to-find savings tricks you should be using.

  • Claim Free – Drivers who don’t have accidents can save substantially compared to bad drivers.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
  • College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Safety Course Discount – Completing a driver safety course could cut 5% off your bill if you qualify.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
  • Senior Citizens – Mature drivers may be able to get a small decrease in premiums on M-Class coverage.

It’s important to note that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

Car insurance companies that may have these money-saving discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts might not be offered in your area.

You may need specialized coverage

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover whether your personal situation could use an agent’s help.

  • Can I make deliveries for my home business?
  • Is pleasure use cheaper than using my 2010 Mercedes-Benz M-Class to commute?
  • Is there coverage for injuries to my pets?
  • Is my custom paint covered by insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • How can I get my company to pay me more for my totalled car?
  • Do I need motorclub coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance ads bend the truth

Insurance providers like State Farm, GEICO and Progressive continually stream television and radio advertisements. They all make the same claim of big savings after switching to them. How does each company make the same claim?

Different companies are able to cherry pick for the right customer they prefer to insure. An example of a desirable insured could be over the age of 50, has no tickets, and drives less than 10,000 miles a year. A driver who fits that profile gets the lowest rates and as a result will probably save when switching.

Consumers who don’t qualify for these standards will have to pay higher rates and this can result in business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make those claims. Because of the profiling, drivers must quote coverage with many companies. You cannot predict which insurance company will provide you with the cheapest Mercedes-Benz M-Class insurance rates.

Auto insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding, theft, hail damage and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – This protects you from damage that occurs to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills for prosthetic devices, pain medications, EMT expenses and dental work. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2010 Mercedes-Benz M-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision – This pays for damage to your M-Class resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Don’t throw your cash in the trash

In this article, we presented some good ideas how you can compare 2010 Mercedes-Benz M-Class insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

Lower-priced insurance can be bought on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.

Additional detailed information can be read at these sites: