Cheap 2015 Mercedes-Benz M-Class Car Insurance Rates

Trying to find cheaper car insurance rates for your Mercedes-Benz M-Class? No one in their right mind likes paying for car insurance, in particular when the cost is too high.

Many insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the best rates possible.

You need to check car insurance prices on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the best price on M-Class insurance a few years ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance online but by reading this article, you’re going to learn some tested techniques to stop overpaying for insurance.

Save on Mercedes-Benz M-Class insurance

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be asked about before being credited.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates on M-Class insurance.
  • Student in College – Kids in college who live away from home and do not have a car may be able to be covered for less.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

A partial list of companies who might offer some of the above discounts are:

Double check with each insurance company how you can save money. Discounts might not apply everywhere.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

  • Is a fancy paint job covered?
  • Do I need motorclub coverage?
  • Do I need more liability coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I better off with higher deductibles on my 2015 Mercedes-Benz M-Class?
  • What if I owe more than I can insure my car for?
  • Will filing a claim cost me more?
  • Am I covered when using my vehicle for business?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance policy specifics

Understanding the coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.

Liability coverages

This coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, legal defense fees, repair bills for other people’s vehicles, medical expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz M-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as chiropractic care, funeral costs, pain medications, surgery and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your M-Class resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

At the end of the day…

Cheap 2015 Mercedes-Benz M-Class insurance is possible online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and these small insurance companies work with independent agents.

Throughout this article, we presented a lot of ways to compare insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the most savings is with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

Much more information about insurance coverage can be read at these links: