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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 7, 2015

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Want lower car insurance rates for your Mercedes-Benz M-Class? Did budget coverage turn out to be an overpriced car insurance policy? You’re preaching to the choir because many consumers feel financially strained by their car insurance policy. Since you have so many choices, it can be hard to pick the lowest cost insurer.

You should take the time to get comparison quotes yearly because car insurance rates are adjusted regularly by insurance companies. Even if you got the best rate for M-Class insurance at your last renewal there may be better deals available now. There is too much inaccurate information about car insurance on the web, but you can learn some of the best ways to lower your car insurance rates.

Shopping for affordable auto insurance is quite easy. If you have a policy now or need new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of how to buy auto insurance online.

How to get free car insurance quotes online

Performing a rate comparison can be exhausting if you aren’t aware of the easiest way. You can waste a lot of time driving to insurance companies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies participate in a marketplace that allows shoppers to submit one quote, and each company then gives them pricing determined by their information. This eliminates the need for quote forms to each individual car insurance company. To find out how much you can save on car insurance click to open in new window.

The only drawback to using this type of system is you can’t choose the providers to receive prices from. If you wish to select from a list of companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, try to use exactly the same deductibles and coverage limits on every quote you get. If you are comparing higher or lower deductibles it will be impossible to make an equal comparison.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Big names are not always cheapest

Consumers get pounded daily by advertisements for auto insurance savings by companies like 21st Century, Allstate and State Farm. They all try to convey promises about how much you will save if you switch your coverage.

It sounds good, but how can they all save you money? Just pay attention to how they say it.

All the different companies quote their best rates for the type of insured that will most likely be profitable. An example of this type of risk profile may need to be over the age of 50, has no tickets, and chooses high deductibles. A customer getting a price quote who matches that profile will get low premium rates and most likely will save if they switch.

Potential insureds who fall short of the ideal profile will be quoted higher premium rates and ends up with business going elsewhere. The trick is to say “people that switch” not “all people who quote” save money. That’s why companies can advertise the savings.

Because of this risk profiling, it is so important to compare price quotes frequently. Because you never know which insurance companies will provide the lowest car insurance rates.

How insurance companies calculate Mercedes-Benz M-Class insurance premiums

When buying insurance coverage it’s important to understand a few of the rating criteria that are used to determine your premiums. If you understand what controls the rates you pay, this allows you to make good choices that can help you get lower rates. Many factors are considered when you quote your car insurance policy. Some are pretty understandable such as your driving record, but some are not as apparent such as your marital status or your commute time.

  • Safety first – Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and reduced instances of injuries means your insurance company pays less passed on to you as lower rates.
  • Deter car thieves – Choosing to buy a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all hinder car theft.
  • Do you have enough liability insurance? – A critical coverage on your policy, liability insurance is the coverage that protects you when you are ruled to be at fault for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to other policy coverages, so do not cut corners here.
  • High premiums for youthful drivers – Beginning drivers have a tendency to be less responsible with other occupants in the car so insurance coverage rates are higher. Parents adding a beginning driver onto a policy can cause a big jump in price. More experienced drivers are viewed as being more responsible, cost insurance companies less in claims and get fewer tickets.

Discount car insurance quotes

Companies offering auto insurance don’t always list every disount available very clearly, so we break down some of the more common and the more hidden discounts that may be available.

  • Government Employees – Employees or retirees of the government could qualify for a slight premium decrease for M-Class insurance but check with your company.
  • Data Collection Discounts – Insureds that choose to allow data collection to monitor driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they have good driving habits.
  • Sign Online – Many car insurance companies give back up to $50 simply for signing on their website.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Military Rewards – Having an actively deployed family member may lower your rates slightly.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, that’s just not realistic.

Popular car insurance companies and their offered discounts are included below.

  • State Farm has savings for good student, multiple autos, Drive Safe & Save, good driver, safe vehicle, driver’s education, and Steer Clear safe driver discount.
  • Nationwide discounts include family plan, anti-theft, good student, business or organization, and Farm Bureau membership.
  • GEICO has discounts for federal employee, anti-theft, good student, membership and employees, seat belt use, emergency military deployment, and anti-lock brakes.
  • AAA may offer discounts for AAA membership discount, good student, pay-in-full, good driver, and multi-car.
  • 21st Century may include discounts for good student, student driver, teen driver, early bird, and driver training.
  • The Hartford offers premium reductions for vehicle fuel type, good student, anti-theft, air bag, and bundle.

When getting a coverage quote, ask every company how many discounts you can get. A few discounts might not be offered on policies in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • Should I waive the damage coverage when renting a car?
  • What are the financial responsibility laws in my state?
  • When should I not file a claim?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I bundle my homeowners policy with my auto?
  • What can I do if my company denied a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Learn about insurance coverages for a Mercedes-Benz M-Class

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Liability – This will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, bail bonds, medical services, funeral expenses and court costs. How much coverage you buy is your choice, but buy higher limits if possible.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses such as ambulance fees, hospital visits, nursing services, X-ray expenses and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz M-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverages – This covers damage to your M-Class resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Affordable insurance is out there

Low-cost 1998 Mercedes-Benz M-Class insurance is definitely available on the web in addition to many insurance agents, so you need to shop insurance with both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and these smaller providers sell through independent insurance agencies.

When buying insurance coverage, never reduce needed coverages to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

More information can be read on the following sites: