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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Finding cheap rates on insurance might be very difficult for drivers not familiar with online comparison shopping. Drivers have so many different companies and agents to choose from that it can easily become a real challenge to locate the lowest rates.

Get cheap auto insurance quotes with discounts

Companies do not list the entire discount list in an easy-to-find place, so we took the time to find some of the best known and also the more inconspicuous credits that may apply to you.

  • Active Military Service – Being on active duty in the military could trigger a small discount.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more for ML55 AMG insurance as compared to drivers with claims.
  • More Vehicles More Savings – Having primary and secondary vehicles on one policy could earn a price break for each car.
  • E-sign Discounts – Many auto insurance companies will discount your bill up to fifty bucks for signing up on the web.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small discount on rates for ML55 AMG insurance.
  • Defensive Driving Course – Taking time to complete a course teaching safe driver skills could possibly earn you a 5% discount if your company offers it.
  • Discounts for Government Workers – Federal government employees may qualify for a discount when you quote insurance coverage for ML55 AMG insurance but check with your company.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Discount for New Cars – Buying a new car model is cheaper due to better safety requirements for newer vehicles.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Companies and a selection of discounts are detailed below.

  • Farm Bureau policyholders can earn discounts including youthful driver, safe driver, 55 and retired, driver training, renewal discount, good student, and multi-vehicle.
  • State Farm offers premium reductions for student away at school, driver’s education, defensive driving training, good driver, multiple autos, safe vehicle, and anti-theft.
  • Progressive may offer discounts for homeowner, multi-policy, multi-vehicle, good student, online signing, online quote discount, and continuous coverage.
  • Allstate offers discounts including economy car, premier plus, multi-policy, anti-theft, and EZ pay plan discount.
  • Nationwide offers discounts for multi-policy, family plan, defensive driving, good student, and accident-free.
  • MetLife includes discounts for defensive driver, multi-policy, claim-free, accident-free, and good student.

Before buying, ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders everywhere. If you would like to view insurance companies that offer some of these discounts, click this link.

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

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How to compare free auto insurance quotes

There are several ways you can shop for auto insurance but one way is less time-consuming than others. You can waste hours talking to insurance agencies in your area, or you can stay home and use online quoting to get pricing more quickly.

Many companies participate in an industry program where prospective buyers enter their policy data once, and each company returns a competitive quote. This saves time by eliminating quote forms to every company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to using this type of form is buyers cannot specifically choose the insurers you want to price. So if you want to choose specific insurance companies to compare prices, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but double check that you are using equivalent coverages for every company. If each company quotes unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Mercedes-Benz ML55 AMG. Slightly different limits could throw off the whole comparison. And when comparing auto insurance rates, know that comparing more rates from different companies gives you a better chance of getting lower pricing.

How insurance providers calculate Mercedes-Benz ML55 AMG insurance premiums

When buying insurance coverage it’s important to understand the rating factors that go into determining the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that will entitle you to lower rates. Lots of things are used in the calculation when premium rates are determined. Some factors are common sense such as traffic violations, although others are more obscure like your vehicle usage or your financial responsibility.

The factors shown below are some of the most common factors utilized by car insurance companies to help set your rate level.

  • Choose high safety ratings and save – Cars with five star safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and lower rates of occupant injuries means your insurance company pays less passed on to you as lower rates. If your Mercedes-Benz scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Employer stress can make you pay more – Occupations such as lawyersair traffic controllers and financial analysts usually pay higher premium rates attributed to intense work-related stress and long work hours. On the flip side, careers like actors, athletes and performers receive lower rates for ML55 AMG insurance.
  • Annual mileage impacts prices – The higher the mileage driven each year the more you will pay for insurance coverage. Most insurance companies charge rates based upon how you use the vehicle. Vehicles that sit idle most of the time cost less to insure than vehicles that are driven to work every day. Verify your insurance coverage coverage is rated on the right rating data, because improper ratings can cost you money. Improper usage on your ML55 AMG is throwing money out the window.
  • How many coverages with the same company – Lots of insurance companies afford lower prices to customers that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to help ensure you have the lowest rates. You may still save even more by insuring with multiple companies.
  • Rates are affected by your address – Residing in less populated areas of the country is a good thing when buying insurance coverage. City drivers regularly have more auto accidents and longer commutes to work. Less people living in that area means reduced accidents and a lower car theft rate.
  • Having a spouse is a good thing – Getting married may save some money on your insurance coverage policy. Having a spouse generally demonstrates drivers are more stable financially and insurance companies reward insureds because married couples file fewer claims.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

  • I have a DUI can I still get coverage?
  • Should I buy full coverage?
  • How can I get high-risk coverage after a DUI?
  • Are split liability limits better than a combined single limit?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form.

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

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Insurance ads bend the truth

Insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. All the companies make an identical promise about how much you will save if you get a free insurance coverage quote and switch to them. How is it plausible that every one can have lower policy pricing? It’s all in the words they use.

Insurance companies have strict underwriting profiles for the type of driver that will generate a profit. One example of a profitable customer may be between the ages of 30 and 50, has never had a policy lapse, and drives less than 5,000 miles a year. Any person who matches those parameters will qualify for the lowest car insurance rates and most likely will save when switching.

Potential insureds who don’t measure up to those criteria may be forced to pay higher premium rates and this results in the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” save money. That is how insurance companies can confidently make claims like that.

This emphasizes why it is so important to compare as many free insurance coverage quotes as you can. Because you cannot predict the company that will provide the lowest prices.

Auto insurance 101

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, pain medications, hospital visits, funeral costs and dental work. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, structural damage and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Mercedes-Benz ML55 AMG.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Collision insurance

This coverage pays for damage to your ML55 AMG resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, hitting a deer, hail damage and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Cheaper insurance is a realistic goal

We’ve covered a lot of tips how to get a better price on 2000 Mercedes-Benz ML55 AMG insurance. The key thing to remember is the more you quote insurance coverage, the higher your chance of finding affordable insurance coverage. You may even discover the best price on car insurance is with some of the smallest insurance companies.

Budget-conscious 2000 Mercedes-Benz ML55 AMG insurance is available online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not provide online rate quotes and these small, regional companies sell through independent insurance agencies.

People change insurance companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, denial of a claim or even high prices. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

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