Cheaper 2010 Mercedes-Benz M-Class Insurance Quotes

If you are new to online price comparisons, there’s a good chance you are baffled by the vast assortment of insurance coverage companies vying for business.

Consumers need to compare rates occasionally due to the fact that insurance prices are rarely the same from one policy term to another. Even if you got the best price for M-Class coverage on your last policy there is a good chance you can find better rate quotes now. You can find a lot of misleading information regarding insurance coverage online, but I’m going to show you some tested techniques to lower your insurance coverage rates.

If you currently have car insurance, you should be able to cut costs considerably using this information. The purpose of this article is to teach you the best way to quote coverages. But consumers need to have an understanding of the methods companies use to market insurance on the web and use this information to your advantage.

How to find the cheapest car insurance

There are several ways you can shop for car insurance but some are easier and takes less work. You could waste time driving to local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many of the larger companies belong to a marketplace where prospective buyers complete one form, and every company provides a quote based on that information. This eliminates the need for quote requests for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

The one disadvantage to pricing coverage this way is you are unable to specify which companies you want pricing from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of companies who write car insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you compare equivalent coverages and limits for each quote you get. If you compare different limits and deductibles on each one it’s impossible to determine the lowest rate for your Mercedes-Benz M-Class. Even a minor difference in coverage limits may cause a big price difference. It’s important to know that making a lot of price comparisons helps increase your odds of locating a lower rate than you’re paying now.

Drivers save money with these discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be requested specifically prior to receiving the credit.

  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn discounted insurance coveragerates on garaged vehicles.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more if your company offers it.
  • Safe Drivers – Accident-free drivers can save up to 40% or more on their car insurance quote for M-Class coverage than drivers with accident claims.
  • Multi-car Discount – Having more than one vehicle with one company can reduce rates for all insured vehicles.
  • Waiver for an Accident – This one is not really a discount per se, but some insurance companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

A list of insurance coverage companies and their offered discounts are included below.

  • Progressive may have discounts that include continuous coverage, good student, multi-policy, homeowner, online quote discount, and multi-vehicle.
  • MetLife has discounts for defensive driver, good driver, claim-free, accident-free, and multi-policy.
  • Mercury Insurance discounts include anti-theft, accident-free, multi-car, good driver, and low natural disaster claims.
  • Nationwide policyholders can earn discounts including easy pay, anti-theft, family plan, multi-policy, and good student.
  • GEICO offers discounts including multi-vehicle, good student, multi-policy, anti-lock brakes, membership and employees, air bags, and five-year accident-free.
  • AAA offers premium reductions for AAA membership discount, good student, education and occupation, pay-in-full, multi-car, and good driver.

If you need lower rates, check with each company the best way to save money. Some credits may not apply to policies in your area. To see companies that offer discounts, click this link.

Special considerations

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • How much liability insurance is required?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When does my teenage driver need to be added to my policy?
  • Does having multiple vehicles earn me a discount?
  • Exactly who is provided coverage by my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Why informed consumers pay less for Mercedes-Benz M-Class insurance

Lots of factors are part of the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but other criteria are more obscure like your continuous coverage and annual miles driven.The best way to find cheaper insurance is to take a look at a few of the rating criteria that aid in calculating your insurance rates. When you know what positively or negatively determines premiums, this enables informed choices that can help you get much lower annual insurance costs.

The list below includes some of the items that factor into your rate level.

  • Low coverage deductibles can be expensive – The deductibles you choose are the amount of money you are willing to pay out-of-pocket if the claim is covered. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some coverage claims could be rearending another vehicle, vandalism, or theft of your vehicle. The more expense you have to pay, the less money you will pay for insurance for M-Class coverage.
  • High premiums for teen drivers – Inexperience drivers are statistically shown to be less responsible behind the wheel so they pay higher insurance rates. More experienced drivers are shown to be more cautious, tend to file fewer claims and receive fewer citations.
  • Low credit history equals high costs – Having a good credit rating is likely to be a major factor in determining what you pay for insurance. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit. Therefore, if your credit history is not that good, you could pay less to insure your 2010 Mercedes-Benz M-Class if you clean up your credit.
  • Do you need those extra coverages? – Insurance policies have a lot of add-on coverages that can waste your money if you aren’t diligent. Coverage for things like roadside assistance, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but your needs may have changed so get rid of them and save.
  • Use but don’t abuse your insurance – Insurance companies generally give cheaper rates to policyholders who only file infrequent claims. If you’re an insured who likes to file claims you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Liability limits on your policy – A critical coverage on your policy, liability insurance will afford coverage when you are found to be at fault for personal injury or accident damage. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not cut corners here.
  • Pleasure use saves money – The more miles you rack up on your Mercedes-Benz in a year’s time the more it will cost to insure it. Almost all companies calculate prices based upon how you use the vehicle. Vehicles left parked in the garage receive better premium rates than vehicles that have high annual mileage. Having the wrong rating on your M-Class can result in significantly higher rates. It’s a smart idea to ensure your declarations sheet is showing the correct usage, because improper ratings can cost you money.
  • Maintain insurance coverage – Having a gap between insurance policy dates is a guaranteed way to increase your renewal premiums. Not only will rates go up, being ticketed for driving with no insurance could earn you fines and jail time.

Car insurance coverage options for a Mercedes-Benz M-Class

Understanding the coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, doctor visits, pain medications, dental work and chiropractic care. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others, 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. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like legal defense fees, structural damage, loss of income, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision protection

This pays for damage to your M-Class resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, a broken windshield and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Mercedes-Benz M-Class.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Saving money is sweet as honey

Some insurance coverage companies may not offer internet price quotes and most of the time these regional insurance providers sell through independent agents. Low-cost 2010 Mercedes-Benz M-Class insurance is possible online and from local agencies, so you should compare both to get a complete price analysis.

As you quote car insurance, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best cost, but do not skimp to save money.

Drivers switch companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, high prices and even delays in responding to claim requests. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

More detailed insurance coverage information is available in the articles below: