Compare 2015 Mercedes-Benz M-Class Insurance Quotes

Looking for lower auto insurance rates? Shoppers have a choice when shopping for the best price on Mercedes-Benz M-Class insurance. You can either waste hours calling around getting price quotes or use the internet to find the lowest rates. There are both good and bad ways to shop for auto insurance and we’ll show you the proper way to compare rates for your Mercedes-Benz and find the cheapest rates either online or from local insurance agents.

Smart consumers take time to shop coverage around before your policy renews since prices change regularly. Just because you found the lowest rates on M-Class coverage a few years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn one of the quickest ways to find great coverage at a great price.

Informed consumers can reduce their insurance rates

A large part of saving on auto insurance is knowing a few of the rating criteria that are used to determine the rates you pay for auto insurance. When consumers understand what impacts premium levels, this allows you to make good choices that can earn you better auto insurance rates.

  • Single drivers may pay higher premiums – Being married may save some money when buying auto insurance. Having a spouse means you’re more stable financially and insurance companies like that married drivers get in fewer accidents.
  • Credit rating impact auto insurance premiums – Having a bad credit rating can be a huge factor in calculating your auto insurance rates. So if your credit score is lower than you’d like, you could be paying less to insure your 2015 Mercedes-Benz M-Class if you improve your credit rating. Insureds with high credit scores tend to be better risks to insure as compared to drivers with lower credit ratings.
  • Gender and insurance coverage – Statistics demonstrate that women are safer drivers than men. The data does not necessarily mean that women are BETTER drivers than men. Both genders get in at-fault accidents at about the same rate, but guys tend to have more serious accidents. Men also tend to receive more major tickets like reckless driving and DUI.
  • Pleasure use saves money – The more miles you rack up on your Mercedes-Benz annually the more you will pay for auto insurance. The majority of insurers charge rates based on how the vehicle is used. Cars not used for work or commuting receive lower rates than vehicles that have high annual mileage. Having an incorrect usage rating on your M-Class is just wasting money. Verify your vehicle rating states annual mileage.
  • Higher comp and collision deductibles are cheaper – Protection for physical damage, also called ‘full coverage’, protects your Mercedes-Benz from damage. Some instances where coverage would apply could be running into the backend of another car, hitting a deer, and having your car stolen. The deductibles represent how much money you are required to pay in the event of a claim. The more expense you’re willing to pay, the lower your rates will be on M-Class coverage.
  • Safer the car lower the rate – Vehicles with good safety scores get lower rates. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and lower rates for you. If the Mercedes-Benz M-Class is rated at least four stars on Safercar.gov you may pay a lower rate.

You may qualify for discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that may help make it more affordable. Certain credits will be shown when you purchase, but occassionally some discounts must be manually applied before they will apply.

  • Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on M-Class coverage with a few auto insurance companies.
  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Data Collection Discounts – Insureds that choose to allow data collection to monitor where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as they are good drivers.
  • Distant Student – Youth drivers who live away from home at college and won’t have access to an insured vehicle could qualify for this discount.
  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.
  • Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you may have a lower total premium amount.
  • Life Insurance – If the company offers life insurance, you could get a discounted auto insurance rate on car insurance if you buy life insurance from them.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if offered at their school.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, nobody gets a free ride.

To see auto insurance companies who offer free auto insurance quotes, follow this link.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads that claim the best rates from the likes of State Farm, Allstate and GEICO. They all have a common claim that drivers will save a bundle if you get a free auto insurance quote and switch your policy.

It sounds good, but how can they all cost less than your current company?

Different companies have an ideal profile for the right customer that will add to their bottom line. For instance, a driver they prefer may be a married female, has no driving citations, and has great credit. A propective insured that matches those criteria receives the best car insurance rates and will save quite a bit of money when switching.

Drivers who fall short of these standards may be forced to pay higher premiums which results in the customer buying from a different company. If you listen closely, the ads state “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. This is how companies can claim big savings. Because of these techniques, you need to get a wide range of price quotes. Because without a comparison, you cannot know which company will fit your personal profile best.

There’s no such thing as the perfect auto insurance policy

When it comes to buying coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my custom paint covered by insurance?
  • Am I covered if I break a side mirror?
  • Do I have newly-aquired coverage?
  • Do I really need UM/UIM coverage?
  • Does coverage extend to my business vehicle?
  • Is my teenager covered with friends in the car?
  • When should I buy a commercial auto policy?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Auto insurance coverage breakdown

Having a good grasp of auto 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 impossible to understand and nobody wants to actually read their policy.

Auto liability insurance – This protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair bills for other people’s vehicles, court costs, funeral expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for ambulance fees, prosthetic devices, EMT expenses, nursing services and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, theft, hitting a bird and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage – Collision coverage will pay to fix damage to your M-Class resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, colliding with another moving vehicle, driving through your garage door, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

More quotes mean more savings

In this article, we presented quite a bit of information on how to save on 2015 Mercedes-Benz M-Class insurance. It’s most important to understand that the more you quote auto insurance, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from a small local company.

Lower-priced 2015 Mercedes-Benz M-Class insurance can be sourced on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get quotes online and these regional carriers prefer to sell through independent agents.

When getting auto insurance quotes online, never skimp on coverage in order to save money. Too many times, an insured cut physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to find the BEST coverage at a price you can afford and still be able to protect your assets.

Additional detailed information is available by following these links: