How Much Does 2018 Mercedes-Benz Metris Insurance Cost?

There isn’t a single person who likes paying for insurance, particularly when the cost is way too high. There is such a variety of insurance companies to pick from, and though it is a good thing to be able to choose, it can be more difficult to locate the cheapest rates.

Cheap insurance rate quotes

Many insurance companies allow you to get prices for coverage directly from their websites. Comparing prices online can be done by anyone as you just type in your coverage information as detailed in the form. After the form is submitted, the company’s rating system obtains your driving and credit reports and provides a quote. This makes comparing rates easy, but the work required to visit many different websites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to do this if you want to find lower prices.

A better way to find better insurance pricing requires only one form that gets prices from many companies. It saves time, eliminates form submissions, and makes comparison shopping much easier. As soon as the form is sent, it gets priced with multiple companies and you can pick any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process just takes a couple of minutes and could lower your rates considerably.

If you want to use this form to compare rates, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you input your coverages as shown on your current policy. Doing this guarantees you will be getting an apples-to-apples comparison using the same coverage and limits.

Lower rates by qualifying for discounts

Insurance coverage is not an enjoyable expense, but there could be available discounts that can drop the cost substantially. Many discounts should be triggered when you complete an application, but a few must be specifically requested before being credited.

  • Telematics Data Discounts – Drivers who elect to allow driving data collection to study driving habits by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as they are good drivers.
  • Active Military Service – Having an actively deployed family member could be rewarded with lower rates.
  • Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
  • Discount for Home Ownership – Just being a homeowner can earn you a little savings since home ownership requires a higher level of personal finance.
  • Include Life Insurance and Save – If the company offers life insurance, you could get lower insurance coveragerates if you buy auto and life insurance together.
  • New Vehicle Savings – Putting coverage on a new car can save you some money since newer models have better safety ratings.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think it’s possible to get free car insurance, companies don’t profit that way.

Car insurance companies that may offer quotes with most of these discounts may include but are not limited to:

When comparing rates, check with every insurance company which credits you are entitled to. Some credits might not be offered on policies in your area. If you would like to view insurers who offer cheap insurance coverage quotes, follow this link.

Car insurance is unique, just like you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might help in determining whether you could use an agent’s help.

  • Is other people’s property covered if stolen from my vehicle?
  • Should I waive the damage coverage when renting a car?
  • Is my state a no-fault state?
  • Do I have newly-aquired coverage?
  • Is a fancy paint job covered?
  • Are rock chip repairs covered?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage options for a 2018 Mercedes-Benz Metris

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average auto insurance policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercedes-Benz Metris.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like court costs, legal defense fees, medical expenses, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Collision – Collision coverage covers damage to your Metris resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, crashing into a building, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills such as rehabilitation expenses, pain medications and dental work. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive (Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hail damage, hitting a deer and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.