Vehicles > Mercedes-Benz > 400-Class

Mercedes-Benz 400-Class Insurance Rates

Finding cheaper car insurance from online rate quotes saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to compare rates from all providers so you can compare the best prices.

Finding the best direct price on car insurance can be complicated if you are a beginner to online rate quotes. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. One of the best ways to find the lowest 400-Class insurance cost is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a Mercedes-Benz 400-Class will vary greatly and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Your credit history
  • Men typically pay more than women
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • What you do for a living
  • The level of coverage
  • Owning a home can lower rates

A final factor which can affect 400-Class insurance rates is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so the costs to repair may end up costing you less. Conversely, more recent Mercedes-Benz vehicles may have a trim level with safety features such as a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system so those may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability insurance - This will cover injuries or damage you cause to a person or their property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as much as you can afford.

Collision coverages - This will pay to fix damage to your Mercedes-Benz from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your Mercedes-Benz 400-Class comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of 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 should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Mercedes-Benz 400-Class Insurance Rates?