2015 Mercedes-Benz M-Class Insurance Quotes – 8 Discounts for Cheaper Rates

Buyers have lots of choices when searching for affordable Mercedes-Benz M-Class insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to make rate comparisons.

There are more efficient ways to find auto insurance online so we’re going to tell you the quickest way to compare rates for a new or used Mercedes-Benz and locate the cheapest rates from both online companies and local agents.

It’s a good idea to price shop coverage yearly because auto insurance prices are variable and change quite frequently. If you had the best rates on M-Class insurance a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to buy cheaper auto insurance.

Low cost car insurance prices

Finding more affordable 2015 Mercedes-Benz M-Class car insurance quotes is an easy way to save money. Consumers just need to invest a little time comparing rates to see which company has the cheapest car insurance quotes. This can be accomplished using a couple different methods.

The simplest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for boring form submissions to each individual car insurance company. Completing one form will return quotes from many national carriers. Just one form and you’re done.

A more time consuming way to shop for car insurance online consists of visiting the website for every company you want to comare and go through the quote process again. For sake of this example, we’ll pretend you want to compare prices for Allstate, Geico and American Family. To find out each rate you need to spend time going to each site individually and repeatedly enter your information, and that explains why we recommend the first method. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use exactly the same quote information with every price quote. If your comparisons have mixed coverages it’s not possible to decipher which rate is best.

These eight discounts can lower your car insurance quotes

Companies don’t necessarily list every available discount in a way that’s easy to find, so we researched a few of the more well known and also the lesser-known discounts you could be receiving when you buy car insurance online.

• Data Collection Discounts – Insureds who allow data collection to scrutinize driving patterns by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars with the same car insurance company qualifies for this discount.
• Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Multi-line Discount – Some companies give a small discount if you purchase auto and life insurance together.
• Multiple Policy Discount – If you can combine your home and auto policy and insure them with the same company you could earn a discount of over 10 percent off each policy depending on the company.
• Cautious Driver Discount – Safe drivers may save up to 50% more on M-Class insurance compared to accident prone drivers.
• Switch and Save Discount – Some insurance companies give discounts for switching to them prior to the expiration date on your current policy. The savings is around 10%.
• Air Bags and Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

Popular car insurance companies and some of their more popular discounts can be found below.

• State Farm has savings for multiple policy, Drive Safe & Save, anti-theft, Steer Clear safe driver discount, good driver, and multiple autos.
• Progressive offers premium reductions for homeowner, multi-policy, online signing, continuous coverage, online quote discount, multi-vehicle, and good student.
• Travelers may have discounts that include driver training, save driver, multi-car, good student, hybrid/electric vehicle, IntelliDrive, and student away at school.
• American Family policyholders can earn discounts including good driver, Steer into Savings, defensive driver, multi-vehicle, mySafetyValet, and early bird.
• Liberty Mutual may include discounts for new graduate, safety features, teen driver discount, newly retired, and new move discount.

If you are trying to find low cost car insurance quotes, ask each company the best way to save money. Some discounts listed above might not apply in your state. For a list of companies that provide some of the discounts listed above, follow this link.

Different people need different insurance coverage coverages

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions might help in determining if your situation would benefit from an agent’s advice.

• Does insurance cover damages from a DUI accident?
• Are rental cars covered under my policy?
• What exactly is covered by my policy?
• Do I have coverage when using my vehicle for my home business?
• How can I find cheaper teen driver insurance?
• What vehicles should carry emergency assistance coverage?
• Can I rent a car in Mexico?
• Should I rate my 2015 Mercedes-Benz M-Class as pleasure use or commute?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage – Comprehensive insurance coverage covers 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 insurance covers claims like falling objects, hail damage, fire damage, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, chiropractic care, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz M-Class.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverages – This covers damage to your M-Class caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, backing into a parked car, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Liability auto insurance – Liability coverage can cover damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as medical expenses, repair costs for stationary objects, funeral expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Have the Midas touch

We’ve covered many ways to reduce 2015 Mercedes-Benz M-Class insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices come from a small local company.

Some insurance companies may not provide online price quotes and many times these regional carriers work with independent agencies. Cheaper insurance is available online and also from your neighborhood agents, so you need to compare both so you have a total pricing picture.

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Additional information can be found below:

• Credit Impacts Car Insurance Rates (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Insitute)