1998 Mercedes-Benz M-Class Car Insurance Quotes – 6 Tricks for Cheaper Rates

Are you frustrated by the wide range of insurance coverage companies? Many other people are as well. There are so many companies to choose from that it can easily turn into a difficult challenge to find the lowest price.

It’s smart to get comparison quotes on a regular basis since prices go up and down regularly. Just because you found the best price on M-Class coverage a few years ago you can probably find a lower rate today. There is too much inaccurate information about insurance coverage out there, but we’re going to give you some proven techniques to save money.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. But car owners do need to learn how companies price online insurance and use this information to your advantage.

Ways to get auto insurance quotes

The majority of larger companies like Progressive, Allstate and Geico allow consumers to get coverage prices directly from their websites. Getting quotes is very simple as you simply enter your coverage information into the form. After you complete the form, their rating system sends out for your credit score and driving record and generates pricing information based on these factors.

Online quotes makes comparing rates easy, but having to visit a lot of sites and fill out multiple forms gets old quite quickly. But it’s necessary to compare as many rates as possible if you want to get a lower rate.

The quickest way to find lower prices makes use of a single form that obtains quotes from a lot of companies. The form is fast, requires less work, and makes rate comparisons much more efficient. As soon as the form is sent, your coverage is rated and you can select any or none of the quote results. If the quotes result in lower rates, you can click and sign and buy the policy. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in deductibles and limits just like they are on your policy. Doing this guarantees you’re receiving a price comparison for exact coverage.

Find discounts to get cheap insurance coverage quotes

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Most are applied at the time of quoting, but a few need to be specially asked for in order for you to get them.

• Telematics Data Discounts – Drivers that enable their company to scrutinize driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they show good driving skills.
• Discounts for Responsible Drivers – Insureds who avoid accidents could pay up to 40% less on M-Class coverage compared to rates paid by drivers with frequent claims.
• Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
• Save with a New Car – Adding a new car to your policy may earn a small discount due to better safety requirements for new vehicles.
• Sign Online – Certain insurance companies will give you a small discount simply for signing digitally online.
• Professional Memberships – Joining qualifying clubs or civic groups could trigger savings on your policy.

Don’t be shocked that most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will definitely reduce your overall premium however.

Some of the insurance companies that may offer these discounts include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

Before you buy a policy, ask every insurance company how many discounts you can get. Some discounts may not be available in your area. To view providers with discount rates, click this link.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions could help you determine if you may require specific advice.

• Am I covered if I break a side mirror?
• Do I really need UM/UIM coverage?
• When should I buy a commercial auto policy?
• I have a DUI can I still get coverage?
• Can my babysitter drive my car?
• How much liability insurance is required?
• Am I getting all the discounts available?
• Does my car insurance cover rental cars?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Learn about insurance coverages for a 1998 Mercedes-Benz M-Class

Having a good grasp of your insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield, damage from flooding, theft and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills such as pain medications, nursing services, ambulance fees, doctor visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

This coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like attorney fees, court costs and legal defense fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Auto collision coverage

This will pay to fix damage to your M-Class from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz M-Class.

Because many people 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 important protection for you and your family.