1999 Mercedes-Benz M-Class Car Insurance Rates – 7 Policy Discounts

Looking for the cheapest auto insurance rates for your Mercedes-Benz M-Class? Are you burned out from being strong-armed to pay your auto insurance bill each month? You are no different than millions of other drivers. Companies like Progressive, Geico and Farmers Insurance constantly bombard you with catchy ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.

First Step: Get free auto insurance quotes

Getting a cheaper price on 1999 Mercedes-Benz M-Class insurance is surprisingly easy. The only requirement is to take a few minutes to compare rate quotes from online providers. This can be done in several different ways.

• If you don’t have a lot of time, the easiest way to get quotes would be an industry-wide quote request form (click to open form in new window). This style of form keeps you from doing multiple quote forms for every company. Just one form gets coverage cost estimates instantly.
• A more time consuming way to find better pricing requires you to visit each individual company website to request a price quote. For example, let’s assume you want comparison quotes from Farmers, Geico and Allstate. In order to compare rates, you need to take the time to go to each site and enter your policy data, which explains why we recommend starting with the first method.

  For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to keep the same coverages on every quote you get. If the quotes have unequal deductibles or liability limits it’s not possible to make an equal comparison.

What is the best insurance coverage coverage?

When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if your situation would benefit from an agent’s advice.

• What are the best liability limits?
• When should I remove comp and collision on my 1999 Mercedes-Benz M-Class?
• Am I covered if my car is in a flood?
• Do I need added coverage for expensive stereo equipment?
• Am I covered if I wreck a rental car?
• I have health insurance so do I need medical payments coverage?
• When do I need to add a new car to my policy?
• Should I sign the liability waiver when renting a car?
• Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your insurance policy

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hail damage, falling objects and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability – This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, repair costs for stationary objects and structural damage. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, ambulance fees and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision – Collision insurance will pay to fix damage to your M-Class from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.