View 2005 Mercedes-Benz M-Class Insurance Quotes

Searching for cheaper car insurance rates for your Mercedes-Benz M-Class? There isn’t anyone who likes having to buy car insurance, especially when their premiums are too high.

Multiple car insurance companies compete for your business, so it’s not easy to compare every insurer and uncover the absolute lowest price

Take policy discounts and save

Some companies do not list every discount they offer very clearly, so the list below details a few of the more common and also the lesser-known discounts that you can inquire about if you buy car insurance online.

• Discount for Low Mileage – Driving fewer miles may enable drivers to earn better premium rates on cars that stay parked.
• Active Service Discounts – Having a deployed family member may lower your prices slightly.
• More Vehicles More Savings – Insuring multiple cars or trucks with the same car insurance company can reduce rates for all insured vehicles.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and qualify for as much as a 10% discount.
• Policy Bundle Discount – If you insure your home and vehicles with the same company they may give you a discount of over 10 percent off each policy depending on the company.
• Passive Restraints – Factory air bags or automatic seat belts can receive discounts of 20% or more.
• One Accident Forgiven – but companies like Geico, Progressive, and Allstate allow you one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
• Claim-Free Discount – Good drivers with no accidents have much lower rates as compared to policyholders that have many claims.
• Telematics Discount – Policyholders that allow driving data collection to scrutinize when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as the data is positive.

Policy discounts save money, but most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, nobody gets a free ride. But all discounts should help reduce the cost of your policy.

To see a list of car insurance companies who offer free car insurance quotes, click here.

Compare free car insurance quotes

When comparison shopping, there are several ways to get quotes from local car insurance companies. By far the easiest way to lower the rate you pay for 2005 Mercedes-Benz M-Class insurance is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

1. The most recommended method to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing multiple quote forms for every car insurance company. In just a few minutes this one form gets you price quotes from several companies.
2. A harder way to analyze rates requires you to visit each company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want rates from Geico, Progressive and Liberty Mutual. You would have to go to each individual site to input your insurance information, which explains why we recommend starting with the first method.

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

3. Even if you have time, the least recommended method to compare rates is driving around to different agent offices. Comparing rate quotes online has made agencies unnecessary unless you require the guidance that you can only get from talking to an agent. Drivers can comparison shop online but have your policy serviced through an agent.

Which method you use is up to you, but do your best to use apples-to-apples deductibles and coverage limits for each price quote. If you enter unequal deductibles or liability limits you will not be able to make a fair comparison for your Mercedes-Benz M-Class. Having just a slight variation in insurance coverages could throw off the whole comparison. Keep in mind that comparing more quotes gives you a better chance of getting a lower rate. Not every company does rate quotes online, so it’s necessary to compare price quotes from them as well.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions could help you determine whether you could use an agent’s help.

• Does my policy cover my teen driver if they drive my company car?
• Is upholstery damage covered by car insurance?
• How can I get high-risk coverage after a DUI?
• Will I lose any money if I cancel my policy before it expires?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverages explained

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Coverage for collisions

This covers damage to your M-Class resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, pain medications and surgery. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Mercedes-Benz M-Class.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability auto insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as structural damage, funeral expenses, bail bonds and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, a broken windshield and vandalism. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Make a quick buck

When you buy car insurance online, it’s very important that you do not reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate.

We just showed you a lot of ways to shop for 2005 Mercedes-Benz M-Class insurance online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a smaller regional carrier. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

For more information, feel free to browse these articles:

• Tools for Teen Driving Safety (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Insurance Losses by Make and Model (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)