View 2011 Mercedes-Benz M-Class Insurance Rates

Drivers have a choice when trying to find low-cost Mercedes-Benz M-Class insurance. You can either waste hours driving around to get rate comparisons or use the internet to find the lowest rates. There is a better way to find insurance online and you need to know the absolute fastest way to compare rates for your Mercedes-Benz and find the cheapest rates from local insurance agents and online providers.

It’s important to do price comparisons yearly since prices trend upward over time. If you had the lowest rates on M-Class coverage two years ago you may be paying too much now. Ignore everything you know about insurance because we’re going to demonstrate the best methods to find great coverage at a great price.

Don’t miss these discounts

Companies don’t always advertise every policy discount very well, so the list below contains some of the best known and the harder-to-find discounts you could be receiving when you buy auto insurance online.

• More Vehicles More Savings – Drivers who insure multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
• Discount for Life Insurance – Insurance carriers who offer life insurance give better rates if you take out life insurance from them.
• Early Switch Discount – A few larger companies give discounts for buying a new policy before your current policy expires. The savings is around 10%.
• Multi-policy Discount – If you have multiple policies and insure them with the same company you could get a discount of as much as 10 to 15 percent.
• Military Rewards – Being deployed with a military unit could qualify you for better premium rates.
• Driving Data Discount – Drivers that enable their company to spy on where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• Senior Discount – Drivers over the age of 55 are able to get a small discount on rates on M-Class coverage.
• Low Mileage – Keeping the miles down on your Mercedes-Benz could earn lower prices on the low mileage vehicles.
• Own a Home – Owning a house can earn you a little savings since home ownership means you have a higher level of financial diligence.
• Cautious Driver Discount – Accident-free drivers can save as much as half off their rates on M-Class coverage compared to rates paid by drivers with frequent claims.

As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic.

To see insurance companies with the best auto insurance discounts, click here to view.

Finding insurance coverage

Getting a more affordable price on 2011 Mercedes-Benz M-Class insurance doesn’t have to be difficult. The only thing you need to do is spend a few minutes on the computer comparing rates to discover which company has low cost auto insurance quotes. Price comparisons can be done using a couple different methods.

1. Experts agree that the best way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do a different quote for every prospective company. One form submission will return price quotes from multiple low-cost companies. It’s definitely the quickest method.
2. A slightly less efficient method to get quotes online consists of visiting the website for each individual company and fill out a new quote form. For examples sake, let’s say you want to compare Nationwide, Progressive and Allstate. To find out each rate you need to spend time going to each site individually and punch in your information repeatedly, which can get old fast.

   For a list of links to companies insuring cars in your area, click here.

3. The hardest way to compare rates is to spend your day driving to insurance agencies in your area. The ability to buy insurance online eliminates the middleman unless you require the professional guidance that only a licensed agent can provide. However, consumers can comparison shop your insurance online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, make sure you use the exact same coverage information for each price quote. If you use mixed coverages it will be nearly impossible to truly determine the lowest rate.

How insurance providers determine Mercedes-Benz M-Class insurance costs

Multiple criteria are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are more obscure like your continuous coverage or your vehicle rating.The best way to find cheaper auto insurance is to take a look at some of the factors that play a part in calculating the level of your policy premiums. When you understand what controls the rates you pay, this enables you to make decisions that could result in cheaper rates.

• Urban areas may pay more – Having an address in less populated areas of the country is a positive aspect when buying auto insurance. Drivers who live in large cities have much more traffic and a longer drive to work. Fewer drivers and short commutes translates into fewer accident claims in addition to fewer liability claims.
• Accidents can increase costs – Having a single speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers with multiple tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive.
• Car and home together may be cheaper – Most insurance companies will give a discount to customers that purchase more than one policy such as combining an auto and homeowners policy. This can amount to ten or even fifteen percent. Even if you already get this discount, it’s always a smart idea to compare rates to help guarantee you have the best rates.
• Battle of the sexes – The statistics show that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Females and males cause auto accidents in similar numbers, but the males get into accidents with more damage. Men also tend to get ticketed for serious violations like DUI and reckless driving.
• Get married and get better prices – Getting married actually saves money on your auto insurance policy. It demonstrates that you tend to be more mature and it’s statistically proven that married drivers tend to file fewer claims.
• High credit saves on auto insurance – Having a bad credit history is likely to be a major factor in calculating your premium rate. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit ratings. If your credit is lower than you’d like, you may save money insuring your 2011 Mercedes-Benz M-Class by spending a little time repairing your credit.
• Drive lots and pay more – The more you drive each year the higher the price you pay to insure it. Most insurance companies charge rates determined by how the vehicle is used. Vehicles that sit idle most of the time cost less to insure than vehicles that have high annual mileage. Make sure your declarations sheet states the correct usage for each vehicle. Improper usage on your M-Class is just wasting money.
• Use but don’t abuse your insurance – Companies generally give the best rates to people who are claim-free. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is meant to be used in the event of larger claims.

Special considerations

When buying coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions could help you determine if your insurance needs could use an agent’s help.

• Can I get a multi-policy discount?
• Why do I only qualify for high-risk insurance?
• Am I covered when driving someone else’s vehicle?
• If my pet gets injured in an accident are they covered?
• Am I covered if I crash into my own garage door?
• Can I make deliveries for my home business?
• Can I afford to buy a different vehicle if my 2011 Mercedes-Benz M-Class is totaled?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Save $430 a year! What?

Consumers can’t get away from all the ads that claim the cheapest prices by Allstate and Progressive. All the companies advertise claims that drivers can save some big amount after switching your coverage.

How is it possible that every company can lower your prices? You have to listen carefully.

All companies give the best rates for the type of customer that will be a good risk. One example of a driver they prefer may need to be a female over age 40, has no driving citations, and drives a car with an anti-theft system. Any person who meets those qualifications will get very good rates and will probably save if they switch.

Consumers who don’t qualify for this stringent profile will be charged higher prices with the end result being the customer not purchasing. The ads say “customers who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can truthfully make claims like that. This really emphasizes why you should compare free auto insurance quotes often. It’s just not possible to know with any certainty which company will fit you best based on your risk profile.

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, EMT expenses, doctor visits, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2011 Mercedes-Benz M-Class.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, falling objects, damage from getting keyed and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as attorney fees, court costs and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your M-Class from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Don’t throw your cash in the trash

Budget-conscious 2011 Mercedes-Benz M-Class insurance can be bought on the web as well as from insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some companies may not have online price quotes and these smaller companies only sell through independent insurance agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are a lot of situations where someone dropped liability limits or collision coverage only to regret that it was a big error on their part. The ultimate goal is to buy enough coverage at an affordable rate while still protecting your assets.

Consumers who switch companies do it for many reasons like lack of trust in their agent, questionable increases in premium, denial of a claim and not issuing a premium refund. Regardless of your reason, finding a new company can be less work than you think.

For more information, feel free to visit the resources below:

• Frontal Crash Tests (iihs.org)
• Determing Auto Insurance Rates (Geico)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)