2013 Mercedes-Benz M-Class Car Insurance Quotes

Scraping up a payment for pricey Mercedes-Benz M-Class insurance can empty your personal savings and possibly require postponing other expenditures. Doing a rate analysis can lower your rates and help to tighten up your finances.

Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the definite lowest rate

It’s important to compare premium rates on a regular basis because insurance prices fluctuate regularly. Even if you got the lowest rates on M-Class coverage on your last policy there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the best methods to properly buy coverages while reducing your premium.

If you have car insurance now, you will be able to lower your premiums substantially using these tips. Finding the best rates is quite easy. But car owners can benefit by having an understanding of the way insurance companies compete online and use this information to your advantage.

How to shop insurance online

Most larger insurance companies like Geico, State Farm and Progressive allow you to get prices for coverage directly from their websites. Doing online price comparisons is quite easy because you just enter on the page. Behind the scenes, their quoting system makes automated requests for your driving and credit reports and returns a price quote based on these and other factors. Online price estimates simplifies rate comparisons, but the work required to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible in order to get the lowest possible prices on insurance.

Quote rates the easy way

The preferred way to get multiple rate quotes utilizes a single form that obtains quotes from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes online quotes much more efficient. As soon as the form is sent, your coverage is rated with multiple companies and you can pick your choice of the quotes returned.

If a lower price is quoted, you can click and sign and buy the new coverage. It just takes a couple of minutes and you’ll know if lower rates are available.

If you want to use this form to compare rates, click here to open in new window and submit the form. If you have coverage now, it’s recommended you input the limits and deductibles exactly as they are listed on your policy. This ensures you will be getting an apples-to-apples comparison based on similar coverages.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Is rental equipment covered for theft or damage?
  • Am I covered if hit by an uninsured driver?
  • Do I need special endorsements for business use of my vehicle?
  • Is my 2013 Mercedes-Benz M-Class covered for flood damage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Specific coverages for a 2013 Mercedes-Benz M-Class

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from auto insurance companies.

Liability coverages – This coverage protects you from damage that occurs to other people or property in an accident. It protects YOU against claims from other people. It does not 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 commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, funeral expenses, loss of income, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, a broken windshield and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Mercedes-Benz M-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Collision – This will pay to fix damage to your M-Class resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comments About 2013 Mercedes-Benz M-Class Insurance

  1. Alisha Parks

    Cheap is relative. Checking in from Columbus, OH. Received quotes with Allstate, American Family, and some I forget for my 2013 Mercedes-Benz M-Class and I’m now saving $51 a month. Insured with Esurance before. Just waiting to see how claims go.

  2. Cindi Decker

    What is UM/UIM coverage?

  3. Olin Bruce

    I’ve had GEICO for years. I’m in Kansas City, MO.

  4. Luci Acevedo

    If you have a good history and live around Gaithersburg, Maryland, check out Allstate. You might save some money.

  5. Lauralee Hill

    Anyone buy from AIG Insurance? I’m in Allentown, PA.

  6. Marinda Cochran

    I can’t pay high rates. I live in a small town just outside of Jersey City, NJ. Got car insurance prices from American Family, Mercury, and some smaller one I can’t remember the name of for my M-Class and saved just over $200 a year. I’m a pretty good driver though.

  7. Kelli Gregory

    Where is cheaper car insurance? Got a quote with State Farm for my Mercedes-Benz and am saving around $240 a year. Was with Travelers.

  8. Martina Barrett

    I went with 21st Century at renewal. Best rates in Rochester, Minnesota. Left Safeco to switch.

  9. Gail Dudley

    I’m looking for cheaper coverage. I live on the west side of Salt Lake City, UT. Got quotes from GEICO, AAA, and Erie for my M-Class and saved about $230 a year.

  10. Maximina Mullen

    Got a quote with American Family for my 2013 Mercedes-Benz M-Class and saved about $260 a year. I have several vehicles insured with them. I just quoted rates online.

  11. Christopher Montoya

    Nice info. I’m in Charlotte, NC. I got free quotes from Allstate, American Family, and some I forget for my M-Class and saved just over $560 a year. Moved home policy as well. You can get a rate quote online.

  12. Hank Hogan

    Cheaper car insurance is a myth. From Houston, TX. I compared lots of rates. Saved roughly $30 a month. 21st Century was the most affordable for me. Left Nationwide to switch. Hopefully won’t need it. Online quotes are the way to go.

  13. April Kent

    Corporate greed I’m telling you. From northwest of Aberdeen, SD. Received quotes from Amica, MetLife, and a few others for my 2013 Mercedes-Benz M-Class and saved around $530 a year. Was with GEICO. Not sure if rates are cheaper online or through an agent.

  14. Candance Alvarado

    Good site, thanks. I live just outside Little Rock, AR. Quoted with American Family, Nationwide, and some smaller one I can’t remember the name of for my 2013 Mercedes-Benz M-Class and saved just over $340 a year. Left Amica to switch. It’s easy to compare rates online now.