2014 Mercedes-Benz M-Class Insurance Quotes – 8 Tips for Best Rates

Searching for better auto insurance rates? Consumers have lots of choices when looking for the best price on Mercedes-Benz M-Class insurance. They can either spend hours calling around to compare prices or save time using the internet to get rate quotes. There are more efficient ways to find auto insurance online so you’re going to learn the proper way to get price quotes for a Mercedes-Benz and locate the lowest price from both online companies and local agents.

If you have insurance now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. This information will teach you how to effectively get price quotes and some money-saving tips. Drivers just need to know the best way to shop their coverage around over the internet.

Cheapest auto insurance quotes

There are several ways to compare auto insurance quotes, but some are easier and takes less work. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Many popular insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote based on that data. This saves time by eliminating form submissions to every company. To get comparison pricing now click here (opens in new window).

The one downside to comparing rates this way is that consumers can’t choose which carriers you want to price. If you would rather choose individual companies to compare, we have a listing of auto insurance companies in your area. Click to view list.

Whichever way you use, compare nearly identical coverage limits and deductibles on every quote. If the quotes have mixed coverages you will not be able to get a fair rate comparison.

Switch companies and save? Really?

Drivers get pounded daily by advertisements that promise big savings for switching by Geico, State Farm and Progressive. They all seem to seem to make the promise about how much you will save just by moving your coverage to them.

How can each company give you a lower rate? This is the way they can do it.

All the different companies have specific criteria for a prospective insured that earns them the highest profit. An example of a profitable insured should be a female over age 40, carries full coverage, and has a high credit rating. Anyone who meets those qualifications receives the best rates and therefore will pay quite a bit less when switching companies.

People who are not a match for these stringent criteria will see a more expensive rate which leads to the customer not buying. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully advertise the savings. This emphasizes why drivers must get a wide range of price quotes. It is impossible to guess the company that will provide you with the cheapest prices.

Take these eight policy discounts and save

Some insurers don’t list every possible discount very well, so the list below contains a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online. If you do not double check each discount possible, it’s possible you qualify for a lower rate.

• Savings for New Vehicles – Putting car insurance coverage on a new car is cheaper because newer vehicles have to meet stringent safety requirements.
• Accident-Free Discounts – Drivers with accident-free driving histories pay less compared to accident-prone drivers.
• Renewal Discounts – Some companies give discounts for buying a new policy before your current coverage expires. Ten percent is about the average savings.
• Save with More Vehicles Insured – Buying coverage for multiple vehicles on one policy can reduce rates for all insured vehicles.
• Driver’s Ed – Teen drivers should enroll and complete driver’s education if it’s offered in school.
• Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.
• E-sign – Some car insurance companies will give you a small discount just for signing your application digitally online.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Companies and their possible discounts are outlined below.

• Geico offers discounts for military active duty, membership and employees, federal employee, seat belt use, and driver training.
• Travelers offers premium reductions for IntelliDrive, hybrid/electric vehicle, driver training, multi-policy, and new car.
• Nationwide may include discounts for easy pay, defensive driving, Farm Bureau membership, anti-theft, business or organization, multi-policy, and good student.
• Farmers Insurance may offer discounts for pay in full, bundle discounts, early shopping, teen driver, switch companies, homeowner, and electronic funds transfer.
• Esurance discounts include good student, homeowner, Switch & Save, anti-theft, Pac-12 alumni, and online quote.
• State Farm may have discounts that include Steer Clear safe driver discount, defensive driving training, good student, good driver, multiple policy, and student away at school.
• Progressive offers discounts including online quote discount, multi-vehicle, continuous coverage, online signing, good student, and multi-policy.
• Mercury Insurance has discounts for annual mileage, good student, ease of repair, age of vehicle, multi-car, low natural disaster claims, and good driver.

If you are trying to find cheaper auto insurance quotes, ask every insurance company how many discounts you can get. Discounts may not apply to policyholders in your area. If you would like to view companies that offer discounts, click here to view.

Which policy gives me the best coverage?

When choosing the best insurance coverage coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

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

• Do I have newly-aquired coverage?
• Does car insurance cover theft of personal property?
• Is pleasure use cheaper than using my 2014 Mercedes-Benz M-Class to commute?
• Am I missing any policy discounts?
• Do I need rental car coverage?
• Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, prosthetic devices, chiropractic care, X-ray expenses and doctor visits. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2014 Mercedes-Benz M-Class.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, crashing into a ditch, scraping a guard rail, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

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

Comprehensive coverage pays for claims like damage from flooding, damage from a tornado or hurricane, a broken windshield and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy 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 limit of $25,000 paid for damaged property.

Liability can pay for things such as structural damage, bail bonds, court costs, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Get your money’s worth

We covered many ways to compare 2014 Mercedes-Benz M-Class insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost auto insurance. Drivers may discover the lowest prices come from some of the smallest insurance companies.

Budget-friendly auto insurance is available from both online companies as well as from insurance agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and many times these regional carriers only sell coverage through independent agencies.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where someone dropped full coverage and found out when filing a claim that it was a big mistake. The goal is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

More information is available at the links below

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Rollover Crash FAQ (iihs.org)