Cheaper 2009 Mercedes-Benz M-Class Insurance Quotes

Paying for high-priced Mercedes-Benz M-Class insurance can drain your savings account and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

Drivers have so many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it makes it harder to find the best rates for your vehicles.

Cheap Insurance Coverage Comparisons

The are a couple different ways of comparing price quotes from different insurance companies. The fastest way to compare 2009 Mercedes-Benz M-Class insurance prices consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form saves time by eliminating separate quote forms for every insurance coverage company. In just a few minutes this one form will get you price quotes from multiple companies.
  2. A harder way to analyze rates requires a visit to each company’s website and complete a new quote form. For examples sake, let’s say you want comparison quotes from Progressive, State Farm and GMAC. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

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

It’s up to you which method you use, but be sure to compare identical coverages for each price quote. If you use different liability limits it’s not possible to determine which rate is truly the best. Just a small difference in insurance coverages could mean much higher rates. And when quoting insurance coverage, remember that more quotes will improve the odds of getting a lower rate.

Save on Mercedes-Benz M-Class insurance

Auto insurance companies don’t always list every discount very well, so we researched both well-publicized and the more hidden ways to save on car insurance.

  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on M-Class coverage than their less cautious counterparts.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Homeowners Pay Less – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz could be rewarded with a substantially lower rate.

Keep in mind that some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurance companies with discount car insurance rates, click here.

Elements that influence Mercedes-Benz M-Class insurance rates

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are a partial list of the pieces that factor into rates.

  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, executives and accountants tend to have higher rates than average in part from high stress levels and lengthy work days. On the flip side, jobs such as scientists, athletes and performers receive lower rates on M-Class coverage.
  • No coverage gaps is important – Having an insurance coverage lapse is a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may need to file a SR-22 with your state DMV.
  • Sex matters – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as reckless driving.
  • Do you know your deductibles? – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mercedes-Benz from damage. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and windstorm damage. The deductibles are the amount of money you are required to spend in the event of a claim. The more expense you’re willing to pay, the bigger discount you will receive on M-Class coverage.
  • You might want pay the small claims yourself – Auto insurance companies provide cheaper rates to insureds who file claims infrequently. If you frequently file small claims, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Cautious drivers pay less – Good drivers tend to pay less for car insurance compared to drivers with tickets. Even one speeding ticket can increase rates by as much as thirty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Older drivers pay less – Teenage drivers are statistically proven to be more careless behind the wheel so they pay higher auto insurance rates. Having to add a teen driver onto your auto insurance can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and are safer drivers.
  • Add-on coverages can add up – There are a ton of add-on coverages that can waste your money on your auto insurance policy. Coverages for rental car reimbursement, accident forgiveness and motor club memberships are examples of these. These coverages may sound good at first, but if you don’t need them eliminate them to save money.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For instance, these questions might point out if you would benefit from professional advice.

  • What is high-risk coverage and where do I buy it?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I getting all the discounts available?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my liability insurance cover pulling a trailer or camper?
  • When would I need rental car insurance?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage for damage caused while driving under the influence?
  • If I drive on a suspended license am I covered?
  • Does my 2009 Mercedes-Benz M-Class qualify for pleasure use?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverages for a Mercedes-Benz M-Class

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, pain medications, rehabilitation expenses, funeral costs and X-ray expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision coverage

This pays for damage to your M-Class caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, fire damage, damage from getting keyed, hitting a deer and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

Liability coverage can cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as attorney fees, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2009 Mercedes-Benz M-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Saving money makes a lot of cents

We just covered a lot of techniques to compare 2009 Mercedes-Benz M-Class insurance prices online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the best prices are with the smaller companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Discount insurance is attainable online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and these small insurance companies work with independent agents.

More detailed insurance information is available at these sites: