2000 Mercedes-Benz ML55 AMG Car Insurance Quotes

Trying to find lower auto insurance rates for your Mercedes-Benz ML55 AMG? Do you think you bought overpriced auto insurance? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy. Insurance companies such as Progressive, Geico and Farmers Insurance continually bombard you with advertising and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Auto insurance policy discounts you can’t miss

Companies offering auto insurance do not list all their discounts very well, so here is a list both the well known and the harder-to-find credits available to bring down your rates.

  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 25 to 30%.
  • Anti-theft System – Vehicles with anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Club Memberships – Participating in qualifying clubs or civic groups could earn you a nice discount on your next renewal.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercedes-Benz could be rewarded with better premium rates on cars that stay parked.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more on medical payment and PIP coverage.
  • Discounts for Safe Drivers – Insureds who avoid accidents can pay as much as 50% less on ML55 AMG insurance than their less cautious counterparts.
  • Multi-Vehicle Discounts – Insuring multiple vehicles with one company can reduce the rates for all insured vehicles.
  • One Accident Forgiven – but some companies like Allstate and Geico will allow you to have one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.
  • Sign Early and Save – A few companies give discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky.

A list of auto insurance companies and some of their more popular discounts can be read below.

  • Geico has discounts for emergency military deployment, anti-theft, anti-lock brakes, multi-vehicle, and military active duty.
  • Auto-Owners Insurance offers discounts for safe driver, student away at school, air bags, safe vehicle, group or association, paperless, and good student.
  • American Family includes discounts for mySafetyValet, Steer into Savings, multi-vehicle, bundled insurance, good driver, and accident-free.
  • Esurance may offer discounts for multi-policy, homeowner, Pac-12 alumni, good driver, online shopper, and anti-theft.
  • Progressive may have discounts that include online signing, multi-vehicle, good student, homeowner, continuous coverage, and multi-policy.
  • State Farm discounts include good driver, anti-theft, good student, multiple policy, multiple autos, and driver’s education.
  • AAA has savings for education and occupation, multi-policy, pay-in-full, good driver, good student, multi-car, and AAA membership discount.

Before you buy a policy, ask every insurance company which discounts you may be entitled to. Discounts may not apply to policyholders in every state. For a list of providers that provide some of the discounts listed above, click this link.

Cheap auto insurance

Finding more affordable auto insurance rates is surprisingly easy. All you need to do is invest a few minutes comparing free car insurance quotes to see which company has inexpensive car insurance quotes. It is quite easy and can be accomplished using a couple different methods.

  1. Probably the best way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating separate quotation requests for each company. One quote request will return quotes from auto insurance companies with the best prices.
  2. A more time consuming way to get comparison quotes consists of going to each individual company website and fill out a new quote form. For instance, let’s say you want to compare prices for State Farm, Geico and Allstate. You would have to go to every website to enter your coverage information, which is not fast way to get rate quotes. For a list of companies in your area, click here.

Whichever way you use, be sure to compare nearly identical quote information for every company. If you are comparing unequal deductibles or liability limits it will be nearly impossible to determine the best price for your Mercedes-Benz ML55 AMG.

Eight things that impact your insurance costs

Many different elements are used when you quote your car insurance policy. Some are pretty understandable like an MVR report, but other criteria are less apparent such as your marital status or your vehicle rating.One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that are used to determine the price you pay for auto insurance. If you understand what determines premiums, this allows you to make educated decisions that could help you find big savings.

The itemized list below are most of the major factors that factor into your premiums.

  • Married people drive safer – Getting married may save some money on your policy. It usually means you are less irresponsible and insurance companies like that married drivers tend to file fewer claims.
  • Expect high rates for teens – Beginning drivers are statistically proven to get distracted easily with other occupants in the car so they pay higher auto insurance rates. Parents adding a young driver onto your auto insurance can be quite pricey. Older, more experienced drivers are more cautious drivers, are lower risk to insure and receive fewer citations.
  • Use but don’t abuse your insurance – Companies give discounts to people who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for larger claims.
  • Buy as much liability coverage as you can afford – Liability insurance is the coverage that protects you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Your address can modify prices – Being located in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Drivers in populated areas have more aggressive driving styles and more severe claims. Less people living in that area means less chance of accidents in addition to fewer liability claims.
  • Gender impacts costs – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean females are better at driving than males. Males and females cause at-fault accidents at about the same rate, but guys have accidents that have higher claims. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving. Male teenagers are the most expensive to insure and are penalized with high auto insurance rates.
  • Drive less and save – The higher the miles on your Mercedes-Benz in a year the higher the price you pay to insure it. Most companies apply a rate based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those that get driven frequently. Having an incorrect usage rating on your ML55 AMG can cost quite a bit. Verify your auto insurance declarations sheet properly reflects the correct usage, because improper ratings can cost you money.
  • Do you have a high stress employer? – Occupational choices like doctorsair traffic controllers and medical professionals usually pay the highest average rates in part from high stress levels and incredibly demanding work hours. On the flip side, careers like actors, engineers and performers receive lower rates on ML55 AMG insurance.

Insurance agents can help

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Is my teenager covered with friends in the car?
  • What is the ISO rating for a 2000 Mercedes-Benz ML55 AMG?
  • If my pet gets injured in an accident are they covered?
  • Who is covered by my policy?
  • What is roadside assistance coverage?
  • Is a fancy paint job covered?
  • When can my company non-renew my policy?
  • How do I insure my teen driver?
  • Does coverage extend to my business vehicle?

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. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Auto insurance 101

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Liability coverage

Liability insurance provides protection from damage that occurs to other people or property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, loss of income, attorney fees, pain and suffering and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for rehabilitation expenses, hospital visits, X-ray expenses and dental work. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays for damage to your ML55 AMG caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, colliding with a tree, scraping a guard rail, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft, damage from flooding, a broken windshield and damage from getting keyed. The highest amount 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.

And the best car insurance company is…

Lower-priced 2000 Mercedes-Benz ML55 AMG insurance is attainable on the web and from local insurance agents, so you should compare both to have the best selection. There are still a few companies who may not provide rates over the internet and these small insurance companies only sell through local independent agents.

When searching for cheaper car insurance quotes, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Additional auto insurance information is available on the following sites: