View 2002 Mercedes-Benz M-Class Insurance Quotes

Being forced to pay for expensive car insurance premiums can drain your checking account and possibly require postponing other expenditures.

Companies like Geico and Progressive constantly blast consumers with ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

How much does insurance coverage cost?

There are multiple methods to compare insurance coverage prices but there is one way that is more efficient than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

Most car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and each company can give them a price for coverage. This saves time by eliminating repetitive form submissions to each individual insurance coverage company. To find out how much you can save on insurance coverage click to open in new window.

The one downside to comparing rates this way is buyers cannot specifically choose which companies you want to price. So if you want to choose specific providers to receive pricing from, we have a page of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverages and limits for every quote you compare. If you have different liability limits it will be next to impossible to determine the lowest rate for your Mercedes-Benz M-Class. Even a minor difference in insurance coverages or limits can result in a big premium difference. It’s important to know that comparing more quotes helps locate lower pricing.

Discounts for cheaper car insurance rates

Insurance can cost an arm and a leg, but you may be missing some discounts to reduce the price significantly. Some trigger automatically at the time of quoting, but a few must be specially asked for before they will apply.

Good Student – This discount can save 20 to 25%. The good student discount can last up to age 25.
Drive Safe and Save – Insureds without accidents can pay as much as 50% less on M-Class coverage compared to accident prone drivers.
Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
Paperless Signup – Many companies may give you up to $50 shop insurance digitally online.
Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.

While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic. Any amount of discount will help reduce the cost of coverage.

Companies and some of the discounts include:

Farm Bureau may include discounts for safe driver, multi-vehicle, multi-policy, renewal discount, driver training, youthful driver, and good student.
State Farm has discounts for multiple autos, good student, Steer Clear safe driver discount, Drive Safe & Save, and good driver.
Progressive may offer discounts for online quote discount, multi-vehicle, homeowner, continuous coverage, good student, online signing, and multi-policy.
Allstate offers discounts for 55 and retired, multi-policy, utility vehicle, farm vehicle, and eSmart discount.
Nationwide discounts include defensive driving, family plan, good student, multi-policy, and accident-free.
MetLife may have discounts that include good student, accident-free, claim-free, good driver, and multi-policy.

If you need low cost insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in every state.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine if you could use an agent’s help.

What is UM/UIM insurance?
Do I need rental car coverage?
Who is covered when they drive my 2002 Mercedes-Benz M-Class?
Is there coverage for injuries to my pets?
Why do I only qualify for high-risk insurance?
Am I covered if I hit a deer?
Am I covered by my spouse’s policy after a separation?
How much liability insurance is required?
What happens if I owe more than my 2002 Mercedes-Benz M-Class is worth?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, a broken windshield, falling objects, hitting a bird and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like funeral expenses, structural damage, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your M-Class caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, backing into a parked car, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as funeral costs, EMT expenses, doctor visits, chiropractic care and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage