View 2016 Mercedes-Benz Metris Insurance Rates

Want better insurance rates for your Mercedes-Benz Metris? Having to pay for overpriced Mercedes-Benz Metris insurance can bleed your savings and force you to prioritize other expenses. Price shopping at each renewal is a great way to slash your bill and have more diposable income.

Since vehicle owners have many insurance companies to choose from, it is very difficult to choose the best insurer.

Choosing the best insurance company for you is quite easy. Just about every vehicle owner who is shopping for insurance coverage stands a good chance to be able to save money. But drivers must understand how companies price online insurance and apply this information to your search.

Four tips to get cheaper insurance premiums

Many different elements are considered when you quote your car insurance policy. Some are obvious such as your driving history, but other criteria are less apparent like your vehicle usage or your commute time.An important part of buying insurance is that you know a few of the rating criteria that help calculate your auto insurance rates. If you understand what influences your rates, this allows you to make good choices that could help you find better auto insurance rates.

The factors shown below are some of the items utilized by car insurance companies to help set your rates.

  • Do thieves like your car? – Driving a car with advanced anti-theft systems can earn a premium discount. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.
  • Women tend to cost less – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. They both cause accidents at a similar rate, but the males have costlier accidents. In addition to higher claims, males also get higher numbers of serious violations like DUI and reckless driving.
  • Occupation can influence premiums – Occupations such as judges, social workers and financial analysts usually pay the highest rates attributed to high stress and long work days. Other careers like farmers, athletes and performers receive lower rates on Metris coverage.
  • Pay less after the wedding – Walking down the aisle actually saves money on auto insurance. Having a significant other may mean you are more mature and responsible and it’s statistically proven that being married results in fewer claims.

Cheap car insurance rates with discounts

Car insurance companies don’t always list the entire discount list in an easy-to-find place, so we researched some of the best known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

  • Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
  • Sign Online – Certain larger companies will give you a small discount for signing up digitally online.
  • Multiple Cars – Buying a policy with more than one vehicle on one policy can get a discount for every vehicle.
  • Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% on Metris coverage with some car insurance companies.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and Geico will forgive one accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Telematics Data Discounts – Drivers who elect to allow their car insurance company to spy on when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free car insurance policy, you won’t be that lucky. Any qualifying discounts will help lower your overall bill.

A few popular companies and their possible discounts are included below.

  • Progressive offers discounts including online quote discount, online signing, good student, homeowner, multi-vehicle, and multi-policy.
  • The Hartford may offer discounts for bundle, anti-theft, vehicle fuel type, defensive driver, and air bag.
  • Mercury Insurance policyholders can earn discounts including accident-free, anti-theft, multi-car, location of vehicle, professional/association, good student, and annual mileage.
  • Geico has discounts for daytime running lights, anti-theft, emergency military deployment, multi-vehicle, and driver training.
  • AAA may have discounts that include education and occupation, good driver, good student, anti-theft, pay-in-full, and multi-car.
  • State Farm includes discounts for multiple policy, passive restraint, driver’s education, student away at school, safe vehicle, anti-theft, and multiple autos.

When comparing rates, check with every insurance company which credits you are entitled to. Some discounts listed above might not be offered on policies in your area.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Who is covered by my policy?
  • Am I covered when driving a rental car?
  • Does insurance cover damages from a DUI accident?
  • Do I need replacement cost coverage on my 2016 Mercedes-Benz Metris?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages and their meanings

Knowing the specifics of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.

Liability car insurance – Liability insurance protects you from damage or injury you incur to other people or property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision – Collision insurance covers damage to your Metris resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, hitting a mailbox, crashing into a building, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, X-ray expenses, doctor visits, ambulance fees and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More quotes mean more savings

When getting insurance quotes online, it’s very important that you do not reduce needed coverages to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Budget-friendly auto insurance is possible online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not provide the ability to get a quote online and many times these regional insurance providers sell through independent agents.

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