2018 Mercedes-Benz Metris Insurance Cost – 9 Tips for Best Prices

Trying to find better auto insurance rates for your Mercedes-Benz Metris? Purchasing the lowest cost auto insurance online can be challenging for people not familiar with shopping for insurance online. With such a big selection of agents and insurance companies available, how are we expected to have time to compare the different rates to find the cheapest rates?

You need to price shop coverage once or twice a year because prices change regularly. Even if you think you had the lowest quotes for Metris insurance on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the things you must know in order to reduce your cost while increasing coverage.

Finding the best rates is not rocket science. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Nevertheless, drivers can benefit by having an understanding of the way companies compete online and apply this information to your search.

Save with these nine money-saving discounts

Some providers don’t list every available discount very clearly, so the following is a list of some of the best known and the more hidden credits available to bring down your rates.

  • Safety Restraint Discount – Drivers who require all occupants to buckle up before driving could cut 10% or more off PIP or medical payments premium.
  • No Claim Discounts – Drivers with accident-free driving histories pay much less in comparison with frequent claim filers.
  • Multiple Cars – Buying insurance for primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
  • Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction for Metris insurance with certain companies.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of 20 to 30 percent.
  • College Student Discount – Kids who live away from home at college and don’t have a car can receive lower rates.
  • Full Payment Discount – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Safe Driver Discount – Safe drivers could pay up to 40% less for Metris insurance than drivers with accident claims.

Don’t be shocked that some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works.

A list of companies and their offered discounts can be found below.

  • AAA has discounts for good student, anti-theft, multi-car, pay-in-full, and AAA membership discount.
  • Progressive policyholders can earn discounts including continuous coverage, good student, multi-policy, online quote discount, online signing, homeowner, and multi-vehicle.
  • State Farm includes discounts for passive restraint, good student, student away at school, Drive Safe & Save, good driver, and defensive driving training.
  • Esurance discounts include safety device, online shopper, Switch & Save, anti-lock brakes, homeowner, renters, and good student.
  • Nationwide offers discounts including family plan, defensive driving, easy pay, business or organization, and multi-policy.

If you need lower rates, check with each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be available in your area. To choose companies with significant discounts, click here.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • Can I get a multi-policy discount?
  • Do I need replacement cost coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Does my car insurance cover rental cars?
  • Can my babysitter drive my car?
  • Should I get collision insurance on every vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford low physical damage deductibles?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance policy coverages for a Mercedes-Benz Metris

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed, theft, damage from flooding and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like X-ray expenses, surgery, nursing services and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, pain and suffering, emergency aid, loss of income and medical expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

A penny saved is a penny earned

Budget-friendly car insurance is definitely available from both online companies in addition to local insurance agencies, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not offer rates over the internet and these small, regional companies only sell coverage through independent insurance agents.

People switch companies for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, policy cancellation or policy non-renewal. It doesn’t matter what your reason, switching car insurance companies is not as difficult as it may seem.

As you quote insurance coverage, do not sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice collision coverage and discovered at claim time that it was a big error on their part. Your focus should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

Other resources