How Much Does 1999 Mercedes-Benz M-Class Insurance Cost?

Looking for cheaper insurance coverage rates for your Mercedes-Benz M-Class? No one looks forward to paying for insurance coverage, particularly when the price is too high.

Because there are so many options, it is very difficult to pick the lowest price insurance company.

It’s a great practice to get comparison quotes once or twice a year because rates tend to go up over time. If you had the lowest rates on M-Class insurance on your last policy a different company probably has better rates today. Starting right now, forget all the misinformation about insurance coverage because you’re about to learn one of the best ways to lower your annual insurance bill.

The purpose of this post is to familiarize you with how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. But consumers can benefit by having an understanding of how the larger insurance companies market on the web and apply this information to your search.

Pieces of the Mercedes-Benz M-Class insurance rate puzzle

It’s important that you understand the different types of things that go into determining your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

Listed below are a few of the “ingredients” used by your company to calculate your rates.

  • Don’t let your coverage lapse – Letting your insurance expire is a fast way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage might get you a license revocation or jail time.
  • High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Mercedes-Benz M-Class earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Do you know you’re credit rating? – A driver’s credit history is a large factor in calculating your car insurance rates. So if your credit score is not that good, you could pay less to insure your 1999 Mercedes-Benz M-Class by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
  • You might want pay the small claims yourself – Insurance companies generally give discounts to people who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.
  • Rates may be lower depending on your job – Careers like lawyers, executives and dentists are shown to have the highest average rates due to job stress and long work hours. Other occupations such as scientists, historians and the unemployed pay the least on M-Class insurance.

Don’t miss these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be asked for prior to getting the savings.

  • College Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Senior Citizens – Mature drivers may receive a discount up to 10% on M-Class insurance.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will help reduce your overall premium however.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Check with each insurance company what discounts are available to you. Some discounts might not apply in your state.

When might I need help?

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you will benefit from professional help.

  • How can I find cheaper teen driver insurance?
  • Should I have combined single limit or split liability limits?
  • Do I need special endorsements for business use of my vehicle?
  • What is the ISO rating for a 1999 Mercedes-Benz M-Class?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How high should my medical payments coverage be?
  • Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1999 Mercedes-Benz M-Class.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Liability insurance

This coverage can cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as emergency aid, medical expenses, legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, hitting a bird, vandalism and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This pays for damage to your M-Class caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, crashing into a building, rolling your car, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like dental work, funeral costs and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Have money to burn

Affordable 1999 Mercedes-Benz M-Class insurance can be purchased from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

We covered a lot of tips how to save on insurance. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the lowest premiums are with the least-expected company. They may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

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