2005 Mercedes-Benz M-Class Car Insurance Quotes – 9 Tips to Save

Looking for better insurance rates for your Mercedes-Benz M-Class? Having to pay for overpriced insurance can drain your bank account and force you to prioritize other expenses. Comparing price quotes is a smart way to cut your insurance bill. Because you have many insurance companies to choose from, it can be impossible to find the cheapest insurance company.

Discounts on 2005 Mercedes-Benz M-Class insurance

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about prior to receiving the credit. If you’re not getting every credit possible, you are paying more than you should be.

  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Air Bag Discount – Cars that have air bags can qualify for discounts of more than 20%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Senior Citizens – Older drivers may qualify for better insurance rates for M-Class insurance.
  • Clubs and Organizations – Belonging to a civic or occupational organization may earn a discount when shopping for insurance for M-Class insurance.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for M-Class insurance than their less cautious counterparts.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.

It’s important to understand that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

Companies that may offer these benefits include:

It’s a good idea to ask each company which discounts they offer. Discounts may not apply in every state.

Tailor your coverage to you

When buying the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help highlight whether your personal situation could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • What is high-risk coverage and where do I buy it?
  • What is an SR-22 filing?
  • Do I have newly-aquired coverage?
  • Is my 2005 Mercedes-Benz M-Class covered for smoke damage?
  • If I drive on a suspended license am I covered?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Having a good grasp of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, damage from flooding, theft and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for X-ray expenses, EMT expenses, pain medications and ambulance fees. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mercedes-Benz M-Class.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Liability coverages

Liability insurance provides protection from damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This coverage pays for damage to your M-Class resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a parking meter, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Be Smart and Buy Smart

Lower-priced 2005 Mercedes-Benz M-Class insurance is definitely available online as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

In this article, we presented many tips how you can get a better price on insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the most savings is with a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

More detailed auto insurance information is located by following these links: