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

Finding low-cost insurance for a Mercedes-Benz M-Class can turn out to be a lot of work, but you can use these tips to make it easier.

There is a better way to shop for car insurance and we’ll show you the absolute fastest way to compare rates for a Mercedes-Benz and obtain the lowest price from local insurance agents and online providers.

Compare free insurance quotes

Getting a cheap price on 1999 Mercedes-Benz M-Class insurance can be quick and easy. All that’s required is to spend a few minutes getting comparison quotes to discover which company has the cheapest car insurance quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The simplest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do separate forms for each company you want a rate for. Filling out one form gets prices estimates from many national carriers. This is perfect if you don’t have a lot of time.
  2. A more difficult way to analyze rates is to take the time to go to each individual company website and complete a new quote form. For instance, let’s assume you want rates from GEICO, Progressive and Farmers. To get rate quotes you would need to navigate to each company’s site and repeatedly type in your coverage information, which can be really labor intensive. For a list of companies in your area, click here.
  3. The least efficient method to find cheaper rates to all the different insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of a licensed agent. It is possible to get prices online but buy from a local insurance agent.

It’s your choice how you get your quotes, but be sure you’re using nearly identical coverage limits and deductibles for every company. If you have different data you can’t possibly determine which rate is truly the best.

Find hidden discounts to get affordable auto insurance rates

Not many people think insurance is cheap, but you can get discounts that can dramatically reduce your bill. A few discounts will be applied at the time of quoting, but some may not be applied and must be manually applied in order for you to get them.

  • Multi-line Discount – Some auto insurance companies give lower premium rates if you buy a life policy as well.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save a little on the medical payments or PIP coverage costs.
  • No Claim Discounts – Insureds with no claims or accidents have much lower rates in comparison with drivers who are more careless.
  • Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts could see savings of up to 25% or more.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings when getting a car insurance quote.
  • Good Drivers – Drivers without accidents can save up to 40% or more on their car insurance quote on M-Class coverage than drivers with accident claims.
  • Military Deployment Discount – Being deployed in the military could be rewarded with lower prices.

Discounts lower rates, but most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts should definitely cut your overall bill.

A list of auto insurance companies and some of the premium reductions they offer can be found below.

  • State Farm policyholders can earn discounts including defensive driving training, passive restraint, Steer Clear safe driver discount, anti-theft, and student away at school.
  • Nationwide offers discounts for good student, anti-theft, multi-policy, easy pay, defensive driving, Farm Bureau membership, and accident-free.
  • GEICO may include discounts for seat belt use, multi-vehicle, emergency military deployment, membership and employees, defensive driver, federal employee, and five-year accident-free.
  • AAA includes discounts for anti-theft, multi-car, education and occupation, pay-in-full, AAA membership discount, and multi-policy.
  • 21st Century has savings for teen driver, early bird, automatic seat belts, good student, homeowners, and student driver.
  • The Hartford has discounts for air bag, bundle, driver training, anti-theft, good student, defensive driver, and vehicle fuel type.

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Some discounts might not be available to policyholders in your area. To find auto insurance companies with the best auto insurance discounts, follow this link.

How your M-Class insurance premiums are determined

Lots of things are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving record, but other criteria are more transparent like your vehicle usage or your financial responsibility.

The itemized list below are just a few of the factors used by insurance companies to determine premiums.

  • Little extras can really add up – There are a lot of extra coverages that sound like a good idea at the time on your M-Class policy. Coverages like roadside assistance, high-cost glass coverage, and motor club memberships could be just wasting money. They may seem like a good idea when buying your policy, but your needs may have changed so remove them and pocket the money.
  • Consider raising comp and collision deductibles – Deductibles for physical damage state the amount of money you are required to pay in the event of a claim. Physical damage insurance, also called ‘full coverage’, insures against damage to your car. Some examples of claims that would be covered would be rearending another vehicle, fire damage, and damage from wind. The more money the insured has to pay upfront, the less your company will charge you for insurance on M-Class coverage.
  • Why do you need liability protection? – Liability insurance will afford coverage if you are found to be at fault for damages from an accident. It provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Claim-free discounts can add up – Insurance companies give most affordable rates to drivers that do not abuse their auto insurance. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Alarm systems save money – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining if your insurance needs may require specific advice.

  • If I drive on a suspended license am I covered?
  • Is my 1999 Mercedes-Benz M-Class covered for smoke damage?
  • Does my car insurance cover rental cars?
  • Is motorclub coverage worth it?
  • Does car insurance cover theft of personal property?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my policy cover me when driving someone else’s vehicle?
  • What can I do if my company denied a claim?
  • When should I drop full coverage on my 1999 Mercedes-Benz M-Class?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a Mercedes-Benz M-Class

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Auto collision coverage

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

Collision coverage pays for claims like hitting a mailbox, crashing into a building, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Liability auto insurance

This coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering, medical expenses and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Mercedes-Benz M-Class.

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 is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, falling objects, damage from a tornado or hurricane, damage from getting keyed and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses such as surgery, ambulance fees, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Final thoughts

We just showed you some good ideas how to lower your 1999 Mercedes-Benz M-Class insurance premium rates. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from the smaller companies.

Budget-conscious 1999 Mercedes-Benz M-Class insurance is possible on the web and with local insurance agents, and you should compare rates from both to have the best selection. A few companies do not offer online price quotes and these smaller companies prefer to sell through independent insurance agencies.

Consumers switch companies for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, policy non-renewal and policy cancellation. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

More detailed insurance information is available at these sites: