2000 Mercedes-Benz M-Class Car Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 8, 2021

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Tired of not being able to afford each month for car insurance? You’re in the same situation as many other drivers. Popular companies such as GEICO, 21st Century and Progressive constantly blast consumers with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Lots of discounts mean lots of savings

Car insurance companies don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find some of the more common and the more hidden savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
  • Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
  • 55 and Retired – Mature drivers may be able to get a small decrease in premiums on M-Class coverage.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies who might offer these money-saving discounts include:

  • State Farm
  • GEICO
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

Check with each insurance company which discounts you may be entitled to. Discounts may not apply in every state.

Finding Insurance Coverage Deals

All major insurance coverage companies such as Progressive, GEICO, Allstate and State Farm provide pricing directly from their websites. The process is fairly simple as you simply type in your required coverages into the quote form. After you submit the form the system automatically retrieves your driving record and credit report and gives you a price quote based on these and other factors. This simplifies rate comparisons, but the process of having to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes if you are searching for better prices.

The better way to compare rates

The quickest way to find cheaper rates requires only one form that analyzes rates from more than one company. It saves time, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. Immediately after you send the form, it is rated and you can choose your choice of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and get comparison pricing now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate deductibles and limits as shown on your current policy. This helps ensure you will be getting rate quotes for similar coverage.

Situations that might require an agent

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining if you might need professional guidance.

  • Is business property covered if stolen from my car?
  • When should my teen driver be added to my policy?
  • Do all my vehicles need collision coverage?
  • What are the financial responsibility laws in my state?
  • Can my babysitter drive my car?
  • Am I covered if I wreck a rental car?
  • Can I drive in Mexico and have coverage?
  • Is my Mercedes-Benz M-Class covered if I use it for business?
  • Do I need motorclub coverage?

Car insurance 101

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Liability coverage

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like medical expenses, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2000 Mercedes-Benz M-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a bird, falling objects and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, 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 provide coverage for immediate expenses like chiropractic care, funeral costs, nursing services and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Shop around and save

Budget-conscious 2000 Mercedes-Benz M-Class insurance is definitely available on the web as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Additional detailed information can be found in these articles:

  • Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
  • Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
  • Distracted Driving Statistics (Insurance Information Insitute)
  • Things to Know Before you Cancel Insurance (Allstate)
  • Driving in Bad Weather (Insurance Information Insitute)
  • Neck Injury FAQ (iihs.org)

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