2016 Mercedes-Benz Metris Car Insurance Rates – 5 Tricks for Cheapest Quotes

Searching for lower insurance rates for your Mercedes-Benz Metris? Have you fallen victim to high-priced insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Big-name insurance companies like Allstate, Progressive and Geico constantly blast consumers with TV and radio ads and it is difficult to avoid their marketing magic and find the best price available.

Consumers need to shop coverage around quite often due to the fact that insurance rates change frequently. If you had the lowest rates for Metris coverage a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate how to quote online to buy cheaper insurance.

If you currently have car insurance, you will most likely be able to save some money using these tips. Buying car insurance is not that difficult. But vehicle owners should learn how insurance companies sell online.

How to Compare Auto Insurance

There are several ways you can shop for Mercedes-Benz Metris auto insurance but there is one way that is less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to maximize your effort.

Many popular insurance companies participate in an industry program where prospective buyers submit one quote, and each company then gives them pricing based on the submitted data. This system prevents you from having to do repetitive form submissions to each company. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify the insurers to get quotes from. So if you want to choose individual companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just compare identical coverages and limits for each price quote. If you compare different values for each quote it will be impossible to truly determine the lowest rate. Quoting even small variations in coverage limits could mean much higher rates. Keep in mind that obtaining a wide range of quotes helps locate better pricing.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specifically requested prior to getting the savings.

Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Metris coverage than less cautious drivers.
Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.

It’s important to understand that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. But all discounts will reduce the cost of coverage.

To see a list of insurers with discount insurance coverage rates, click here to view.

Situations that might require an agent

When it comes to buying the best insurance coverage coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine if your situation might need professional guidance.

Should I drop comprehensive coverage on older vehicles?
How do I insure my teen driver?
Do I pay less if my vehicle is kept in my garage?
Is there coverage for injuries to my pets?
Where can I get insurance after a DUI in my state?
When should I remove comp and collision on my 2016 Mercedes-Benz Metris?
What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance coverage basics

Learning about specific coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2016 Mercedes-Benz Metris.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for rehabilitation expenses, nursing services and pain medications. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

This will cover damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, funeral expenses, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, rock chips in glass and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your Metris resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.