How to Insure a Mercedes-Benz ML320 Bluetec like a Tightwad
If comparing car insurance was easy, most of us would do it more often. But the reality is, you probably don't enjoy it and you think it costs too much. Finding good insurance for your Mercedes-Benz ML320 Bluetec probably leaves you feeling the same way.
Step One: Compare Multiple Rates
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Welcome to the 21st century!
You can compare insurance rates for a Mercedes-Benz ML320 Bluetec simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To find affordable coverage for your Mercedes-Benz ML320 Bluetec, the first step is to click the link below and complete the short form.
Important Tip! In order to accurately compare rates for your ML320 Bluetec, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Insider Tips for Finding Cheaper ML320 Bluetec Insurance
After completing step one above, you can now learn some of the other ways to slash your ML320 Bluetec insurance costs.
- The Mercedes-Benz ML320 Bluetec is a higher performance vehicle, but do you really need the increased speed or power? Vehicles with more moderate performance are usually cheaper to insure.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- The ML320 Bluetec would be considered a luxury vehicle, and repair costs are generally higher for more expensive vehicles. This increased cost is passed on to you through a higher insurance cost.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- An SUV allows you to drive in snow and mud better than your average passenger car, and with that comes a higher risk of having an accident. So expect to pay a little more on car insurance.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
Step Three: Buy the Best Policy
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your ML320 Bluetec with.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Mercedes-Benz off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new ML320 Bluetec.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
The Insurance Information Institute has a great resource of car insurance articles where you can learn more about coverages and money saving tips. Visit iii.org.
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