Save on 2022 Mercedes-Benz Metris Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Have you fallen victim to high-priced insurance coverage? Trust us when we tell you there are many people just like you.

Multiple insurers compete for your hard-earned dollar, so it can be very hard to choose a company and get the definite lowest rate

It’s a good idea to get comparison quotes occasionally because insurance coverage prices are usually higher with each renewal. Even if you got the best rates on Metris insurance six months ago there is a good chance you can find better premium rates now. Forget all the misinformation about insurance coverage because I’m going to teach you the proper way to lower your annual insurance bill.

The fastest way that we advise to compare car insurance rates takes advantage of the fact almost all companies actually pay money for the chance to quote your coverage. All you need to do is provide the companies a bit of rating information like if it has an alarm system, how much school you completed, whether your vehicle is owned or leased, and how much coverage you want. Those rating factors is sent automatically to many of the top insurers and they return rate quotes instantly to find the best rate.

Find discounts on insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but some discounts are required to be inquired about before being credited. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.

  • Defensive Driver Discounts – Taking time to complete a course teaching safe driver skills may get you a small discount if you qualify.
  • College Student – Children who live away from home at college and leave their car at home could get you a discount.
  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Fewer Miles Equal More Savings – Low annual miles could qualify for cheaper rates.
  • Professional Memberships – Joining a professional or civic organization could qualify you for a break on your next insurance statement.
  • Home Ownership Discount – Owning a house can get you a discount since home ownership demonstrates responsibility.
  • Discount for Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Save with More Vehicles Insured – Insuring several vehicles with one company can get a discount for every vehicle.

Don’t be surprised that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

A list of insurance companies and the discounts they provide can be read below.

  • State Farm may have discounts that include multiple autos, Steer Clear safe driver discount, safe vehicle, driver’s education, and student away at school.
  • Progressive offers discounts for good student, online quote discount, online signing, multi-policy, and multi-vehicle.
  • Travelers may offer discounts for save driver, IntelliDrive, multi-car, early quote, multi-policy, and student away at school.
  • American Family offers discounts including early bird, multi-vehicle, Steer into Savings, good student, defensive driver, and TimeAway discount.
  • Liberty Mutual has savings for newly married, hybrid vehicle, good student, safety features, new vehicle discount, new graduate, and multi-policy.

Before purchasing a policy, check with every prospective company which discounts you may be entitled to. Discounts may not apply to policyholders everywhere. To view insurance companies who offer free insurance quotes, enter your zip code here.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For example, these questions could help you determine whether you could use an agent’s help.

  • Do I have coverage when using my vehicle for my home business?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my teenager covered with friends in the car?
  • Should I put collision coverage on all my vehicles?
  • Should I have a commercial auto policy?
  • How high should my medical payments coverage be?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out your zip code.

Insurance coverages and their meanings

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Comprehensive auto coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass, vandalism and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance – This can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, emergency aid, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision – Collision coverage covers damage to your Metris resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills for dental work, rehabilitation expenses, hospital visits and ambulance fees. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2022 Mercedes-Benz Metris.

Due to the fact that many 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 very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

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