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The M-class is a midsize luxury sedan in Mercedes’ lineup. It starts at just under $49,000, though buyers should also consider the cost of owning a car. Will fuel economy be an issue? What will your insurance premiums look like? For the base ML350 trim, rates hover around $1,600 a month on average. If you opt for one of the higher trim levels, you’ll obviously be paying more. If you’d like to learn more about Mercedes M-class insurance, read on.
The M-class got a makeover in 2012, particularly its exterior. It’s presently offered in 4 trims: The ML350, the ML350 Bluetech, the ML550 and the ML63 AMG. The base ML350 has a 3.5 liter V6, while if you upgrade in trim levels, you could see a powerful twin-turbo 4.7 liter 8 cylinder engine in the ML550.
Standard on all models are the following features: heated and power front seats, sunroof, a power lift gate, and Mercedes’ COMAND interface among other features. You won’t be left wanting for more tech or luxury options. This car comes fully decked out with all the amenities you’d expect to come with a Mercedes.
Strong points on the M-class are the strong brakes and excellent handling. Overall, it is an elegant choice for a midsize, luxury SUV.
Insurance costs for luxury vehicles are pricey; however, this is more reason to educate yourself on how insurers quote you your premium. There are certain factors that can help or harm you when trying to get a lower rate.
The first and perhaps most important risk factor is driving history. If you don’t have any traffic citations or accidents on record, then you’re likely to see lower rates. It denotes you as a conscientious driver and likely means the driver won’t be in future accidents or filing claims.
Another measure of responsibility is one’s credit score. It is a measure of financial responsibility, and gauges your ability to meet financial obligations. In this case, it will indicate to your insurer, that you’re able to make your payments in a timely manner.
Location is another important factor. Is there a high auto theft rate in your area? Is there a high volume of traffic congestion in your area? These factors can make you have a higher than average premium.
The M-class hasn’t been tested by the federal government, though the IIHS has named it as a Top Safety Pick. The only way a car can receive this recognition is if it receives the top score of “good” on all of its crash tests. Being a top safety pick helps lower your premium.
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