Compare 2013 Mercedes-Benz SLK-Class Insurance Rates

Looking for lower insurance coverage rates for your Mercedes-Benz SLK-Class? Feel like you’re a prisoner to overpriced insurance coverage? Believe me when I say you are not the only one feeling buyer’s remorse. Many auto insurance companies compete for your insurance dollar, so it’s not easy to compare every company to find the absolute lowest price

You need to take a look at other company’s rates yearly due to the fact that insurance rates change frequently. Just because you had the best rates for SLK-Class coverage six months ago a different company probably has better rates today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to understand the proper methods to find the lowest price over the internet.

Free Auto Insurance Quotes

Getting a cheaper price on 2013 Mercedes-Benz SLK-Class insurance can be surprisingly simple. You just need to spend a little time comparing rates online with multiple companies. This is very easy and can be done in a couple of different ways.

The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing repetitive form entry for each company you want a rate for. Completing one form gets you price quotes direct from many companies.
A less efficient way to analyze rates requires a visit to the website for each individual company and fill out their own quote form. For example, we’ll pretend you want rates from Allstate, Progressive and GMAC. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
The hardest way to compare rates is to spend time driving to insurance agents’ offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional guidance of a local agent. You can, however, compare the best prices online and get advice from an agent in your area and we’ll talk about that later.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverage information for every quote you compare. If the quotes have differing limits it will be very difficult to decipher which rate is best.

Do you qualify for a discount?

Car insurance companies don’t always list every available discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.

College Student – Any of your kids living away from home attending college and don’t have a car can receive lower rates.
Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for SLK-Class coverage with certain companies.
Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% for SLK-Class coverage.
Student Driver Training – Require your teen driver to complete a driver education course in school.
Auto/Home Discount – When you have multiple policies with one company you will save at least 10% off all policies.

Keep in mind that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

For a list of companies with the best insurance coverage discounts, click here.

What coverages do I need?

When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you could use an agent’s help.

Can I still get insurance after a DUI?
What is the rate difference between pleasure use and commuting?
Will my vehicle be repaired with OEM or aftermarket parts?
Can I drive in Mexico and have coverage?
Is borrowed equipment or tools covered if stolen or damaged?
Is my state a no-fault state?
I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

Auto insurance 101

Understanding the coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your SLK-Class caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, pain medications, doctor visits and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass and vandalism. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2013 Mercedes-Benz SLK-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.