Cheap 2016 Mercedes-Benz SL-Class Car Insurance Quotes

Want cheaper insurance coverage rates for your Mercedes-Benz SL-Class? If you are a novice to online insurance coverage shopping, it’s easy to get baffled because of the huge number of insurance providers offering insurance.

Affordable car insurance price quotes

All the larger car insurance companies allow you to get insurance quotes directly from their websites. Doing online price comparisons can be done by anyone as all you need to do is type in into the quote form. After you submit the form the system obtains your credit score and driving record and returns a price quote based on the information you submitted.

Online price estimates makes comparing rates easy, but the work required to visit several different sites and type in the same information is repetitive and time-consuming. But it’s necessary to get many rate quotes in order to get the best price possible.

The smarter way to compare car insurance pricing utilizes a single form that gets price quotes from a lot of companies. It saves time, requires less work, and makes online price comparison much easier to do. Immediately after you send the form, it is quoted and you are able to buy any of the resulting price quotes.

If a lower price is quoted, you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To compare pricing, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended that you enter your coverages identical to your current policy. Doing this assures you will have comparison quotes for similar coverage.

Car insurance ads bend the truth

21st Century, Allstate and State Farm seem to constantly run ads on TV and radio. They all seem to make an identical promise that you can save if you move your coverage to them. Is it even possible that every company can make the same claim?

All companies have a certain “appetite” for the type of driver that will be a good risk. For instance, a profitable insured may need to be between 25 and 40, is a homeowner, and drives a car with an anti-theft system. Any person who matches that profile will get very good prices and will also save if they switch.

Insureds who don’t meet this stringent profile will probably be forced to pay a higher rate and this can result in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can confidently state the savings.

This really illustrates why you absolutely need to compare as many free insurance quotes as you can. It’s just not possible to know which company will provide the lowest prices.

Do you qualify for discounts?

Car insurance is not inexpensive, but you might already qualify for some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you purchase, but some must be asked for in order for you to get them.

  • Paperless Signup – Some larger companies will discount your bill up to fifty bucks get insurance digitally online.
  • Driver’s Ed – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of more than 20%.
  • Bundled Policy Discount – If you can combine your auto and home policy with one insurance company you could get a discount of at least 10 to 15 percent or more.
  • Lower Rates for Military – Being deployed with a military unit can result in better car insurance rates.
  • Life Insurance – Not all car insurance companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.
  • Telematics Discount – Drivers who elect to allow their company to scrutinize driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.
  • Discount for Low Mileage – Keeping the miles down on your Mercedes-Benz may allow you to get cheaper prices.
  • Distant Student – Kids who live away from home at college and leave their car at home could qualify for this discount.

It’s important to note that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you could get a free car insurance policy, you aren’t that lucky. Any qualifying discounts will definitely reduce your overall bill.

A few companies that possibly offer these discounts include:

Before you buy a policy, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply in your area. To find insurance companies who offer discounts, click here to view.

Don’t assume everyone needs the same auto insurance coverage

When buying the best auto insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • Which is better, split liability limits or combined limits?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I hit my neighbor’s mailbox?
  • How much liability coverage do I need in my state?
  • Does having multiple vehicles earn me a discount?
  • Is my state a no-fault state?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage specifics

Having a good grasp of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverages – This coverage pays for damage to your SL-Class resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive car insurance – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, vandalism and damage from flooding. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, dental work, rehabilitation expenses and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages – Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, loss of income, funeral expenses, pain and suffering and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Feed the piggy bank

Lower-priced insurance coverage is available from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not offer price quotes online and usually these small, regional companies provide coverage only through independent agencies.

You just learned many ways to reduce 2016 Mercedes-Benz SL-Class insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest insurance. You may be surprised to find that the most savings is with a small mutual company.

As you quote insurance, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

Additional information