View 2016 Mercedes-Benz SLC-Class Car Insurance Quotes

Finding better rates for auto insurance can be challenging for consumers not familiar with comparing rates online. There are so many options that it can easily become more work than you anticipated to find the best price.

It’s a good habit to get comparison quotes before your policy renews due to the fact that insurance rates change regularly. Just because you found the lowest rates on SLC-Class insurance on your last policy there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn one of the best ways to find great coverage at a great price.

Compare Car Insurance Today

There are several ways to shop for Mercedes-Benz SLC-Class car insurance, but there is one way that is easier and takes less work. You could waste time discussing policy coverages with insurance agencies in your area, or you could use online quotes for quick rates.

The majority of car insurance companies enroll in a system where insurance shoppers enter their policy data once, and each participating company returns a rated price based on that information. This prevents consumers from doing quotation requests for each company you want a rate for. To compare 2016 Mercedes-Benz SLC-Class rates using this form now click here to start a free quote.

The only drawback to pricing coverage this way is you don’t know exactly which companies to get quotes from. So if you prefer to choose specific providers to receive pricing from, we put together a list of car insurance companies in your area. Click to view list.

However you get your quotes, ensure you are comparing exactly the same quote information with every price quote. If you compare differing limits it will be very difficult to truly determine the lowest rate. Quoting even small variations in insurance coverages could mean much higher rates. And when comparing car insurance rates, know that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Cut prices on Mercedes-Benz SLC-Class insurance

Companies offering auto insurance don’t always publicize every available discount very clearly, so here is a list both the well known and the harder-to-find ways to save on insurance coverage.

  • Driver’s Ed – Have your child successfully complete driver’s ed class in high school.
  • Accident Free – Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on SLC-Class insurance than their less cautious counterparts.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on SLC-Class insurance depending on your company.
  • E-sign – Certain companies may give you up to $50 just for signing your application online.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

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

Factors that can influence Mercedes-Benz SLC-Class insurance rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in better insurance rates.

Listed below are a few of the “ingredients” that factor into premiums.

  • Where you live is a factor – Residing in less populated areas has it’s advantages when it comes to insurance. Urban drivers tend to have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident.
  • How’s your driving record? – A bad driving record has a big impact on rates. Drivers with clean records have lower premiums than bad drivers. Just one moving violation may increase your cost forty percent or more. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Lower rates come with age – Older drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers. Teen drivers have a tendency to be more careless behind the wheel and because of this, their insurance rates are much higher.
  • Liability coverage is peace of mind – Liability insurance will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Equipment add-ons that lower insurance rates – Choosing a vehicle with an alarm system can get you a discount on your insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Sex matters – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause accidents at about the same rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.
  • Pay less after the wedding – Having a spouse helps lower the price on your insurance policy. Having a significant other translates into being more responsible and it’s proven that being married results in fewer claims.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Auto insurance companies give better rates to people who are claim-free. Car insurance is intended for major claims that would cause financial hardship.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • Do I need more liability coverage?
  • Do I benefit by insuring my home with the same company?
  • What is no-fault insurance?
  • Exactly who is provided coverage by my policy?
  • Why do I need rental car insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • I don’t drive much so do I pay less?
  • Where can I find high-risk insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I getting all the discounts available?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

What car insurance coverages do you need?

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability – Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like loss of income, attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage – Collision insurance covers damage to your SLC-Class caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, colliding with another moving vehicle, hitting a mailbox, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for nursing services, chiropractic care, surgery and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2016 Mercedes-Benz SLC-Class.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, damage from a tornado or hurricane, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Make an honest buck

We just showed you quite a bit of information on how to shop for 2016 Mercedes-Benz SLC-Class insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from a small mutual company.

Consumers who switch companies do it for any number of reasons including questionable increases in premium, poor customer service, extreme rates for teen drivers or high prices. Regardless of your reason for switching companies, finding a new auto insurance company can be easier than you think.

As you restructure your insurance plan, do not buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

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