Cheap 1991 Mercedes-Benz 350-Class Car Insurance Quotes

Looking for better car insurance rates for your Mercedes-Benz 350-Class? Having to pay for overpriced Mercedes-Benz 350-Class insurance can empty your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to help make ends meet.

Drivers have so many car insurance companies to pick from, and though it is a good thing to be able to choose, lots of choices makes it harder to get the best deal.

You need to do rate comparisons quite often since rates tend to go up over time. Even if you got the best rates on 350-Class coverage a couple years back the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance online, so by reading this article, you’re going to learn some proven techniques to buy car insurance cheaper.

Finding affordable auto insurance coverage is quite easy. Just about anyone who is shopping for auto insurance should be able to save money. Nevertheless, drivers do need to know how big insurance companies market insurance on the web because it can help you find the best coverage.

How to Compare Car Insurance Costs

All major car insurance companies such as State Farm, Allstate and Geico provide coverage prices directly from their websites. Getting quotes doesn’t take much effort as you just type in your coverage information into a form. Behind the scenes, the company’s rating system pulls information on your driving record and credit history and provides a quote based on these factors. This streamlines rate comparisons, but the process of having to visit several different sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step in order to find the best price on car insurance.

Isn’t there an easier way to compare rates?

The quickest way to compare car insurance pricing is to use a quote form that gets price quotes from a lot of companies. It’s a real time-saver, requires less work, and makes comparison shopping much simpler. Immediately after submitting the form, it gets priced and you are able to buy any of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and buy the policy. This process can be completed in less than 10 minutes and may result in a nice savings.

To save time and compare rates now, simply click here to open in new window and submit the form. To compare your current rates, we recommend you complete the form with the coverages identical to your current policy. This ensures you will get a rate comparison for exact coverage.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Am I missing any policy discounts?
  • Is my 1991 Mercedes-Benz 350-Class covered for flood damage?
  • When should I remove comp and collision on my 1991 Mercedes-Benz 350-Class?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I have combined single limit or split liability limits?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I wreck a rental car?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverages for a 1991 Mercedes-Benz 350-Class

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The highest amount 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.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, backing into a parked car, colliding with a tree, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for pain medications, dental work, prosthetic devices, X-ray expenses and funeral costs. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz 350-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages – This protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not 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. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, funeral expenses and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.