2013 Mercedes-Benz SLK-Class Car Insurance Quotes – 10 Tips to Save

Consumers have lots of choices when looking for the best price on Mercedes-Benz SLK-Class insurance. You can either waste hours contacting agents to compare prices or save time using the internet to get rate quotes.

There is a better way to find auto insurance online so you’re going to learn the quickest way to get price quotes for a Mercedes-Benz and locate the cheapest rates from local insurance agents and online providers.

Auto Insurance Prices Online

Getting better 2013 Mercedes-Benz SLK-Class auto insurance pricing is actually quite simple. Consumers just need to take time getting comparison quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

The single most time-saving way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate quotation requests to each individual auto insurance company. One form will return price quotes direct from many companies. This is perfect if you don’t have a lot of time.
A different way to find lower rates is spending the time to visit the website of each company to complete a price quote. For examples sake, we’ll pretend you want comparison quotes from Allstate, Progressive and Geico. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
The least efficient method of getting rate comparisons is driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you want the trained guidance only provided by licensed agents. It is possible to find lower rates online but buy from a local insurance agent and we’ll talk about that later.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverage limits and deductibles with each company. If your comparisons have mixed coverages then you won’t be able to make an equal comparison.

These ten discounts can lower your rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but a few must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you’re paying more than you need to.

Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.
Memberships – Participating in a civic or occupational organization is a good way to get lower rates on your policy on SLK-Class coverage.
Senior Citizens – Mature drivers may be able to get reduced rates on SLK-Class coverage.
E-sign – A handful of insurance companies may give you up to $50 just for signing your application digitally online.
No Charge for an Accident – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
Payment Method – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
Driver’s Ed – Have your child take driver’s ed class in high school.
Own a Home – Owning a home may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.

Drivers should understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut the amount you have to pay.

For a list of providers with the best car insurance discounts, follow this link.

Different people need different coverages

When it comes to choosing the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

Is other people’s property covered if stolen from my vehicle?
Do I have any recourse if my insurance company denies a claim?
Am I missing any policy discounts?
Who is covered when they drive my 2013 Mercedes-Benz SLK-Class?
How do I buy GAP insurance?
When would I need rental car insurance?
Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Knowing the specifics of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, ambulance fees and doctor visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2013 Mercedes-Benz SLK-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against things such as damage from getting keyed, hitting a deer and a broken windshield. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see 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 can pay for claims like legal defense fees, repair bills for other people’s vehicles, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This pays for damage to your SLK-Class resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.