2014 Mercedes-Benz SL-Class Insurance Quotes – 7 Tips to Save

Locating better insurance prices for your Mercedes-Benz SL-Class can be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to find auto insurance online so you’re going to learn the absolute fastest way to get price quotes for a Mercedes-Benz and find the best price possible.

If you have insurance now or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Buying the best auto insurance coverage is quite easy. Drivers just need to learn how to compare company rates online.

Where Can I Get Cheap Insurance Coverage?

Finding a better price on insurance coverage is not a difficult process. You just need to take time comparing rates from different insurance companies. This can be accomplished using a couple different methods.

  1. The recommended way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form saves time by eliminating separate quotation requests for each company. In just a few minutes this one form gets you coverage quotes from all major companies. Just one form and you’re done.
  2. A less efficient way to get quotes online requires visiting each individual company website to complete their respective quote request forms. For sake of this example, let’s say you want comparison quotes from Allstate, Safeco and State Farm. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient way to compare rates is driving to different agent offices. The internet has reduced the need for local agents unless you want the personal advice of a local agent. Drivers can compare the best prices online but buy from a local insurance agent.

Which method you use is up to you, but ensure you’re using identical deductibles and coverage limits for every quote you compare. If each company quotes different liability limits it’s impossible to make an equal comparison.

Do auto insurance companies bend the truth?

Drivers constantly see and hear ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. They all have a common claim about savings if you move to them.

How can each company say the same thing? It’s all in the numbers.

All companies can use profiling for the type of customer that earns them a profit. A good example of a preferred risk might be profiled as between the ages of 30 and 50, owns a home, and has a short commute. A customer who meets those qualifications gets the lowest rates and as a result will probably save when switching.

Potential customers who don’t qualify for the “perfect” profile will be quoted higher premiums which usually ends up with business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can claim big savings. This emphasizes why you should get as many comparisons as possible. You cannot predict which company will provide you with the cheapest Mercedes-Benz SL-Class insurance rates.

Best discounts on Mercedes-Benz SL-Class coverage

Companies don’t list all available discounts very clearly, so we break down both the well known and the more hidden car insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Defensive Driver – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • New Car Discount – Insuring a new car can save up to 30% since new cars are generally safer.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Paperwork-free – A few companies will give a small break just for signing your application on their website.
  • Student in College – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
  • Passive Restraints – Cars that have air bags can receive discounts up to 30%.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.

Consumers should know that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts might not apply in your state.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a 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 would benefit from professional advice.

  • Will filing a claim cost me more?
  • Why am I required to buy liability insurance?
  • Is my dog or cat covered if injured in an accident?
  • Does insurance cover damages from a DUI accident?
  • Do I really need UM/UIM coverage?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverage details

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mercedes-Benz SL-Class.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from flooding, vandalism, falling objects and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses like rehabilitation expenses, chiropractic care and doctor visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability car insurance

This coverage provides protection from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for 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.

Liability coverage protects against things like legal defense fees, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Coverage for collisions

Collision insurance pays for damage to your SL-Class resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Quote often and quote early

Throughout this article, we presented many tips how you can shop for 2014 Mercedes-Benz SL-Class insurance online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising.

Budget-conscious insurance is possible on the web and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds switch companies for a number of reasons such as denial of a claim, high rates after DUI convictions, unfair underwriting practices and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

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