View 2014 Mercedes-Benz SLK-Class Insurance Quotes

Looking for the cheapest insurance coverage rates for your Mercedes-Benz SLK-Class? Comparison shopping for insurance coverage can be challenging for consumers not familiar with shopping for insurance online. Drivers have so many options that it can be a real challenge to find lower rates.

Where Can I Get Cheap Insurance Coverage?

Effectively comparing insurance coverage prices can take time and effort if you aren’t aware of the easiest way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could use online quotes to maximize your effort.

The majority of car insurance companies enroll in a system that enables customers to enter their coverage request one time, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do form submissions to every company.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to pricing coverage this way is you cannot specify which carriers to receive prices from. So if you want to select from a list of companies to request quotes from, we put together a list of insurance coverage companies in your area. Click to view list.

Whichever way you use, ensure you are comparing exactly the same deductibles and coverage limits for each price quote. If you are comparing different values for each quote then you won’t be able to determine the lowest rate for your Mercedes-Benz SLK-Class. Just a small difference in insurance coverages may result in a large different in cost. And when quoting insurance coverage, remember that getting more free quotes gives you a better chance of getting lower pricing.

Mercedes-Benz SLK-Class insurance rates have many determining factors

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Better credit scores mean better rates – Credit rating is a huge factor in determining what you pay for insurance coverage. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower ratings. If your credit history can use some improvement, you could save money insuring your 2014 Mercedes-Benz SLK-Class by repairing your credit.
  • Where you live – Choosing to live in small towns and rural areas is a positive aspect when buying insurance coverage. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have more traffic problems and longer commute times. Longer commute distances can result in more accidents.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Both sexes tend to get into accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • Policy add-ons can waste money – There are a lot of additional coverages that you can buy when buying insurance coverage. Coverages for rental car reimbursement, towing coverage and additional equipment coverage may be costing you every month. They may seem good when talking to your agent, but now you might not need them so eliminate them to save money.

How much can you save with discounts?

Companies offering auto insurance do not list all their discounts in an easy-to-find place, so we break down both the well known and also the lesser-known discounts you could be receiving.

  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on SLK-Class coverage than drivers with accident claims.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Drive Less and Save – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Club Memberships – Being a member of a qualifying organization may earn a discount when shopping for insurance on SLK-Class coverage.
  • Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.

Drivers should understand that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

To see a list of insurance companies with discount insurance rates, click this link.

How much car insurance do I need?

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation may require specific advice.

  • How high should deductibles be on a 2014 Mercedes-Benz SLK-Class?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving on a suspended license?
  • Do I need replacement cost coverage?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance policy specifics

Learning about specific coverages of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from a tornado or hurricane and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz SLK-Class.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as X-ray expenses, doctor visits, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

This coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, pain and suffering, emergency aid and court costs. How much coverage you buy is up to you, but buy as large an amount as possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, hitting a parking meter, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

In Summary

People switch companies for any number of reasons including policy non-renewal, poor customer service, lack of trust in their agent and being labeled a high risk driver. Whatever your reason, finding a new company can be less work than you think.

The cheapest 2014 Mercedes-Benz SLK-Class insurance is definitely available from both online companies and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of information how to reduce insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from the smaller companies.

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