2018 Mercedes-Benz SL-Class Insurance Quotes – 10 Tips to Save

Want cheaper auto insurance rates for your Mercedes-Benz SL-Class? I doubt anyone looks forward to buying auto insurance, especially knowing the cost is too high. You have so many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to get the best deal.

Slash your insurance coverage rates with these ten discounts

Buying insurance coverage is not cheap, but discounts can save money and there are some available to help bring down the price. A few discounts will be applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.

  • Own a Home and Save – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Safety Restraint Discount – Drivers who require all occupants to use their safety belts can save 10% or more off the PIP or medical payment premium.
  • Defensive Driver – Completing a safe driver course can save you 5% or more and easily recoup the cost of the course.
  • Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, Allstate, and Geico will let one accident slide without the usual rate increase with the catch being you have to be claim-free before the accident.
  • Data Collection Discounts – Insureds that choose to allow companies to look at their driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
  • Paperless Signup – Some insurance companies may give you up to $50 just for signing your application online.
  • Distant Student – College-age children who live away from home to go to college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Drivers Education – Teen drivers should enroll and complete driver’s education as it can save substantially.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, company stockholders wouldn’t be very happy.

To locate insurers who offer free insurance coverage quotes, click here to view.

The quickest way to compare insurance rates from multiple companies utilizes the fact all the major auto insurance companies allow for online access to provide you with free rate quotes. The one thing you need to do is give them some information like your general credit rating, the type of vehicles you drive, driver details, and if a SR-22 is required. The data gets sent immediately to all major companies and you will get price comparisons immediately.

You are unique and your auto insurance should be too

When buying adequate coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out if your situation would benefit from professional advice.

  • Do I need more liability coverage?
  • Does car insurance cover theft of personal property?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I getting all the discounts available?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are rental cars covered under my policy?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Insurance policy specifics

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for pain medications, X-ray expenses, rehabilitation expenses, dental work and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz SL-Class.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

This protects you from damage that occurs to people or other property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things like legal defense fees, bail bonds, medical services and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision coverage pays for damage to your SL-Class resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird and damage from getting keyed. The highest amount 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.

At the end of the day…

In this article, we covered a lot of techniques to compare 2018 Mercedes-Benz SL-Class insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding cheap insurance coverage. You may even discover the lowest prices come from a lesser-known regional company. These companies often have lower rates on specific markets than the large multi-state companies such as Progressive and Geico.

Budget-conscious 2018 Mercedes-Benz SL-Class insurance can be found on the web and from local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies may not provide online price quotes and these small, regional companies only sell through independent insurance agencies.

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