1991 Mercedes-Benz 350-Class Insurance Rates

Are you overwhelmed by the number of car insurance companies that you can choose from? Many other drivers are as well. There are so many options that it can be a real difficult job to find better prices.

It’s important to get comparison quotes as often as possible due to the fact that insurance rates change regularly. Despite the fact that you may have had the lowest premium rates on 350-Class insurance on your last policy other companies may now be cheaper. Forget all the misinformation about car insurance because you’re going to learn the things you must know in order to find lower rates on car insurance.

How to find low cost car insurance

There are several ways to compare car insurance prices and some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could save time and use the web to maximize your effort.

Many companies participate in a marketplace that allows shoppers to enter their policy data once, and every company provides a quote determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

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

The only drawback to comparing rates this way is you don’t know exactly the providers to get pricing from. If you prefer to choose specific insurance companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, compare apples-to-apples coverage information for each quote you get. If you are comparing different values for each quote you will not be able to make a fair rate comparison. Quoting even small variations in insurance coverages or limits can result in a big premium difference. Keep in mind that comparing a large number of companies increases the change that you will find more affordable rates.

Eight discounts for lower-cost insurance rates

Properly insuring your vehicles can get expensive, but companies offer discounts that can dramatically reduce your bill. Many discounts should be triggered at quote time, but occassionally some discounts must be manually applied before you get the savings.

Defensive Driver – Completing a class that teaches defensive driver techniques may get you a small discount depending on where you live.
Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 25 to 30%.
Paper-free Discount – Many insurance companies will provide an incentive shop auto insurance over the internet.
Early Payment Discounts – By making one initial payment instead of making monthly payments you can avoid monthly service charges.
Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
ABS Braking Discount – Cars with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
Student Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% on 350-Class insurance depending on your insurance provider.

Please keep in mind that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So when it seems like you could get a free insurance policy, you’re out of luck.

A few popular companies and some of the discounts are:

GEICO may offer discounts for federal employee, emergency military deployment, multi-policy, military active duty, good student, multi-vehicle, and daytime running lights.
Travelers discounts include early quote, payment discounts, multi-car, good student, and save driver.
Nationwide policyholders can earn discounts including multi-policy, anti-theft, business or organization, Farm Bureau membership, easy pay, family plan, and good student.
Farmers Insurance offers discounts for teen driver, pay in full, youthful driver, switch companies, mature driver, good student, and multi-car.
Esurance has savings for anti-lock brakes, online quote, renters, multi-policy, safety device, paid-in-full, and good driver.
State Farm offers premium reductions for Drive Safe & Save, safe vehicle, good student, multiple policy, and defensive driving training.
Progressive has discounts for continuous coverage, multi-vehicle, homeowner, multi-policy, online quote discount, and online signing.
Mercury Insurance may have discounts that include good student, multi-car, multi-policy, professional/association, type of vehicle, annual mileage, and good driver.

Double check with each company how you can save money. Discounts may not be available in every state. To see a list of insurers with discount rates, click this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

Why does it cost so much to insure a teen driver?
Does my policy cover my teen driver if they drive my company car?
Do I need to file an SR-22 for a DUI in my state?
What happens if I owe more than my 1991 Mercedes-Benz 350-Class is worth?
Can I pay claims out-of-pocket if I buy high deductibles?
Are split liability limits better than a combined single limit?
Is business property covered if stolen from my car?
At what point should I drop full coverage?
Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, hail damage and falling objects. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1991 Mercedes-Benz 350-Class.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Auto collision coverage

This coverage pays for damage to your 350-Class caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, driving through your garage door, colliding with a tree, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for nursing services, surgery and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability auto insurance

This provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims like loss of income, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Cheaper insurance is a realistic goal

Drivers switch companies for a number of reasons such as policy non-renewal, extreme rates for teen drivers, high prices and delays in paying claims. Regardless of your reason, finding a new company is less work than it seems.

When getting auto insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. In many instances, drivers have reduced full coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

Low-cost 1991 Mercedes-Benz 350-Class insurance can be sourced online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not offer online price quotes and most of the time these smaller companies only sell coverage through independent agents.

1991 Mercedes-Benz 350-Class Insurance Rates – 8 Tricks for Best Quotes