1991 Mercedes-Benz 560-Class Insurance Rates

Searching for the cheapest insurance coverage rates for your Mercedes-Benz 560-Class? Trying to find cheap insurance coverage might be very difficult for drivers not familiar with quoting and comparing prices online. People have so many options that it can easily be a ton of work to find cheaper insurance coverage rates.

How to find low cost insurance coverage

The majority of larger companies allow you to get prices direct online. The process is pretty painless as you simply enter your coverage information as requested by the quote form. After you complete the form, the company’s rating system automatically retrieves your driving record and credit report and gives you a price quote based on these factors.

Online quotes makes it simple to compare prices but the time required to go to each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to get the best price possible.

The quickest way to find cheaper rates uses just one form that analyzes rates from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online price comparison much easier. After sending your information, it gets priced with multiple companies and you can pick any of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To find out how much you can save on insurance coverage, click here to open in a new tab and fill out the form. To compare your current rates, we recommend that you enter the coverages just like they are on your policy. This guarantees you will get a rate comparison based on identical coverages.

Insurance policy discounts you can’t miss

Some insurers don’t necessarily list all available discounts in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden discounts that you may qualify for.

  • Waiver for an Accident – This one is not really a discount per se, but some companies like Allstate and State Farm allow you one accident without getting socked with a rate hike if you are claim-free for a set time period.
  • Drive Less and Save – Driving fewer miles can qualify you for substantially lower prices.
  • Auto/Home Discount – If you can combine your home and auto policy and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
  • Multiple Cars – Having multiple vehicles with one company can reduce rates for all insured vehicles.
  • College Student – Kids who are enrolled in higher education away from home and don’t have a car can receive lower rates.
  • Online Discount – Many larger companies provide a small discount just for signing your application on the internet.
  • Renewal Discounts – Some larger companies provide a discount for switching companies before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

A list of companies and their offered discounts are:

  • Progressive may have discounts that include online quote discount, continuous coverage, good student, homeowner, multi-vehicle, online signing, and multi-policy.
  • AAA policyholders can earn discounts including AAA membership discount, education and occupation, pay-in-full, multi-policy, and multi-car.
  • Farmers Insurance includes discounts for early shopping, homeowner, distant student, teen driver, bundle discounts, business and professional, and mature driver.
  • GEICO discounts include multi-policy, good student, driver training, air bags, and emergency military deployment.
  • Esurance may include discounts for Switch & Save, DriveSense, safety device, emergency road assistance, and anti-lock brakes.
  • SAFECO offers discounts for anti-theft, homeowner, drive less, teen safety rewards, accident prevention training, and safe driver.
  • State Farm may offer discounts for multiple autos, passive restraint, driver’s education, Steer Clear safe driver discount, multiple policy, student away at school, and safe vehicle.

If you are trying to find inexpensive car insurance quotes, ask each insurance company the best way to save money. Some discounts might not be offered on policies in every state.

Insurance agents can help

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions may help highlight if your situation would benefit from professional advice.

  • If my 1991 Mercedes-Benz 560-Class is totaled, can I afford another vehicle?
  • Is my nanny covered when driving my vehicle?
  • Is extra glass coverage worth it?
  • How much can I save by bundling my policies?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is the minimum liability in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need rental car coverage?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy specifics

Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages

This coverage will pay to fix 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 can pay for things like fire damage, falling objects, damage from a tornado or hurricane and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your 560-Class from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, hospital visits, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible