1998 Mercedes-Benz SL-Class Insurance Quotes – 8 Ways to Save

Trying to find the cheapest car insurance rates for your Mercedes-Benz SL-Class? Are you burned out from robbing Peter to pay Paul to buy car insurance? You’re in the same situation as the majority of other vehicle owners.

Vehicle owners have so many car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates and find the lowest cost car insurance.

The purpose of this post is to teach you the best way to quote coverages. If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Although vehicle owners do need to understand the way companies market on the web and apply this information to your search.

Which auto insurance is cheapest?

Most larger insurance companies give pricing on their websites. This process is pretty easy because you just enter on the page. When the form is submitted, their system sends out for your driving record and credit report and quotes a price. Online quotes makes it simple to compare prices but the work required to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes if you want to find lower prices.

An easier way to locate the lowest prices uses one simple form to return rates from more than one company. This type of form saves time, requires less work, and makes price shopping online much more enjoyable. Immediately after you send the form, it is rated and you are able to buy any one of the returned quotes.

If you find a better price you can simply submit the application and buy the new coverage. This process takes just a few minutes to complete and can result in significant savings.

To quickly find out how much you’re overpaying now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you enter the coverage information as close as possible to your current policy. This ensures you will get a price comparison using the exact same coverages.

Take these eight policy discounts and save

Some insurers do not list the complete list of policy discounts in an easy-to-find place, so here is a list both the well known in addition to some of the lesser obvious ways to save on insurance.

  • Auto/Home Discount – When you have multiple policies and place coverage with the same company you could save 10% to 20% off each policy.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings of more than 20%.
  • Membership in Organizations – Participating in qualifying clubs or civic groups could trigger savings when getting a insurance quote.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts as compared to accident-prone drivers.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Savings – Just owning your own home may trigger a policy discount on insurance since home ownership is proof of financial responsibility.
  • Multi-Vehicle Discounts – Having more than one vehicle with the same company can reduce the rates for all insured vehicles.
  • Government Employees – Active or retired federal employment may qualify for a discount when you quote insurance for SL-Class insurance with some insurance companies.

As is typical with insurance, most credits do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it’s just not the way it works.

A few companies that may include many of the previously listed discounts may include but are not limited to:

When comparing rates, check with all the companies which credits you are entitled to. Some discounts may not apply to policyholders everywhere.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions could help you determine whether your personal situation will benefit from professional help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?
  • What is no-fault insurance?
  • Can I rent a car in Mexico?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Specific coverage details

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Liability car insurance – Liability coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, court costs, medical services and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, fire damage, damage from flooding and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills like prosthetic devices, X-ray expenses and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

When getting insurance quotes online, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Throughout this article, we presented a lot of ways to compare 1998 Mercedes-Benz SL-Class insurance premium rates online. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. Drivers may discover the lowest premium rates come from some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

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