2000 Mercedes-Benz SL-Class Car Insurance Rates

Looking for the cheapest auto insurance rates for your Mercedes-Benz SL-Class? Have you had enough of robbing Peter to pay Paul each month for auto insurance? You have the same problem as many other consumers.

There is such a variety of car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, more options can take longer to compare rates.

Compare car insurance rates

Most larger insurance companies provide insurance quotes on the web. Obtaining pricing is very simple as you simply enter the coverages you want on the page. When complete, their quoting system makes automated requests for your driving record and credit report and returns a price based on the data you entered. This streamlines rate comparisons, but the work required to visit a lot of sites and type in the same data is repetitive and time-consuming. But it’s necessary to perform this step in order to get lower prices.

Quote rates the easy way

A quicker way to compare car insurance pricing is to use a quote form that obtains quotes from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes online shopping a little more enjoyable. After sending the form, it gets priced with multiple companies and you can pick any of the returned quotes. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

In order to find out how much you can save on car insurance, click here and submit your coverage information. If you currently have coverage, we recommend you complete the form with the coverage information just like they are on your policy. Doing this guarantees you will receive rate quotes based on identical coverages.

Double check you’re getting these discounts

Some insurance providers don’t always publicize all their discounts very clearly, so the next list breaks down both well-publicized and the more hidden credits available to you.

• Service Members Pay Less – Being on active duty in the military may lower your rates slightly.
• Telematics Discount – Drivers who elect to allow driving data collection to spy on driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they show good driving skills.
• New Car Discount – Buying coverage on a new vehicle can save you some money since new vehicles have better safety ratings.
• Driver Training Discounts – Successfully completing a driver safety class could cut 5% off your bill and easily recoup the cost of the course.
• Homeowners Discount – Being a homeowner can help you save on insurance since owning and maintaining a home shows financial diligence.
• Organization Discounts – Having an affiliation with a civic or occupational organization can get you a small discount on insurance.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
• Discounts for Safe Drivers – Drivers who avoid accidents can save as much as half off their rates for SL-Class coverage as compared to drivers with claims.

Remember that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few of the larger companies and the discounts they provide include:

• GEICO offers discounts including emergency military deployment, federal employee, seat belt use, anti-theft, multi-vehicle, good student, and five-year accident-free.
• MetLife may include discounts for defensive driver, good driver, multi-policy, good student, claim-free, and accident-free.
• State Farm offers discounts for safe vehicle, multiple policy, Drive Safe & Save, accident-free, passive restraint, and good student.
• Progressive has savings for continuous coverage, online signing, homeowner, good student, online quote discount, and multi-policy.
• Mercury Insurance includes discounts for age of vehicle, professional/association, anti-theft, multi-car, ease of repair, accident-free, and good student.
• 21st Century offers premium reductions for early bird, air bags, 55 and older, good student, defensive driver, and homeowners.
• Allstate policyholders can earn discounts including early signing, utility vehicle, FullPay discount, resident student, anti-theft, 55 and retired, and teenSMART discount.

It’s a good idea to ask every insurance company the best way to save money. Discounts may not apply to policyholders in every state.

Special considerations

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining if you will benefit from professional help.

• Is motorclub coverage worth it?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is no-fault insurance?
• Why am I required to buy high-risk coverage?
• Can my teen drive my company car?
• When would I need rental car insurance?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Uninsured and underinsured coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz SL-Class.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, damage from getting keyed, hitting a deer, a broken windshield and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision coverage covers damage to your SL-Class from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability – Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as pain and suffering, bail bonds, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses such as EMT expenses, doctor visits, prosthetic devices, chiropractic care and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage