2013 Mercedes-Benz SLK-Class Insurance Rates

Want better car insurance rates for your Mercedes-Benz SLK-Class? Getting cheaper car insurance online can appear to be overwhelming for vehicle owners who are new to comparison shopping over the internet. With dozens of online companies, how are we expected to efficiently compare every car insurance company to find the best price?

It is always a good idea to shop coverage around periodically since insurance prices are rarely the same from one policy term to another. If you had the lowest rate on SLK-Class coverage six months ago you can probably find a lower rate today. Block out anything you think you know about car insurance because it’s time to teach you the best methods to save money, get proper coverage and the best rates.

The cheapest auto insurance rate quotes online

To find inexpensive car insurance quotes, there are several ways of comparing rate quotes from all the different companies. By far the easiest way to find the lowest 2013 Mercedes-Benz SLK-Class rates is to perform an online rate comparison. This can be done in a couple minutes as outlined below.

If you’re in a hurry, the quickest way to get quotes is a comparison rater form like this one (opens in new window). This form prevents you from having to do separate quotes for each price estimate. One form gets you coverage quotes instantly. This is by far the quickest method.

A different way to compare rate quotes requires a trip to each company’s website to complete their respective quote request forms. For instance, let’s assume you want to view quotes from Nationwide, Liberty Mutual and GMAC. To find out each rate you need to go to every website and type in your information over and over, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverages for each quote you get. If you enter mixed coverages then you won’t be able to find the best deal for your Mercedes-Benz SLK-Class. Even a minor difference in insurance coverages may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes will improve the odds of getting a better price. Not every company provides price estimates online, so it’s recommended that you also compare price estimates from them as well.

Car Insurance Discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that you may not know about. Certain credits will be shown at the time of purchase, but occassionally some discounts must be inquired about before you get the savings.

  • Accident-Free Discounts – Good drivers with no accidents can earn big discounts when compared with bad drivers.
  • Multi-car Discount – Purchasing coverage when you have several vehicles on a single policy may reduce the rate for each vehicle.
  • Early Renewal Discounts – A few larger companies allow discounts for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
  • Sign Online – Some car insurance companies will give a small break for buying your policy over the internet.
  • Discounts for Cautious Drivers – Drivers who avoid accidents may save up to 50% more on SLK-Class coverage compared to accident prone drivers.
  • Accident Forgiveness Coverage – but some insurance companies will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
  • Good Students Pay Less – Being a good student can save 20 to 25%. Many companies even apply the discount to college students up to age 25.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, it’s just not the way it works. Any qualifying discounts will lower the premium cost.

A few popular companies and some of their more popular discounts are detailed below.

  • State Farm policyholders can earn discounts including multiple policy, driver’s education, good student, safe vehicle, good driver, and passive restraint.
  • American Family has discounts for TimeAway discount, bundled insurance, mySafetyValet, Steer into Savings, good student, and multi-vehicle.
  • GEICO discounts include multi-policy, military active duty, anti-lock brakes, seat belt use, federal employee, air bags, and good student.
  • 21st Century offers premium reductions for theft prevention, early bird, 55 and older, driver training, and air bags.
  • Progressive may offer discounts for good student, online signing, continuous coverage, homeowner, multi-vehicle, and online quote discount.

When getting a coverage quote, ask every company which discounts they offer. Some credits might not be available to policyholders in your area. To find insurance companies that offer discounts, click here.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions may help you determine if your situation would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • Does my car insurance cover rental cars?
  • Am I covered when using my vehicle for business?
  • I don’t drive much so do I pay less?
  • Do I need an umbrella policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Does coverage extend to my business vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Who is covered when they drive my 2013 Mercedes-Benz SLK-Class?
  • Am I covered if I hit a deer?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance – This coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair bills for other people’s vehicles, medical expenses, pain and suffering, emergency aid and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision – This coverage pays for damage to your SLK-Class resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses such as ambulance fees, prosthetic devices, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, hitting a deer, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.