Cheap 2016 Mercedes-Benz SLC-Class Car Insurance Quotes

Want better insurance coverage rates for your Mercedes-Benz SLC-Class? Scraping up a payment for expensive Mercedes-Benz SLC-Class insurance can bottom out your checking account and make it impossible to make ends meet. Price shopping at each renewal can lower your rates and help to lower your monthly bill.

Vehicle owners have multiple insurance companies to choose from, and even though it’s nice to have a selection, too many choices makes it more difficult to find the best rates.

Lower rates by qualifying for discounts

Car insurance is not cheap, but there may be some discounts that you may not even know about. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be specifically requested before you will receive the discount. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.

  • Save over 55 – Older drivers can get a small decrease in premiums for SLC-Class coverage.
  • Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for SLC-Class coverage with certain companies.
  • Discount for Home Ownership – Owning your own home or condo can save a few bucks due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Defensive Driving Course – Taking time to complete a course in defensive driving could save 5% or more and easily pay for the cost of the class.
  • Good Student – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Data Collection Discounts – Insureds who allow companies to track driving manner by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
  • Student in College – College-age children who are attending college without a vehicle on campus could qualify for this discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags may get savings of 20% or more.
  • Accident Waiver – This isn’t a discount exactly, but a few companies such as Allstate, State Farm and GEICO permit an accident without the usual rate increase if your claims history is clear for a specific time period.

One last thing about discounts, many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A few of the larger companies and their possible discounts are included below.

  • GEICO offers discounts for multi-vehicle, membership and employees, daytime running lights, driver training, five-year accident-free, and anti-theft.
  • USAA includes discounts for new vehicle, driver training, vehicle storage, defensive driver, multi-vehicle, and safe driver.
  • Progressive has savings for multi-vehicle, continuous coverage, good student, online quote discount, homeowner, and multi-policy.
  • American Family may include discounts for good student, defensive driver, early bird, mySafetyValet, multi-vehicle, and accident-free.
  • Esurance has discounts for online shopper, good driver, claim free, safety device, anti-theft, Switch & Save, and DriveSense.
  • Farmers Insurance offers premium reductions for bundle discounts, good student, youthful driver, switch companies, and mature driver.
  • State Farm discounts include passive restraint, multiple autos, safe vehicle, multiple policy, Drive Safe & Save, and good driver.

It’s a good idea to ask each company or agent what discounts are available to you. Some discounts might not be available to policyholders in your area. If you would like to see a list of providers that offer the discounts shown above, follow this link.

Insurance coverage is unique, just like you

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • Where can I find DUI or SR-22 insurance?
  • Why does it cost so much to insure a teen driver?
  • How much liability insurance is required?
  • Are split liability limits better than a combined single limit?
  • Will filing a claim cost me more?
  • Am I covered if I drive in a foreign country?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Coverage for collisions

Collision insurance covers damage to your SLC-Class from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, hail damage, damage from a tornado or hurricane and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for pain medications, prosthetic devices, chiropractic care and doctor visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 2016 Mercedes-Benz SLC-Class.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Liability coverages

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

A little work can save a LOT of money

We just presented some good ideas how you can shop for 2016 Mercedes-Benz SLC-Class insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the lowest priced auto insurance comes from the smaller companies. Regional companies often have lower rates on specific markets compared to the large companies like Progressive or GEICO.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an insured cut full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

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