2018 Mercedes-Benz SLC-Class Insurance Quotes – 10 Ways to Save

Want lower insurance rates for your Mercedes-Benz SLC-Class? Did you make the mistake of buying an overpriced insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive insurance.

There is such a variety of insurers to buy insurance from, and although it’s a good thing to have a choice, it can be more challenging to get the best deal.

Which insurance is cheapest?

There are a variety of methods to compare insurance quotes, but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use online quoting to achieve your goal.

Most of the larger companies enroll in a system that enables customers to enter their policy data once, and every company can give them a price based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

One minor caviat to doing it this way is that you can’t choose the insurers you will receive quotes from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

However you get your quotes, do your best to enter apples-to-apples coverages with every price quote. If your comparisons have differing limits it’s not possible to find the best deal for your Mercedes-Benz SLC-Class. Even a minor difference in limits could throw off the whole comparison. And when price shopping your coverage, comparing more company’s prices helps increase your odds of locating better pricing. Not every company allows you to get online quotes, so it’s important to compare price quotes from them, too.

Insurance Discounts

The cost of insuring your cars can be expensive, but there may be some discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but some must be manually applied before being credited.

  • Resident Student – Any of your kids who live away from home to go to college and leave their car at home may qualify for this discount.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save a little off the personal injury premium cost.
  • Accident-Free Discounts – Good drivers with no accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Active Service Discounts – Having a deployed family member could mean lower rates.
  • Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you could save 5% or more.
  • New Vehicle Savings – Insuring a vehicle that is new is cheaper due to better safety requirements for new vehicles.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for SLC-Class insurance.
  • One Accident Forgiven – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike if you have no claims for a specific time period.
  • Drivers Education – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.

Remember that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will lower your policy premium.

Car insurance companies that may offer policyholders most of the discounts above include:

Before purchasing a policy, check with all the companies which discounts they offer. Some credits might not be offered in your area. If you would like to view insurers who offer insurance discounts, click this link.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Why do I need rental car insurance?
  • Am I getting all the discounts available?
  • Can I make deliveries for my home business?
  • What is PIP insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my Mercedes-Benz SLC-Class covered if I use it for business?
  • How much underlying liability do I need for an umbrella policy?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Collision coverage – This coverage will pay to fix damage to your SLC-Class caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as dental work, rehabilitation expenses, EMT expenses, funeral costs and hospital visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz SLC-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane, rock chips in glass and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance – This protects you from injuries or damage you cause to a person or their property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical expenses, bail bonds, loss of income, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as large an amount as possible.