Lower Your 1993 Mercedes-Benz 400-Class Car Insurance Cost

Finding better insurance prices for a new or used Mercedes-Benz 400-Class can normally be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to shop for auto insurance and we’ll show you the quickest way to get price quotes on a Mercedes-Benz and locate the best price possible.

Compare the Market for Car Insurance

Effectively comparing car insurance prices can be challenging if you don’t utilize the most efficient way to do it. You could waste time talking about coverages with insurance agencies in your area, or you could use online quoting to get pricing more quickly.

Many companies participate in an industry program that enables customers to submit one quote, and each participating company returns a rated price based on that information. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The single downside to getting quotes like this is you cannot specify the companies you want to price. If you wish to select specific insurance companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click here to view list.

Whichever method you choose, ensure you’re using apples-to-apples coverages and limits for each price quote. If your comparisons have different values for each quote it’s not possible to determine the lowest rate for your Mercedes-Benz 400-Class.

Don’t pay full price with these discounts

Car insurance is not cheap, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but less common discounts must be asked for in order for you to get them. If you’re not getting every credit you qualify for, you’re paying more than you need to.

Accident Waiver – Some insurance companies permit an accident without raising rates if you are claim-free for a set time period.
Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
Club Memberships – Being a member of a civic or occupational organization could qualify you for a break when buying insurance coverage for 400-Class insurance.
Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.
Federal Government Employee – Employees or retirees of the government can save as much as 8% for 400-Class insurance depending on your company.
Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
Sign Online – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.

A partial list of companies that may offer these benefits are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not be available in your state.

Your personal situation dictates your coverage

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you would benefit from professional advice.

I have a DUI can I still get coverage?
Do all my vehicles need collision coverage?
Am I covered when using my vehicle for business?
What is medical payments coverage?
How can I get high-risk coverage after a DUI?
What is PIP insurance?
Which is better, split liability limits or combined limits?
Why does it cost so much to insure a teen driver?
Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Insurance specifics

Understanding the coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision coverage

This coverage covers damage to your 400-Class resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

This provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, legal defense fees and funeral expenses. How much coverage you buy is up to you, but consider buying higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1993 Mercedes-Benz 400-Class.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses like chiropractic care, pain medications, surgery, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible