Cheap 2013 Mercedes-Benz SL-Class Car Insurance Cost

Having to pay for overpriced Mercedes-Benz SL-Class insurance can overdraw your checking account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a company and get the best coverage at the lowest price

If you have car insurance now, you should be able to cut costs considerably using these tips. Finding affordable coverage is not that difficult. But vehicle owners need to have an understanding of how the larger insurance companies price insurance differently and apply this information to your search.

Comprehensive Auto Insurance Comparison

Effectively comparing auto insurance prices is a ton of work if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can utilize online quotes to get the quickest rates.

All the larger companies participate in a marketplace that allows shoppers to submit one quote, and at least one company can provide price quotes based on that information. This prevents consumers from doing quotation requests to each company. To participate in this free quote system, click to open in new window.

The only drawback to using this type of system is you can’t choose the companies you want pricing from. If you would rather choose specific providers to compare prices, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

However you get your quotes, be sure to compare identical coverage limits and deductibles with every price quote. If you are comparing different deductibles you can’t possibly truly determine the lowest rate. Just a small difference in limits may result in a large different in cost. Just keep in mind that quoting more will enable you to find lower pricing.

Pay less for 2013 Mercedes-Benz SL-Class insurance

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked about prior to getting the savings.

  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Club Memberships – Belonging to a qualifying organization may earn a discount on your policy for SL-Class coverage.
  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Driver Safety – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for SL-Class coverage depending on your company.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a discount up to 10% for SL-Class coverage.

Keep in mind that most credits do not apply the the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

A partial list of companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings may not be available in your area.

Parts of the Mercedes-Benz SL-Class rate equation

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. Knowing what determines base rates enables informed choices that will entitle you to better auto insurance rates.

  • How your age affects price – Teen drivers are statistically proven to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Having to add a teenage driver onto your auto insurance can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
  • Low deductibles can be expensive – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mercedes-Benz. Some instances where coverage would apply are collision with another vehicle, collision with an animal, or theft. Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive for SL-Class coverage.
  • Do you know you’re credit rating? – A driver’s credit score is a important factor in determining your rates. If your credit is lower than you’d like, you could potentially save money when insuring your 2013 Mercedes-Benz SL-Class by repairing your credit. Consumers who have high credit scores tend to be less risk to insure than those with poor credit.
  • Don’t buy coverages you don’t need – There are quite a few additional coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and membership fees may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Where you live can impact rates – Being located in a rural area has it’s advantages when insuring your vehicles. Lower population translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Higher commute times translates into higher accident risk.
  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to bump up your auto insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance might get you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining whether you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Am I better off with higher deductibles on my 2013 Mercedes-Benz SL-Class?
  • What is no-fault insurance?
  • What can I do if my company denied a claim?
  • Is extra glass coverage worth it?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Do drivers who switch really save $489 a year?

Insurance companies such as 21st Century, Allstate and State Farm continually stream ads in print and on television. They all seem to say the same thing that you can save after switching to them. But how can every company make the same claim?

Different companies can use profiling for the type of driver they prefer to insure. For instance, a preferred risk might be over the age of 50, is a homeowner, and has excellent credit. A propective insured who meets those qualifications will get the preferred rates and therefore will save when switching.

Potential customers who fall outside these standards will be quoted a more expensive rate and this can result in business not being written. The ads state “customers that switch” not “people who quote” save that much. This is how insurance companies can confidently advertise the way they do.

This emphasizes why you should get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Mercedes-Benz SL-Class insurance.

Parts of your insurance policy

Having a good grasp of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Coverage for collisions

This will pay to fix damage to your SL-Class resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, falling objects and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses like doctor visits, nursing services, funeral costs, dental work and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage


Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

In the end, you save

We covered a lot of ways to save on 2013 Mercedes-Benz SL-Class insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with a small mutual company. These smaller insurers often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

When shopping online for auto insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at an affordable rate.

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