2018 Mercedes-Benz SL-Class Insurance Quotes

Searching for better auto insurance rates for your Mercedes-Benz SL-Class? Locating better insurance prices for a Mercedes-Benz SL-Class could be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to buy auto insurance so you’re going to learn the proper way to get price quotes for a Mercedes-Benz and obtain the lowest possible price.

Pricing the best protection is not that difficult. If you have a policy now or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. Drivers just need to know the most effective way to shop online.

Take policy discounts and save

Auto insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that can dramatically reduce your bill. Some of these disounts will be visible at quote time, but a few must be specifically requested in order for you to get them. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

  • Paperwork-free – Certain companies will give you a small discount just for signing your application over the internet.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new vehicles are generally safer.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like Libery Mutual, GEICO and Allstate will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.
  • Student in College – Children who live away from home at college and don’t have a car may be insured at a cheaper rate.

As a sidenote, many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any qualifying discounts will definitely lower your policy cost.

Auto insurance companies that have most of the discounts above include:

Check with every company which discounts can lower your rates. All car insurance discounts may not be offered in your area. To see a list of providers that offer discounts, follow this link.

The easiest way to compare insurance rates from multiple companies is to know most of the larger companies provide online access to give you rate quotes. All consumers are required to do is give the companies some data such as your general credit rating, deductibles desired, how much you drive, and if a SR-22 is needed. Your details is instantly provided to multiple top-rated companies and they return cost estimate instantly to find the best rate.

If you would like to start a quote now, click here and see if a lower rate is available.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions could help you determine if you would benefit from professional advice.

  • When should I not file a claim?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I buy only the required minimum liability coverage?
  • When do I need to add a new car to my policy?
  • Does my insurance cover a custom paint job?
  • Why is insurance for a teen driver so high?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This 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 and also any damage incurred to your Mercedes-Benz SL-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like chiropractic care, dental work, prosthetic devices, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This protects you from damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, court costs, loss of income, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Collision protection

This covers damage to your SL-Class resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The maximum payout 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.

Get your money’s worth

People who switch companies do it for a variety of reasons including poor customer service, an unsatisfactory settlement offer, not issuing a premium refund and even lack of trust in their agent. Regardless of your reason for switching companies, switching companies is less work than it seems.

Cheaper 2018 Mercedes-Benz SL-Class insurance is possible on the web and with local insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some insurance coverage companies do not provide price quotes online and most of the time these smaller providers only sell coverage through independent agents.

As you quote car insurance, do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped physical damage coverage and discovered at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

Additional articles