2012 Mercedes-Benz SL-Class Insurance Rates – 8 Discounts for Best Quotes

Looking for the cheapest insurance rates for your Mercedes-Benz SL-Class? Finding the cheapest insurance for a Mercedes-Benz SL-Class can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time. There are both good and bad ways to find insurance online and we’ll show you the best way to price shop coverage for your Mercedes-Benz and get the best price possible either online or from local insurance agents.

You should take the time to do rate comparisons at least once a year because rates are constantly changing. Even if you think you had the lowest premium rates on SL-Class insurance on your last policy you can probably find a better price now. You can search a lot of insurance online, but I’m going to show you a lot of great tips on how to save money.

Finding the best rates is easy if you know what you’re doing. If you are insured now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Consumers only need an understanding of the most effective way to compare rates on the web.

Where can I get affordable insurance coverage?

Most major insurance companies such as GEICO, State Farm and Progressive allow consumers to get price estimates direct online. This process is very simple because it’s just a matter of typing in your coverage information on the page. After you complete the form, the quote system makes automated requests for information on your driving record and credit history and provides a quote based on the data you entered.

This simplifies rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to do this if you want to get lower prices.

There is an easier way!

A more efficient way to compare insurance coverage pricing uses one simple form to obtain quotes from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping much more enjoyable. As soon as the form is sent, it is quoted and you can choose any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and may result in a nice savings.

In order to compare rates now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate the limits and deductibles identical to your current policy. This helps ensure you will have a price comparison based on similar coverages.

Take advantage of with these eight discounts

Companies offering auto insurance don’t always advertise the entire discount list in a way that’s easy to find, so below is a list some of the more common and also the lesser-known credits available to bring down your rates.

  • No Claim Discounts – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
  • Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a lower price if you buy some life insurance in addition to your auto policy.
  • Paper-free Discount – A handful of companies will discount your bill up to fifty bucks get car insurance over the internet.
  • Bundle and Save – If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.
  • Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • One Accident Forgiven – This one is not really a discount per se, but certain companies permit an accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
  • Passenger Safety Discount – Vehicles equipped with air bags can receive discounts of 25 to 30%.
  • Telematics Data – Drivers who elect to allow companies to spy on driving manner remotely such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Some of the insurance companies who might offer most of the discounts above possibly include:

If you are trying to find cheap car insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to choose from a list of insurance companies with the best discounts, follow this link.

Your situation helps dictate your coverage

When buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

For example, these questions might help in determining if you would benefit from professional advice.

  • Are rental cars covered under my policy?
  • Does liability extend to a camper or trailer?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my teen driver be rated on a liability-only vehicle?
  • How can I force my company to pay a claim?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Insurance policy coverages for a Mercedes-Benz SL-Class

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments – Med pay and PIP coverage reimburse you for immediate expenses like nursing services, dental work and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane, falling objects and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, medical expenses, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This coverage will pay to fix damage to your SL-Class resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, damaging your car on a curb, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.