2013 Mercedes-Benz SL-Class Car Insurance Rates

Searching for lower auto insurance rates for your Mercedes-Benz SL-Class? Locating low-cost insurance for a Mercedes-Benz SL-Class could be a lot of work, but you can use these tips and make it easy. There is a better way to buy auto insurance so you’re going to learn the proper way to compare rates for a Mercedes-Benz and obtain the best price possible from local insurance agents and online providers.

If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Pricing the best coverage is quite easy. Consumers just need to know the proper way to get comparison quotes over the internet.

How to get cheap car insurance

Comparing car insurance rates can be exhausting if you don’t utilize the most efficient way. You could waste time talking about coverages with local insurance agents in your area, or you can utilize online quotes to get the quickest rates.

Most car insurance companies participate in a marketplace that enables customers to send in one quote, and each company provides a quote for coverage. This system prevents you from having to do form submissions for each company.

To enter your information into the quoting system, click here to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to choose individual companies to receive pricing from, we put together a list of companies who write car insurance in your area. View list of insurance companies.

Take whichever approach you prefer, but double check that you are using identical quote information on every price quote you get. If your comparisons have different deductibles you will not be able to make a fair rate comparison.

Discounts for affordable insurance rates

Some insurance providers don’t always advertise every discount very well, so here is a list some of the best known and also the more inconspicuous discounts that you may qualify for. If they aren’t giving you every credit possible, you could be saving more on your insurance.

Discount for Home Ownership – Just owning your own home may trigger a policy discount on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
ABS Braking Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
Mature Driver Discount – Mature drivers can get better insurance rates on SL-Class coverage.
Pay Early and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
Discount for Good Grades – Excelling in school can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
Switch and Save Discount – Some insurance companies provide a discount for switching policies prior to your current policy expiration. You can save around 10% with this discount.
Accident-Free Discounts – Drivers who don’t have accidents pay much less in comparison with policyholders that have many claims.
Active Service Discounts – Being on active deployment in the military could be rewarded with lower prices.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A list of insurance companies and a summarized list of policyholder discounts are included below.

GEICO has savings for air bags, multi-policy, anti-lock brakes, anti-theft, and seat belt use.
Auto-Owners Insurance offers discounts including multi-policy, company car, mature driver, anti-lock brakes, safe driver, and safe vehicle.
American Family may include discounts for good driver, early bird, Steer into Savings, good student, bundled insurance, and defensive driver.
Esurance includes discounts for emergency road assistance, good driver, multi-policy, anti-theft, and multi-car.
Progressive may offer discounts for good student, multi-policy, online quote discount, online signing, homeowner, and continuous coverage.
State Farm offers premium reductions for passive restraint, defensive driving training, Drive Safe & Save, driver’s education, Steer Clear safe driver discount, multiple policy, and multiple autos.
AAA has discounts for pay-in-full, anti-theft, education and occupation, multi-policy, good student, and multi-car.

Before you buy a policy, ask each company how you can save money. Some discounts listed above may not be offered in your area. To view insurers that offer many of these discounts, click here to view.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

Does insurance cover damages from a DUI accident?
What if I owe more than I can insure my car for?
Where can I find high-risk insurance?
Why am I required to buy liability insurance?
Do I pay less if my vehicle is kept in my garage?
Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage specifics

Learning about specific coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability

Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like funeral expenses, structural damage, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision coverage

Collision coverage pays for damage to your SL-Class resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass, vandalism and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for ambulance fees, prosthetic devices, surgery, hospital visits and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage