Lower Your 1991 Mercedes-Benz 350-Class Car Insurance Quotes

Shoppers have many options when shopping for the lowest priced Mercedes-Benz 350-Class insurance. They can either waste time contacting agents to compare prices or utilize the internet to find the lowest rates. There are more efficient ways to buy insurance coverage and we’ll show you the quickest way to get price quotes for your Mercedes-Benz and obtain the best price possible from both online companies and local agents.

It’s a good habit to do rate comparisons before your next renewal because rates change regularly. Despite the fact that you may have had the best rate on 350-Class insurance on your last policy the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because I’m going to teach you one of the quickest ways to find lower rates on insurance coverage.

Learn how to get insurance coverage for less

Lots of things are considered when you get a price on insurance. Most are fairly basic like your driving record, but some are less obvious such as your credit history or your commute time.Part of the insurance coverage buying process is learning a few of the rating criteria that come into play when calculating insurance coverage rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find much lower annual insurance costs.

• More traffic equals higher rates – Residing in less populated areas is a positive aspect when shopping for auto insurance. City drivers have to deal with congested traffic and longer commutes to work. Fewer people means reduced accidents in addition to lower liability claims
• Men pay higher premiums – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean females are better drivers. Both sexes are responsible for fender benders in similar percentages, but men have costlier accidents. They also receive more costly citations like driving under the influence (DUI). Young males are most likely to cause an accident and are penalized with high insurance coverage rates.
• Prevent insurance coverage lapses – Going without insurance will be a fast way to pay more for insurance coverage. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a steep fine or even jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Annual miles is a factor – Driving a lot of miles every year the higher your rate. Most companies calculate rates based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Double check that your policy states the correct usage for each vehicle. Having an incorrect usage rating on your 350-Class may be wasting your money.
• Adjust physical damage deductibles and save – Protection for physical damage, aka comp and collision, is used to repair damage to your Mercedes-Benz. Some instances where coverage would apply could be collision with another vehicle, collision with an animal, and having your car stolen. Comp and collision deductibles tell how much you are willing to pay out-of-pocket if the claim is covered. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for insurance coverage on 350-Class insurance.
• Frequent insurance coverage claims will cost more – If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies generally give the best rates to drivers that do not abuse their auto insurance. Your insurance policy is intended for the large, substantial claims.
• Traffic violations hurt – Being a careful driver has a lot to do with how much you pay for insurance. Even one moving violation can bump up the cost substantially. Careful drivers get better rates compared to bad drivers. Drivers unfortunate enough to have dangerous tickets such as DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.
• Liability insurance risk factors in – Liability insurance will protect you in the event that you are determined to be liable for causing personal injury or damage in an accident. It provides legal defense which can cost a lot. Liability insurance is pretty cheap compared to other policy coverages, so drivers should carry high limits.

How to compare insurance rate quotes

There are a variety of methods to compare insurance prices and some are less time-consuming than others. You can waste hours talking to local insurance agents in your area, or you could save time and use the web to achieve your goal.

All the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and each participating company returns a competitive quote based on that data. This eliminates the need for form submissions to each company.

To compare rates using this form now click here (opens in new window).

One minor caviat to getting quotes like this is you cannot specify the providers you want to price. So if you prefer to choose individual companies to request quotes from, we have a listing of companies who write insurance in your area. Click here to view list.

Whichever way you use, ensure you’re using the exact same coverages on every quote. If you have differing limits it will be next to impossible to make a fair rate comparison.

Do drivers who switch really save?

Drivers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Geico, Allstate and State Farm. All the ads advertise claims that drivers will save a bundle if you move your policy.

How can each company charge lower premium rates? You have to listen carefully.

Companies are able to cherry pick for the type of driver that will most likely be profitable. For example, a preferred risk should be a married female, has never had a policy lapse, and drives newer vehicles. Anybody that hits that “sweet spot” will probably get the lowest premium rates and is almost guaranteed to save some money.

Insureds who do not match this stringent profile may be forced to pay higher prices and ends up with the customer not buying. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” will save that much if they switch. That’s why companies can advertise the savings. This really emphasizes why you really need to compare rate quotes every year. It is just not possible to predict which car insurance company will have the lowest prices for your situation.

Verify you’re receiving every discount

Some insurance providers don’t always list all disounts in an easy-to-find place, so the list below contains some of the best known as well as some of the hidden credits available to bring down your rates.

• Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
• Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
• Savings for New Vehicles – Buying a new car instead of a used car can save you some money compared to insuring an older model.
• Claim Free – Good drivers with no accidents pay much less when compared with policyholders that have many claims.
• Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Policy Bundle Discount – If you insure your home and vehicles with the same insurance company you could save up to 20% off your total premium.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
• Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts as much as 30%.
• Senior Citizens – Seniors can get better insurance rates on 350-Class insurance.

Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, it just doesn’t work that way.

Popular insurance companies and their possible discounts are detailed below.

• Progressive has savings for multi-policy, homeowner, good student, continuous coverage, online quote discount, multi-vehicle, and online signing.
• SAFECO may include discounts for teen safe driver, multi-car, homeowner, safe driver, and anti-theft.
• American Family may have discounts that include air bags, good driver, defensive driver, accident-free, and multi-vehicle.
• MetLife may offer discounts for multi-policy, claim-free, good student, defensive driver, accident-free, and good driver.
• Geico offers discounts including membership and employees, military active duty, anti-lock brakes, defensive driver, good student, and five-year accident-free.
• The Hartford has discounts for good student, bundle, anti-theft, air bag, defensive driver, and driver training.

When quoting, ask each insurance company which discounts you may be entitled to. Some discounts listed above might not be offered on policies in every state.

When should I discuss my situation with an agent?

When choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• I have good health insurance, so how much medical payments coverage do I need?
• Do I need added coverage for expensive stereo equipment?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How much can I save by bundling my policies?
• Do I need more liability coverage?
• Do I need motorclub coverage?
• Does my personal policy cover me when driving out-of-state?
• When would I need additional glass coverage?
• Am I covered when using my vehicle for business?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Information about specific coverages

Having a good grasp of a insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, a broken windshield, a tree branch falling on your vehicle, hitting a bird and falling objects. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz 350-Class.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses for hospital visits, dental work and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability

Liability coverage can cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as medical services, pain and suffering, structural damage, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but buy as high a limit as you can afford.

The bottom line

Affordable 1991 Mercedes-Benz 350-Class insurance is possible from both online companies as well as from independent agents, so you need to quote car insurance with both in order to have the best chance of saving money. Some companies may not have the ability to get a quote online and many times these smaller providers prefer to sell through independent agents.

When trying to cut insurance costs, do not buy less coverage just to save a little money. In many instances, someone sacrificed liability limits or collision coverage only to regret that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Throughout this article, we presented many ideas to shop for 1991 Mercedes-Benz 350-Class insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest rates are with the least-expected company.

To learn more, feel free to browse the articles below:

• Your Car has been Stolen: Now What? (Allstate)
• Alcohol Impaired Driving FAQ (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Safety Features for Your New Car (State Farm)