Save on 1993 Mercedes-Benz 300-Class Insurance Quotes

Looking for better insurance coverage rates for your Mercedes-Benz 300-Class? High-priced insurance coverage can stress out your budget and force you to prioritize other expenses. Performing a rate comparison can be a smart way to tighten up your finances.

Online insurance companies like Progressive, Geico and Farmers Insurance constantly bombard you with ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

Car insurance companies offer lots of discounts

Some companies don’t list every discount in a way that’s easy to find, so below is a list both well-publicized as well as the least known credits that may apply to you.

• Safe Drivers – Safe drivers may save up to 50% more on 300-Class coverage as compared to drivers with claims.
• Student Discounts – Getting good grades can save 20 to 25%. Most companies allow this discount well after school through age 25.
• Discounts for Multiple Vehicles – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
• Memberships – Belonging to qualifying employment or professional organizations may earn a discount on your next renewal.
• Driver’s Ed – Require your teen driver to enroll and complete driver’s education in school.
• Resident Student – who are enrolled in a college that is more than 100 miles from home and do not take a car to college may qualify for this discount.

Don’t be shocked that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

A list of companies and the discounts they provide are:

• Farm Bureau may have discounts that include good student, youthful driver, 55 and retired, driver training, and safe driver.
• MetLife discounts include claim-free, multi-policy, good driver, accident-free, and defensive driver.
• Progressive offers premium reductions for online quote discount, homeowner, online signing, multi-policy, and good student.
• AAA may offer discounts for education and occupation, multi-policy, good student, anti-theft, good driver, and AAA membership discount.
• American Family may include discounts for good driver, TimeAway discount, early bird, accident-free, and defensive driver.
• Geico has savings for good student, multi-vehicle, seat belt use, military active duty, emergency military deployment, anti-theft, and multi-policy.
• State Farm policyholders can earn discounts including passive restraint, multiple autos, defensive driving training, Drive Safe & Save, driver’s education, and good student.

Double check with every insurance company which discounts you may be entitled to. Some credits might not apply in your area. If you would like to view car insurance companies who offer discounts, click here.

Buy insurance coverage online

When comparison shopping, there are several ways of comparing price quotes from insurance coverage companies in your area. One of the best ways to compare rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

Experts agree that the best way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing separate quote forms for each company you want a rate for. In just a few minutes this one form will get you price quotes from multiple low-cost companies.

A more difficult way to find more affordable insurance requires visiting the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s assume you want comparison quotes from Nationwide, Progressive and State Farm. You would need to navigate to each company’s site to enter your coverage information, which is not fast way to get rate quotes.

For a list of companies in your area, click here.

If you have time to kill, the last method to compare price quotes is driving around to each insurance agency near you. Comparing rates online reduces the need to sit down with an agent unless you have a need for the trained advice of a licensed agent. Drivers can find lower rates online but have a local agent actually write the policy.

Compare rates however you want, just make darn sure you compare the same coverages and limits on every price quote you get. If you compare different data you can’t possibly make an equal comparison. Quoting even small variations in coverages could throw off the whole comparison. It’s important to know that more quotes helps increase your odds of locating a better price.

Do I just need basic coverages?

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs could use an agent’s help.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• What are the financial responsibility laws in my state?
• What should my uninsured motorist coverage limits be in my state?
• Do I have coverage if my license is suspended?
• Am I covered if my car is in a flood?
• Where can I get insurance after a DUI in my state?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Coverage specifics

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from car insurance companies.

Coverage for liability – This can cover damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have 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 things such as legal defense fees, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hitting a bird, fire damage, damage from flooding and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, pain medications, prosthetic devices, surgery and chiropractic care. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverages – This coverage will pay to fix damage to your 300-Class caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Online plus local equals savings

Cheaper car insurance is possible both online and from local insurance agents, and you need to price shop both so you have a total pricing picture. Some companies may not have price quotes online and many times these smaller companies work with local independent agencies.

You just learned quite a bit of information on how to compare 1993 Mercedes-Benz 300-Class insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the best prices are with a lesser-known regional company. These smaller insurers often have lower rates on specific markets than their larger competitors like Allstate and Progressive.

Even more information can be found at these sites:

• Things to Know Before you Cancel Insurance (Allstate)
• Credit Impacts Car Insurance Rates (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)