2006 Mercedes-Benz SL-Class Car Insurance Quotes – 9 Policy Discounts

Buyers have options when searching for the best price on Mercedes-Benz SL-Class insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to make rate comparisons. There are more efficient ways to buy auto insurance so we’re going to tell you the quickest way to price shop coverage for a new or used Mercedes-Benz and get the lowest possible price from both online companies and local agents.

It’s a good idea to compare rates every six months since insurance prices go up and down regularly. If you had the lowest price for SL-Class coverage a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the best methods to find better rates and still maintain coverage.

If you have insurance now or are looking for a new policy, you can learn to get lower rates while maintaining coverages. This article will tell you how to get online quotes. Consumers only need an understanding of how to find the lowest price over the internet.

Don’t miss these nine discounts

Car insurance companies don’t always list their entire list of discounts very well, so we researched a few of the more common and also the more inconspicuous discounts that you may qualify for.

• Bundled Policy Discount – If you can bundle your home and auto insurance with the same insurance company you may earn over 10 percent off each policy depending on the company.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.
• Save with More Vehicles Insured – Buying a policy with all your vehicles on a single policy can reduce the rates for all insured vehicles.
• Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease for SL-Class coverage but check with your company.
• Early Switch Discount – Some insurance companies give discounts for signing up before your current expiration date. You may see this discount when you get car insurance quotes online.
• Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
• Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts compared to drivers who are more careless.
• Discount for New Cars – Buying a new car instead of a used car can save you some money since new model year vehicles have better safety ratings.
• Driving Data Discount – Drivers who elect to allow driving data collection to monitor driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they show good driving skills.

Remember that some of the credits will not apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.

A few popular companies and a summarized list of policyholder discounts can be found below.

• State Farm offers discounts including multiple policy, Drive Safe & Save, good student, defensive driving training, and anti-theft.
• Nationwide policyholders can earn discounts including anti-theft, easy pay, Farm Bureau membership, multi-policy, family plan, defensive driving, and business or organization.
• Geico has discounts for multi-policy, military active duty, defensive driver, five-year accident-free, air bags, membership and employees, and daytime running lights.
• AAA offers discounts for multi-policy, good driver, pay-in-full, education and occupation, AAA membership discount, and multi-car.
• 21st Century may offer discounts for student driver, 55 and older, air bags, theft prevention, good student, anti-lock brakes, and automatic seat belts.
• The Hartford may include discounts for defensive driver, anti-theft, vehicle fuel type, air bag, good student, and bundle.

When quoting, ask every insurance company which discounts you may be entitled to. All car insurance discounts might not be offered on policies everywhere.

How to get free car insurance quotes online

There are a variety of methods to compare car insurance prices but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use online quotes to get the quickest rates.

Many popular insurance companies participate in an industry program where insurance shoppers complete one form, and every company can provide price quotes for coverage. This prevents consumers from doing quotation requests for every car insurance company.

To participate in this free quote system, click here to start a free quote.

The one downside to pricing coverage this way is you don’t know exactly the providers you want pricing from. So if you prefer to pick individual companies to compare, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

Compare rates however you want, just try to use identical coverages on every price quote you get. If your comparisons have different liability limits it will be very difficult to make an equal comparison.

Special considerations

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions may help you determine whether your personal situation might need professional guidance.

• Does insurance cover damages from a DUI accident?
• Should I carry comprehensive and collision coverage?
• What are the best liability limits?
• Will filing a claim cost me more?
• Do I need higher collision deductibles?
• When should I drop full coverage on my 2006 Mercedes-Benz SL-Class?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision – This pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like EMT expenses, hospital visits, nursing services, rehabilitation expenses and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability coverages – This coverage provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family 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. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, a broken windshield, a tree branch falling on your vehicle and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage on a shoestring budget

You just read a lot of information how to reduce 2006 Mercedes-Benz SL-Class insurance rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding low cost car insurance. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

As you quote car insurance, it’s not a good idea to reduce needed coverages to save money. There have been many cases where someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Consumers change insurance companies for many reasons like unfair underwriting practices, questionable increases in premium, extreme rates for teen drivers and an unsatisfactory settlement offer. It doesn’t matter what your reason, switching companies is actually quite simple.

Even more information can be found at these sites:

• Credit Impacts Car Insurance Rates (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• How to Avoid Staged Accidents (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Comprehensive Coverage (Liberty Mutual)