2006 Mercedes-Benz SLK-Class Insurance Quotes – 8 Tricks for Cheaper Rates

Trying to find lower insurance coverage rates for your Mercedes-Benz SLK-Class? If you’re looking for lower-cost insurance online, are you frustrated by the sheer number of insurance coverage companies in your area? Consumers have such a large number of options that it can be a chore to find the best prices.

It’s a good idea to get comparison quotes every six months because insurance coverage rates trend upward over time. Even if you think you had the best rate for SLK-Class insurance two years ago there is a good chance you can find better prices now. Ignore everything you know about insurance coverage because you’re about to find out one of the best ways to eliminate unnecessary coverages and save money.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. This article will familiarize you with how car insurance quotes work and some tips to save money. Although drivers can benefit by having an understanding of the way insurance companies sell online and apply this information to your search.

Cheapest auto insurance quotes

The majority of larger companies such as Geico, State Farm and Progressive make it easy to get prices for coverage direct online. Getting prices online is very simple as you simply enter as requested by the quote form. Upon sending the form, the system obtains reports for credit and driving violations and generates pricing information.

Being able to quote online makes it simple to compare prices but the time it takes to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s necessary to perform this step if you want to find the lowest price.

The quickest way to locate the lowest prices uses one simple form that gets prices from several different companies. The form is fast, reduces the work, and makes comparison shopping much easier to do. Once the form is submitted, it gets priced and you are able to buy your choice of the quote results. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.

If you want to compare pricing, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you complete the form with identical to your current policy. This way, you’re receiving a rate comparison using the exact same coverages.

Are you getting every discount?

Insuring your fleet can be pricey, but there could be significant discounts that many people don’t even know exist. Many discounts should be triggered at the time of quoting, but some discounts are required to be inquired about before they will apply.

  • Resident Student – Children who are enrolled in higher education away from home and do not have a car may qualify for this discount.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save a little on the premium charged for medical payments and/or PIP.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some companies like State Farm, Progressive and Geico will allow you to have one accident without the usual rate increase if you have no claims for a specific time period.
  • Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on your bill.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for SLK-Class insurance than drivers with accidents.
  • Life Insurance – Larger insurance companies have a discount if you purchase life insurance.
  • Save with a New Car – Buying insurance coverage on a new vehicle is cheaper because new vehicles are generally safer.

We need to note that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you can get free auto insurance, nobody gets a free ride.

The best insurance companies and a partial list of their discounts are outlined below.

  • State Farm may offer discounts for passive restraint, accident-free, anti-theft, multiple autos, safe vehicle, and good driver.
  • Nationwide may have discounts that include defensive driving, accident-free, good student, family plan, and multi-policy.
  • Geico offers premium reductions for air bags, seat belt use, driver training, anti-lock brakes, defensive driver, and five-year accident-free.
  • AAA may include discounts for AAA membership discount, anti-theft, multi-car, education and occupation, and pay-in-full.
  • 21st Century has discounts for 55 and older, early bird, teen driver, defensive driver, and homeowners.
  • The Hartford includes discounts for bundle, vehicle fuel type, good student, driver training, and air bag.

If you want cheap auto insurance quotes, ask each company which discounts you qualify for. Some discounts listed above may not apply in every state. To choose insurance companies that offer many of these discounts, click this link.

When in doubt talk to an agent

When it comes to choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

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

  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover a custom paint job?
  • When should I buy a commercial auto policy?
  • Is extra glass coverage worth it?
  • Should I buy full coverage?
  • Do I benefit by insuring my home with the same company?
  • Am I better off with higher deductibles on my 2006 Mercedes-Benz SLK-Class?
  • Does coverage extend to my business vehicle?
  • Is my dog or cat covered if injured in an accident?
  • How does medical payments coverage work?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Learn about insurance coverages for a 2006 Mercedes-Benz SLK-Class

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Mercedes-Benz SLK-Class.

Because many people only purchase the least amount of liability that is required, 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.

Coverage for liability

This provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, structural damage and bail bonds. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for prosthetic devices, hospital visits, surgery and pain medications. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays for damage to your SLK-Class resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, damage from getting keyed and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

What is YOUR best insurance company?

We just presented many tips how you can shop for 2006 Mercedes-Benz SLK-Class insurance online. The key concept to understand is the more price quotes you have, the higher your chance of finding low cost auto insurance. Consumers may even find the most savings is with some of the smallest insurance companies.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. In many cases, an accident victim reduced liability coverage limits and learned later they didn’t purchase enough coverage. Your goal should be to buy enough coverage at a price you can afford, but do not skimp to save money.

Affordable 2006 Mercedes-Benz SLK-Class insurance is available online and also from your neighborhood agents, so you need to shop auto insurance with both to have the best rate selection. There are still a few companies who do not offer rates over the internet and usually these small, regional companies sell through independent insurance agents.

Additional detailed information is located in these articles:

Comments About 2006 Mercedes-Benz SLK-Class Insurance

  1. Marcelo Weiss

    I think I’m paying too much. From a town just southwest of Tucson, AZ. Quoted prices from 21st Century, AAA, and Encompass for my 2006 Mercedes-Benz SLK-Class and saved just over $280 a year. Was with AAA. Have an at-fault accident tho.

  2. Donnie Fitzpatrick

    Will Progressive do a SR22 in Ohio?

  3. Junita Patton

    Quoted with Hartford for my 2006 Mercedes-Benz SLK-Class and am saving around $180 a year. I used their online quote form to compare rates.

  4. Tanner Raymond

    Why are claims settled so low?

  5. Grazyna Russell

    Here’s my info. I’m in the suburbs of Great Falls, Montana. Compared rates from a lot of places. Saved right around $70 a month. State Farm was the most affordable for me. Hopefully won’t need it. They offer free online rate quotes.

  6. Cherrie Douglas

    If you’re a decent driver and live around Overland Park, KS, check out Allstate. I saved quite a bit. Left GMAC to switch. Just waiting to see how claims go.

  7. Bula Osborne

    From a town just southwest of New Haven, CT. I quoted with Auto-Owners, Safeco, and Western Auto Insurance for my 2006 Mercedes-Benz SLK-Class and I’m now saving $33 a month. I have a couple other vehicles on the policy.

  8. Charles Norton

    All companies are crooks. I’m just south of Reno, NV. Quoted quotes with American Family, Eastwood, and Sentry for my SLK-Class and saved about $340 a year. Was with Allstate. Have a couple speeding tickets too.

  9. Loni Snyder

    Does GEICO insure at replacement cost?

  10. Jarrod Stone

    Cheap is relative. I live east of Paterson, NJ. Received quotes with 21st Century, Esurance, and The General for my 2006 Mercedes-Benz SLK-Class and I think I am saving around $40 each month. I have a teen driver too.

  11. Sarina Wilkerson

    I live just outside Spokane, WA. I don’t recall every quote but I ended up saving about $40 each month.

  12. Jeremy Bush

    I’m in Nampa, ID. Got quotes with GEICO, The General, and Erie for my 2006 Mercedes-Benz SLK-Class and I think I saved about $70 each month.

  13. Margareta Chapman

    If you have a clean record and are close to Seattle, Washington, check out State Farm. They seem to be cheaper.

  14. Fabiola Suarez

    I can’t pay high rates. I’m in the suburbs of Charlotte, NC. I quoted with AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my Mercedes-Benz and I think I saved around $50 each month.

  15. Freddie Acevedo

    If you’re a decent driver and are close to Frederick, MD, check out State Farm. You might save some money. Was with Safeco. Might find lower rates online.

  16. Glennis Kline

    I got a good deal I think. I live in a small town just outside of Dallas, TX. Can’t remember who all I quoted but I ended up saving about $50 each month. Have an at-fault accident tho. I used their website to get prices.