Cheap 2012 Mercedes-Benz SL-Class Car Insurance Quotes

Searching for better insurance coverage rates for your Mercedes-Benz SL-Class? Shopping for more affordable insurance coverage on the internet can appear to be somewhat intimidating for vehicle owners who are beginners to quoting and comparing rates over the internet. With dozens of insurers available, how can anyone have a chance to compare each option to find the cheapest price possible?

You need to take a look at other company’s rates periodically because insurance coverage prices are rarely the same from one policy term to another. Even if you think you had the best rates for SL-Class insurance two years ago there may be better deals available now. Block out anything you think you know about insurance coverage because we’re going to show you the right way to properly buy coverages and cut your premium.

Quote auto insurance online

Most major insurance companies allow consumers to get prices for coverage directly from their websites. Getting online rates is pretty easy as you just type in your required coverages on the page. When the form is submitted, their system sends out for your credit score and driving record and returns pricing information.

This helps simplify price comparisons, but the time required to go to different websites and type in the same information gets old quite quickly. Unfortunately, it is important to perform this step if you want to get a better rate.

An easier way to find lower prices uses one simple form to get prices from several different companies. The form is fast, requires less work, and makes online shopping much simpler. As soon as you send your information, it is rated and you can choose any one of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process takes just a few minutes to complete and can result in significant savings.

To quickly compare pricing, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended that you enter the coverage information just like they are on your policy. This helps ensure you will have comparison quotes based on the exact same insurance coverage.

The largest companies are not always cheapest

Popular auto insurance providers such as Allstate, Geico and Progressive consistently run television, radio, and online ads. All the companies seem to make the promise that drivers will save a bundle if you move to them. How does each company say the same thing? You have to listen carefully.

All companies have strict underwriting profiles for the type of driver that will generate a profit. For instance, a driver they prefer may be between the ages of 40 and 55, has a clean driving record, and has a high credit rating. Any driver who matches those parameters will probably get cheap prices and have a good chance to cut their rates if they switch.

People who do not fit the ideal profile may be required to pay a more expensive rate which leads to the customer buying from a different company. The ads say “customers that switch” not “all people who quote” can save as much as they claim. This is how companies can claim big savings.

This emphasizes why it’s extremely important to do a price quote comparison at every renewal. It is impossible to predict which auto insurance company will give you lower rates than your current company.

More affordable rates with these discounts

Car insurance is expensive, but you may be missing some discounts that may help make it more affordable. Many discounts should be triggered at the time you complete a quote, but some discounts are required to be inquired about before you will receive the discount.

• Mature Driver Discount – Older drivers are able to get a small discount on rates for SL-Class insurance.
• Braking Control Discount – Cars and trucks with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
• Discounts for Multiple Vehicles – Buying coverage for multiple cars with the same company can reduce the rates for all insured vehicles.
• Low Mileage Discounts – Driving fewer miles may allow you to get better rates on cars that stay parked.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
• Discounts for New Vehicles – Adding a new car to your policy may earn a small discount compared to insuring an older model.
• Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of 20 to 30 percent.
• Telematics Discount – Insureds who allow their car insurance company to track vehicle usage by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount should definitely cut your policy premiums.

Some of the larger companies that may offer quotes with these benefits may include but are not limited to:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When getting free insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts may not be available in your area.

Auto insurance can be complex

When buying adequate coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

• How much can I save by bundling my policies?
• Do I need PIP coverage since I have good health insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Will my rates increase for filing one claim?
• Am I covered when pulling a rental trailer?
• I have a DUI can I still get coverage?
• Am I covered when using my vehicle for business?
• When can my company non-renew my policy?
• What are the financial responsibility laws in my state?
• What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverages explained

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as doctor visits, nursing services, prosthetic devices, chiropractic care and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

This pays for damage to your SL-Class resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with a tree, hitting a parking meter, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, pain and suffering and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Saving money is sweet as honey

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There have been many situations where someone sacrificed collision coverage only to discover later that the savings was not a smart move. Your objective should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Drivers who switch companies do it for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, policy cancellation and delays in paying claims. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

We just covered some good ideas how to lower your 2012 Mercedes-Benz SL-Class insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. Drivers may discover the best price on insurance is with the least-expected company.

Additional information is available on the following sites:

• Information for Teen Drivers (Geico)
• Cellphones, Texting and Driving (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)