Lower Your 2013 Mercedes-Benz SL-Class Insurance Rates

Want better car insurance rates for your Mercedes-Benz SL-Class? Trying to come up with a payment for pricey car insurance can bleed your savings account and put the squeeze on your family’s finances.

Big companies like Geico and Progressive promote their brand names with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

You need to check car insurance prices once or twice a year because car insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest premium rates on SL-Class insurance a few years ago you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because you’re going to learn how to use the internet to find better rates and still maintain coverage.

The best way we recommend to compare car insurance rates takes advantage of the fact most larger insurance companies provide online access to give free rates quotes. To start a quote, the only thing you need to do is take a few minutes to give details including whether or not you need a SR-22, level of coverage desired, how old drivers are, and your occupation. The data is sent automatically to many highly-rated insurers and they return rate quotes immediately.

To compare rates now, click here and enter the information requested.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

• When would I need additional glass coverage?
• Are my friends covered when driving my car?
• Am I covered if I break a side mirror?
• What is high-risk coverage and where do I buy it?
• Can I afford to buy a different vehicle if my 2013 Mercedes-Benz SL-Class is totaled?
• Is my teen driver covered when they drive my company car?
• Does my policy pay for OEM or aftermarket parts?
• Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Specific coverages for a Mercedes-Benz SL-Class

Learning about specific coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Coverage for liability

This can cover damage or injury you incur to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses such as hospital visits, prosthetic devices, dental work, ambulance fees and EMT expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Coverage for collisions

This will pay to fix damage to your SL-Class from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, damaging your car on a curb, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2013 Mercedes-Benz SL-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, hail damage, damage from getting keyed, a broken windshield and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.