2015 Mercedes-Benz SL-Class Insurance Rates – 5 Policy Discounts

Nobody I know likes having to buy car insurance, especially when they are aware that the cost is way too high. Lots of car insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest price

Consumers need to compare rates at least once a year since insurance prices change regularly. Despite the fact that you may have had the lowest rate on SL-Class insurance at your last renewal you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the fastest and easiest way to lower your rates without sacrificing coverage.

If you are insured now or need new coverage, you can use this information to reduce the price you pay while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to learn the most efficient way to get comparison rates on the web.

Cheapest insurance quotes

Most companies make it easy to get prices for coverage direct online. Getting online rates is fairly simple because it’s just a matter of typing in your required coverages as requested by the quote form. When complete, the quote system will obtain your credit score and driving record and returns a price based on these and other factors. Being able to quote online makes it simple to compare prices but having to visit multiple sites and type in the same data gets old quite quickly. But it’s also necessary to perform this step if you are searching for the best price possible.

There is an easier way!

A less time-consuming method to lower your insurance bill utilizes a single form that obtains quotes from many companies. It saves time, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any one of the resulting price quotes. If you find a better price you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and compare rates using this form now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you enter coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting rate quotes based on similar coverages.

Don’t overlook these five insurance coverage discounts

Not many people think insurance is cheap, but you may find discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you get a quote, but some discounts are required to be specially asked for before you get the savings.

• Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on SL-Class insurance than their less cautious counterparts.
• ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
• Accident Forgiveness – This isn’t a discount exactly, but certain companies will allow you to have one accident before they charge you more for coverage if you are claim-free before the accident.
• Telematics Data Discounts – Drivers who elect to allow their insurance company to spy on driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they have good driving habits.
• Driver Training Discounts – Taking part in a course in driver safety could earn you a small percentage discount and easily pay for the cost of the class.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower your overall bill.

A partial list of companies that have some of the discounts shown above include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

Before you buy a policy, ask all the companies which discounts can lower your rates. Some credits might not be offered on policies in your area. For a list of insurance coverage companies that can offer you the previously mentioned discounts, follow this link.

When to get professional advice

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

• Should I carry comprehensive and collision coverage?
• What if I total my 2015 Mercedes-Benz SL-Class and owe more than it’s worth?
• How high should my uninsured/underinsured coverage be in my state?
• Do I need added coverage for expensive stereo equipment?
• Does medical payments coverage apply to all occupants?
• Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about insurance coverages

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for ambulance fees, pain medications, chiropractic care, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like funeral expenses, emergency aid, attorney fees, medical services and bail bonds. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, vandalism and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mercedes-Benz SL-Class.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision – This coverage will pay to fix damage to your SL-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, hitting a mailbox, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.