2017 Mercedes-Benz SL-Class Car Insurance Cost

Trying to find better insurance coverage rates for your Mercedes-Benz SL-Class? Getting the most affordable insurance coverage might seem somewhat intimidating for vehicle owners not familiar with comparing rates over the internet. When there are so many insurers available, how can drivers even start to compare every one to find better prices?

Affordable insurance quotes online

Effectively comparing insurance prices can take time and effort if you don’t understand the most efficient way. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quoting for quick rates.

Most car insurance companies participate in an industry program that enables customers to send in one quote, and each company then returns a price quote determined by their information. This prevents consumers from doing repetitive form submissions to each individual insurance company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to using this type of system is you cannot specify which carriers you want to price. If you wish to select specific providers to compare, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, make sure you are using identical coverage data for every company. If you use different liability limits then you won’t be able to find the best deal for your Mercedes-Benz SL-Class. Just slight variations in coverage limits can mean a large discrepancy in price. And when comparing insurance rates, know that comparing a wide range of rates will improve the odds of getting the best rates.

Discounts to earn cheaper insurance coverage rates

Auto insurance companies do not advertise every discount they offer in a way that’s easy to find, so the following list contains both the well known and the more hidden credits that you can use to lower your rates.

• One Accident Forgiven – Not necessarily a discount, but some insurance companies permit an accident without raising rates if your claims history is clear for a certain period of time.
• Switch and Save Discount – Select companies give a discount for buying a new policy prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
• Low Miles Discount – Keeping the miles down on your Mercedes-Benz could be rewarded with lower prices on the low mileage vehicles.
• ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• Multiple Policy Discount – When you have multiple policies with one insurance company you may save nearly 15% which can help you find inexpensive car insurance.
• Driving Data Discount – Drivers who agree to allow data collection to analyze where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they have good driving habits.
• Discounts for New Vehicles – Buying insurance coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
• Accident-Free Discounts – Claim-free drivers pay less compared to policyholders that have many claims.
• Military Discounts – Being deployed in the military can result in better prices.
• Anti-theft Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.

You should keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. Any qualifying discounts will cut your policy premiums.

Insurance companies that have these discounts may include but are not limited to:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

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

What determines Mercedes-Benz SL-Class insurance costs?

Smart consumers have a good feel for some of the factors that come into play when calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that may result in lower rates.

• Pleasure use saves money – The more you drive in a year the higher your rates will be. A lot of companies rate vehicles determined by how the vehicle is used. Autos not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Verify your insurance policy is showing annual mileage. Having the wrong rating on your SL-Class is throwing money out the window.
• Big city or small town – Choosing to live in a small town has definite advantages when talking about insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities tend to have congested traffic and more severe claims. More time on the road means higher likelihood of an accident.
• Driving citations inflate rates – Even one ticket can increase the cost of insurance twenty percent or more. Careful drivers tend to pay less for car insurance than their less careful counterparts. People who have dangerous violations like reckless driving or DUI may find they need to maintain a SR-22 with their state DMV in order to legally drive.
• Experienced drivers are lower risk – Older drivers are shown to be more cautious, cost insurance companies less in claims and tend to be get fewer driving tickets.Youthful drivers are statistically proven to get distracted easily when at the wheel of a vehicle so insurance rates are higher.
• Occupation and insurance insurance rates – Careers like lawyers, business owners and financial analysts have higher average rates attributed to intense work situations and lots of time spent away from family. Conversely, careers such as scientists, engineers and homemakers generally pay rates lower than average on SL-Class insurance.
• Choose high IIHS safety ratings and save – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles protect occupants better and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Mercedes-Benz SL-Class has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation might need professional guidance.

• Is a new car covered when I drive it off the dealer lot?
• Which is better, split liability limits or combined limits?
• Do I need motorclub coverage?
• Does my policy cover my teen driver if they drive my company car?
• When should I drop full coverage on my 2017 Mercedes-Benz SL-Class?
• Is a blown tire covered by insurance?
• How can I force my company to pay a claim?
• Can my babysitter drive my car?
• Am I better off with higher deductibles on my 2017 Mercedes-Benz SL-Class?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverages for a 2017 Mercedes-Benz SL-Class

Having a good grasp of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as pain and suffering, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills like surgery, nursing services, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, theft, damage from getting keyed, fire damage and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

Collision coverage will pay to fix damage to your SL-Class resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, damaging your car on a curb, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Stretch your dollar

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced collision coverage and learned later that they should have had better coverage. Your objective should be to purchase plenty of coverage at the best cost, but do not skimp to save money.

We just presented quite a bit of information on how to save on 2017 Mercedes-Benz SL-Class insurance. It’s most important to understand that the more you quote car insurance, the better likelihood of getting inexpensive car insurance. Drivers may discover the best prices are with an unexpected company.

Drivers leave their current company for a number of reasons such as high rates after DUI convictions, denial of a claim, not issuing a premium refund or high prices. Regardless of your reason for switching companies, finding the right auto insurance provider is not as difficult as it may seem.

More detailed auto insurance information is located by following these links:

• Safety Features for Your New Car (State Farm)
• Learn About Car Insurance (Geico)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• What is Gap Insurance? (Insurance Information Insitute)