1990 Mercedes-Benz 350-Class Car Insurance Quotes – 10 Tips for Best Rates

Looking for better insurance coverage rates for your Mercedes-Benz 350-Class? Finding better insurance prices for a Mercedes-Benz 350-Class can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to save time.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the proper way to get price quotes for your Mercedes-Benz and obtain the best price possible.

It’s important to get comparison quotes on a regular basis because insurance rates are constantly changing. Just because you had the lowest price on 350-Class coverage a year ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out the easiest way to find great coverage at a great price.

Discounts are basically free money

Insuring your vehicles can cost a lot, but companies offer discounts to cut the cost considerably. Most are applied at the time of quoting, but some may not be applied and must be inquired about before being credited. If you don’t get every credit available, you are throwing money away.

  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% on 350-Class coverage.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on 350-Class coverage than less cautious drivers.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, you won’t be that lucky. Any amount of discount will help reduce your premiums.

For a list of companies with discount insurance coverage rates, follow this link.

Which insurance is the “right” coverage?

When choosing adequate coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your insurance needs may require specific advice.

  • Do I need motorclub coverage?
  • Am I getting all the discounts available?
  • Should I get collision insurance on every vehicle?
  • Is my nanny covered when driving my vehicle?
  • What happens if I owe more than my 1990 Mercedes-Benz 350-Class is worth?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Drivers who switch save $449 a year? Really?

Consumers can’t get away from ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. All the ads say the same thing of big savings after switching your coverage to them.

How can each company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the type of customer that earns them a profit. A good example of a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any driver who matches those parameters receives the best rates and most likely will save a lot of money.

Potential insureds who fall outside the requirements will be quoted a more expensive rate which usually ends up with business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently advertise the savings.

This emphasizes why you need to get as many quotes as possible. It’s just too difficult to predict which insurance company will have the lowest Mercedes-Benz 350-Class insurance rates.

Insurance coverage options for a Mercedes-Benz 350-Class

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz 350-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like chiropractic care, dental work, funeral costs, X-ray expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your 350-Class caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, rolling your car, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.


Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, medical services and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

At the end of the day…

We’ve covered many ideas to get a better price on 1990 Mercedes-Benz 350-Class insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance comes from some of the smallest insurance companies.

Lower-priced insurance is possible on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In too many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

Even more information is available at these sites: