Cheaper 1997 Mercedes-Benz SL-Class Insurance Quotes

Looking for the cheapest auto insurance rates for your Mercedes-Benz SL-Class? Are you tired of paying out the nose to pay your car insurance bill each month? You are in the same boat as the majority of other car owners. Popular companies such as State Farm, Progressive and GEICO promote their brand names with advertising and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Consumers need to compare rates yearly due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best price for SL-Class insurance on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use the internet to reduce your cost while improving coverage.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be specifically requested before they will apply. If you don’t get every credit possible, you’re just leaving money on the table.

  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • No Accidents – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Multi-policy Discount – If you have multiple policies with one company you may save up to 20% off your total premium.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will bring down your premiums.

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

Check with each company how you can save money. Savings may not be available in every state.

Comparison of Car Insurance

Most companies give pricing on the web. Getting online quotes doesn’t take much effort as you simply enter the coverage amounts you desire into the quote form. When the form is submitted, their system pulls your driving and credit reports and provides a quote. This makes it a lot easier to compare rates but the work required to visit multiple sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to do this in order to get the lowest car insurance rates.

Isn’t there an easier way to compare rates?

A more efficient way to lower your rates uses one simple form that analyzes rates from many companies. It saves time, eliminates repetitive work, and makes price shopping online much easier to do. As soon as the form is sent, it is quoted and you are able to buy any one of the resulting price quotes.

If a lower price is quoted, it’s easy to complete the application and buy the policy. This process takes 15 minutes at the most and may save quite a bit of money.

If you want to compare rates now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you replicate deductibles and limits just like they are on your policy. This makes sure you will have a fair comparison for the exact same coverage.

Mercedes-Benz SL-Class premiums are determined by many factors

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that can help you get big savings.

  • Higher deductibles cost less – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mercedes-Benz. Some instances where coverage would apply would be colliding with a building, vandalism, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive for SL-Class insurance.
  • More than one policy can earn a discount – Many insurance companies will award you with lower prices to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • High credit ratings translate to low rates – Your credit score is a important factor in determining what you pay for auto insurance. If your credit score is lower than you’d like, you could pay less to insure your 1997 Mercedes-Benz SL-Class by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining if your insurance needs might need professional guidance.

  • Am I covered when delivering products for my home-based business?
  • Is my 1997 Mercedes-Benz SL-Class covered for smoke damage?
  • Am I better off with higher deductibles on my 1997 Mercedes-Benz SL-Class?
  • Should I buy only the required minimum liability coverage?
  • Should I get collision insurance on every vehicle?
  • Is my ex-spouse still covered by my policy?
  • Is a fancy paint job covered?
  • Can my teen drive my company car?
  • Is pleasure use cheaper than using my 1997 Mercedes-Benz SL-Class to commute?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Coverage specifics

Having a good grasp of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, a broken windshield, rock chips in glass, vandalism and damage from getting keyed. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

This provides protection from damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, 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. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical services, attorney fees and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your SL-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills like rehabilitation expenses, chiropractic care, nursing services, EMT expenses and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mercedes-Benz SL-Class.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Spend less. Save more.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice collision coverage to discover at claim time that it was a big mistake. The ultimate goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

We covered many tips how you can get a better price on 1997 Mercedes-Benz SL-Class insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with a small mutual company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

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