Cheap 1999 Mercedes-Benz SL-Class Insurance Rates

Looking for lower insurance coverage rates for your Mercedes-Benz SL-Class? Finding low-cost insurance for your Mercedes-Benz SL-Class can turn out to be a lot of work, but you can use these tips to save time.

There is a better way to shop for insurance coverage and we’ll show you the best way to compare rates for a Mercedes-Benz and find the cheapest rates from local insurance agents and online providers.

If you have insurance now or are shopping for new coverage, you can learn to get lower rates while maximizing coverage. Buying the cheapest protection is not that difficult. Drivers only need to know the proper methods to buy car insurance online.

Comprehensive Auto Insurance Comparison

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can spend countless hours discussing policy coverages with agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Many of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each company then gives them pricing for coverage. This saves time by eliminating form submissions for every auto insurance company.

To access this free quoting program, click to open in new window.

The only downside to comparing rates this way is you cannot specify which insurance companies to get pricing from. So if you prefer to choose specific providers to compare, we have a listing of companies who write auto insurance in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using the exact same information on every quote. If you are comparing different values for each quote it will be impossible to determine which rate is truly the best.

Slick advertising tricks that work

Drivers can’t ignore all the ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the companies make the same claim of big savings after switching your policy.

How does each company say the same thing?

Different companies have a certain “appetite” for the type of customer that earns them a profit. For example, a driver they prefer could possibly be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. A driver who matches those parameters will get very good rates and therefore will save when switching.

Potential customers who don’t meet the “perfect” profile will be charged higher premiums and this can result in business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that much. This is how companies can make the claims of big savings.

That is why drivers should compare as many rates as you can. It’s just too difficult to predict which insurance companies will have the lowest Mercedes-Benz SL-Class insurance rates.

These factors can influence what you pay for Mercedes-Benz SL-Class insurance

Smart consumers have a good feel for the factors that come into play when calculating your car insurance rates. Understanding what controls the rates you pay enables informed choices that can help you get better car insurance rates.

  • Your spouse saves you money – Being married actually saves money on your car insurance policy. Having a significant other usually means you are more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Don’t sacrifice liability coverage – The liability section of your policy is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Mercedes-Benz from damage. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, or theft. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more money you are required to pay out-of-pocket, the less your car insurance will be for SL-Class coverage.
  • Clean credit earns discounts – Your credit rating is a important factor in determining what you pay for car insurance. Consumers who have good credit tend to be less risk to insure than drivers with lower credit ratings. So if your credit can use some improvement, you could potentially save money when insuring your 1999 Mercedes-Benz SL-Class by improving your credit score.
  • Drive less and save money – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Autos not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage. Incorrect usage on your SL-Class may be wasting your money.
  • Too many car insurance claims drive up costs – If you tend to file frequent claims, you can expect higher rates. Car insurance companies generally give better rates to policyholders who file claims infrequently. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.

Discounts on 1999 Mercedes-Benz SL-Class insurance

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but some must be specially asked for before you get the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates on your policy for SL-Class coverage.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for SL-Class coverage than less cautious drivers.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Homeowners Discount – Owning a house can save you money because maintaining a house requires personal responsibility.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.

Consumers should know that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurers with discount insurance rates, click this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.

For example, these questions might point out if your situation may require specific advice.

  • What is no-fault insurance?
  • Is my camper covered by my car insurance policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need motorclub coverage?
  • Is my custom paint covered by insurance?
  • I have a DUI can I still get coverage?
  • How much liability insurance is required?
  • Where can I find DUI or SR-22 insurance?
  • Is my trailer covered?
  • When should I remove comp and collision on my 1999 Mercedes-Benz SL-Class?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage considerations

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz SL-Class.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, falling objects, vandalism and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for dental work, chiropractic care and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto liability insurance

Liability insurance will cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like court costs, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This 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 then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Take this to the bank

We just showed you a lot of information how to lower your 1999 Mercedes-Benz SL-Class insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from an unexpected company.

As you prepare to switch companies, never buy less coverage just to save a little money. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Insureds switch companies for a variety of reasons including policy cancellation, high rates after DUI convictions, delays in responding to claim requests or even poor customer service. Regardless of your reason for switching companies, choosing a new company can be less work than you think.

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