2016 Mercedes-Benz SL-Class Insurance Quotes

Looking for better car insurance rates for your Mercedes-Benz SL-Class? Finding affordable car insurance over the internet might appear problematic for consumers not familiar with comparing rates on the web. Because there are so many companies competing online, how can drivers efficiently compare every possible option in order to find the best available rates?

Informed consumers know how to buy insurance at a discount

The best way to find cheaper insurance is to take a look at a few of the rating criteria that come into play when calculating your premiums. When you understand what determines premiums, this allows you to make good choices that will entitle you to lower premium levels. Lots of factors are used when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are not quite as obvious such as your credit history or how safe your car is.

Shown below are some of the factors used by companies to determine your premiums.

  • Younger driver insurance prices – Young drivers have a tendency to be inattentive and easily distracted when driving with friends and because of this, their insurance rates are much higher. More experienced drivers are more responsible, cost insurance companies less in claims .
  • Avoid unnecessary incidental coverages – There are quite a few add-on coverages you can purchase on your insurance policy. Coverage for things like personal injury protection, accidental death, and term life insurance may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but if they’re wasting money think about removing them and cutting costs.
  • Where you call home plays a part – Having an address in less populated areas has definite advantages when insuring your vehicles. Urban drivers tend to have more auto accidents and much longer commute distances. Less people means a lower chance of having an accident as well as less vandalism and auto theft.
  • Gender and insurance – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Males and females cause accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets like reckless driving and DUI.
  • Discounts for multiple policies – Lots of insurance companies will give discounts to buyers that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, consumers should still compare other insurance prices to help ensure you have the lowest rates.
  • Don’t skimp on liability – Liability coverage provides coverage in the event that a jury decides you are liable for damages caused by your negligence. It provides legal defense which can be incredibly expensive. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
  • Poor credit history equals high prices – Having a bad credit score will be a significant factor in determining what you pay. Therefore, if your credit history could use some work, you may save money insuring your 2016 Mercedes-Benz SL-Class if you clean up your credit. Insureds with very high credit ratings tend to be more responsible than drivers with poor credit.
  • Adjust coverage deductibles and save – Deductibles for physical damage tell how much you are willing to pay out-of-pocket if a covered claim is submitted. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims are rearending another vehicle, damage caused by hail, or theft of your vehicle. The more you choose to pay out-of-pocket, the lower your rates will be on SL-Class coverage.

Cheap auto insurance rate quotes

There are several ways you can shop for auto insurance and some are more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use the web to get rates in a matter of minutes.

Many companies take part in a program where insurance shoppers only type in their quote data once, and each company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To find out how much you can save on auto insurance click here to start a free quote.

The only downside to pricing coverage this way is that you can’t choose which carriers to receive prices from. So if you prefer to pick from a list of companies to compare, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

Compare rates however you want, just make sure you use identical quote data for each comparison quote. If each company quotes mixed coverages then you won’t be able to determine the best price for your Mercedes-Benz SL-Class. Even a minor difference in insurance coverages could mean much higher rates. Keep in mind that getting more free quotes increases the change that you will find more affordable rates. Not every company allows you to get online price quotes, so you should also compare rates from those companies as well.

Take advantage of every auto insurance discount

Auto insurance companies don’t list all possible discounts very clearly, so we took the time to find a few of the more well known in addition to some of the lesser obvious ways to save on auto insurance.

  • Low Mileage Discounts – Keeping the miles down on your Mercedes-Benz may enable drivers to earn better auto insurancerates on cars that stay parked.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Save with a New Car – Adding a new car to your policy may earn a small discount compared to insuring an older model.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of 25 to 30%.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.

We need to note that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount will bring down the cost of your policy.

Large auto insurance companies and some of the discounts are detailed below.

  • Travelers may offer discounts for home ownership, new car, good student, student away at school, early quote, multi-car, and save driver.
  • 21st Century has savings for student driver, 55 and older, early bird, anti-lock brakes, driver training, automatic seat belts, and homeowners.
  • State Farm includes discounts for Steer Clear safe driver discount, good driver, multiple policy, good student, and driver’s education.
  • Geico may include discounts for good student, daytime running lights, multi-policy, driver training, emergency military deployment, and air bags.
  • SAFECO policyholders can earn discounts including accident prevention training, bundle discounts, anti-lock brakes, teen safe driver, and homeowner.
  • AAA has discounts for AAA membership discount, education and occupation, good driver, multi-car, pay-in-full, anti-theft, and good student.

When getting free car insurance quotes, it’s a good idea to each company or agent how you can save money. Depending on the company, some discounts might not be offered in your state.

How to know if you need help

When choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might point out whether you may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • What can I do if my company denied a claim?
  • Which is better, split liability limits or combined limits?
  • Am I covered when pulling a rental trailer?
  • Where can I find DUI or SR-22 insurance?
  • How much liability do I need to cover my assets?
  • If I drive on a suspended license am I covered?
  • How much underlying liability do I need for an umbrella policy?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverages for a Mercedes-Benz SL-Class

Understanding the coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz SL-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance – Liability insurance protects you from damage that occurs to other’s property or people. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, loss of income, pain and suffering and emergency aid. How much coverage you buy is up to you, but buy higher limits if possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like dental work, EMT expenses, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – This pays for damage to your SL-Class caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, rolling your car and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

What is YOUR best insurance company?

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, poor customer service and denial of a claim. Whatever your reason, choosing a new company is less work than it seems.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the best price, not the least amount of coverage.

We just presented some good ideas how you can reduce 2016 Mercedes-Benz SL-Class insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost car insurance. Consumers could even find that the best rates are with a smaller regional carrier.

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