1990 Mercedes-Benz 300-Class Car Insurance Quotes – 7 Tips for Best Rates

Pricey car insurance can stress out your accounts and possibly require you to analyze your spending habits. Numerous insurance companies battle for your business, and because of this it can be hard to compare insurers to get the lowest rate

If you have insurance now or are looking for a new policy, you can use these tips to shop for the lowest rates while maximizing coverage. Buying car insurance is not that difficult. Drivers only need an understanding of the proper way to buy insurance online.

How to get insurance coverage quotes

Effectively comparing insurance coverage prices can take hours if you don’t utilize the easiest way. You can waste hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to quickly compare rates.

Most of the larger companies participate in a marketplace where prospective buyers complete one form, and each participating company can provide price quotes based on the submitted data. This system prevents you from having to do form submissions for every insurance coverage company. To find out what other companies charge click here (opens in new window).

The only downside to pricing coverage this way is that you can’t choose the providers to get pricing from. If you would rather choose specific providers for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using nearly identical coverages with every price quote. If you enter different coverage information you can’t possibly find the best deal for your Mercedes-Benz 300-Class.

Cheap insurance quotes with discounts

Car insurance companies don’t list their entire list of discounts very well, so the next list breaks down a few of the more well known and also the lesser-known discounts that you may qualify for. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.

Smart Student Discounts – This discount can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
Seat Belt Discounts – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
Active Military Service – Being on active duty in the military may lower your prices slightly.
Discount for Multiple Policies – If you can bundle your home and auto insurance and insure them with the same company they may give you a discount of approximately 10% to 15%.
Telematics Devices – Drivers who elect to allow their company to monitor their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates if they have good driving habits.
Online Discount – A handful of insurance companies will provide an incentive for buying a policy and signing up on the web.
Full Payment Discount – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

As a footnote on discounts, many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.

Large insurance companies and their possible discounts can be found below.

State Farm includes discounts for passive restraint, student away at school, multiple policy, safe vehicle, and good driver.
American Family may have discounts that include early bird, mySafetyValet, good student, good driver, and bundled insurance.
AAA discounts include pay-in-full, good student, AAA membership discount, multi-car, multi-policy, anti-theft, and education and occupation.
Geico may include discounts for daytime running lights, anti-theft, good student, multi-policy, multi-vehicle, emergency military deployment, and air bags.
Mercury Insurance policyholders can earn discounts including location of vehicle, good student, multi-policy, ease of repair, and good driver.
Farmers Insurance offers discounts for mature driver, youthful driver, bundle discounts, teen driver, distant student, switch companies, and early shopping.
Progressive offers discounts including good student, homeowner, online quote discount, online signing, continuous coverage, multi-policy, and multi-vehicle.

When getting a coverage quote, ask each company or agent how many discounts you can get. Some credits might not be available to policyholders everywhere.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can help discover whether your personal situation might need professional guidance.

Does my policy cover me when driving someone else’s vehicle?
Can I still get insurance after a DUI?
At what point should I drop full coverage?
Does my insurance cover my expensive audio equipment?
Is upholstery damage covered by car insurance?
Will my vehicle be repaired with OEM or aftermarket parts?
Do I have coverage if my license is suspended?
Exactly who is provided coverage by my policy?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for pain medications, rehabilitation expenses, funeral costs and surgery. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your 1990 Mercedes-Benz 300-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Liability coverage

This coverage protects you from damage or injury you incur to people or other property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, emergency aid, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage pays for damage to your 300-Class caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.