1991 Mercedes-Benz 190-Class Insurance Quotes

Expensive insurance can sap your savings account and force you to make sacrifices. Price shopping at each renewal is free and is an excellent way to make ends meet.

Since you have so many insurance companies to choose from, it’s nearly impossible to locate a more affordable insurance company.

Smart consumers take time to get comparison quotes yearly because insurance rates are adjusted regularly by insurance companies. Even if you got the best premium rates for 190-Class insurance two years ago you can probably find a lower rate today. There is a lot of wrong information about insurance out there, but by reading this article, you’re going to learn some of the best ways to buy insurance cheaper.

Car insurance discounts are available to lower your rates

Car insurance can cost a lot, but you might be missing out on some discounts that you may not know about. Some discounts will apply when you complete an application, but occassionally some discounts must be asked about prior to receiving the credit.

  • Distant Student – Kids who attend college more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • Save with a New Car – Adding a new car to your policy is cheaper because newer vehicles keep occupants safer.
  • ABS Brakes – Cars with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • Sign Online – Certain car insurance companies will give you a small discount for buying your policy on the internet.
  • Professional Memberships – Belonging to a professional or civic organization could qualify you for a break when getting a insurance coverage quote.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky.

To locate insurers offering car insurance discounts, click here to view.

Mercedes-Benz 190-Class insurance premiums can be more affordable

Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, but some are less obvious like your vehicle usage or how safe your car is.

  • Always keep your insurance in place – Letting your insurance expire is a sure-fire way to increase your renewal premiums. Not only will you pay more, not being able to provide proof of insurance could result in fines and jail time. You may then have to file a SR-22 with your state department of motor vehicles.
  • Do you really need roadside assistance? – There are many extra add-on coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like rental car reimbursement, better glass coverage, and membership fees are some examples. They may sound like good ideas at first, but your money might be better spent on other coverage so remove them and pocket the money.
  • Tickets inflate costs – Being a careful driver influences premium rates substantially. Even a single chargable violation could increase your next policy renewal by as much as twenty percent. Good drivers pay lower auto insurance prices as compared to careless drivers. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence might be required by their state to complete a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Liability insurance is critical – Liability insurance is the coverage that protects you if you are found liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage to defend your case. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Drive less and pay lower prices – The more you drive your Mercedes-Benz every year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much get more affordable rates than those that get driven frequently. It’s a good idea to make sure your declarations sheet is showing the correct usage. Having the wrong rating on your 190-Class is throwing money out the window.
  • Prices for males may be higher – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both get in accidents in similar numbers, but males cause more damage and cost insurance companies more money. They also get ticketed for serious violations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.

Everyone needs different car insurance coverages

When it comes to choosing coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I missing any policy discounts?
  • Should I have combined single limit or split liability limits?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I have a commercial auto policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I waive the damage coverage when renting a car?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, hospital visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Auto liability insurance – This can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has 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 policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as pain and suffering, legal defense fees, repair bills for other people’s vehicles, bail bonds and court costs. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, damage from flooding, fire damage, hail damage and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage 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 are similar to your liability insurance amounts.

Collision coverage – This coverage pays for damage to your 190-Class resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, backing into a parked car, crashing into a ditch, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured cut uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.

Cost effective 1991 Mercedes-Benz 190-Class insurance can be bought online as well as from insurance agents, so you need to quote insurance coverage with both to have the best rate selection. Some companies may not have the ability to get a quote online and these smaller companies only sell coverage through independent agencies.

More detailed auto insurance information is located at these sites: