1991 Mercedes-Benz 350-Class Insurance Rates – 6 Ways to Save

Having to pay for pricey auto insurance can drain your budget and force you to make sacrifices. Getting a rate comparison is free and is an excellent way to slash your bill and have more diposable income.

Multiple auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate

You should take the time to get comparison quotes as often as possible since insurance prices change frequently. Despite the fact that you may have had the best deal on 350-Class coverage last year there is a good chance you can find better rate quotes now. You can find a lot of wrong information about auto insurance on the web, but in a few minutes you can learn a bunch of ideas how to lower your auto insurance premiums.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Finding affordable coverage is not rocket science. But vehicle owners must understand how companies market insurance on the web and take advantage of how the system works.

Cheapest auto insurance price quotes

All the larger auto insurance companies like Progressive, Geico, Allstate and State Farm give prices on the web. Getting prices online is pretty painless as you simply type in your required coverages as detailed in the form. Behind the scenes, their rating system collects your driving and credit reports and quotes a price. Online price estimates makes it a lot easier to compare rates but having to visit a lot of sites and enter the same data into a form is a big time waster. But it’s also necessary to get many rate quotes in order to get lower prices.

There is an easier way to compare rates

A quicker way to find better auto insurance pricing utilizes a single form that gets prices from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping much easier. Immediately after you send the form, your coverage is rated and you can select any or none of the quotes returned.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To compare rates now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you replicate the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will get a price comparison for the exact same coverage.

Cheap insurance coverage quotes with discounts

Car insurance companies don’t necessarily list every available discount in a way that’s easy to find, so here is a list a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

  • Online Discount – Some insurance companies may give you up to $50 for buying your policy online.
  • Claim-Free Discount – Claim-free drivers pay much less compared to drivers with a long claim history.
  • Payment Discounts – By making one initial payment rather than paying monthly you could save 5% or more.
  • Accident Forgiveness – but companies like Allstate, State Farm and Geico permit an accident without the usual rate increase so long as you haven’t had any claims before the accident.
  • Military Rewards – Having an actively deployed family member could be rewarded with lower premium rates.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

Discounts lower rates, but some credits don’t apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works.

Companies that may offer most of the discounts above include:

If you want low cost insurance coverage quotes, ask every insurance company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your area.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight whether you may require specific advice.

  • Am I covered if I break a side mirror?
  • Am I covered when delivering products for my home-based business?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my insurance cover my expensive audio equipment?
  • What is PIP insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Which companies will insure high-risk drivers?
  • Why do I need rental car insurance?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Liability car insurance – This coverage protects you from damage that occurs to other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, emergency aid, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision coverage – Collision insurance covers damage to your 350-Class resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1991 Mercedes-Benz 350-Class.

Due to the fact that many drivers 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 very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, a tree branch falling on your vehicle, damage from flooding, vandalism and a broken windshield. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, ambulance fees, surgery and EMT expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

More comparisons equals lower rates

Lower-priced insurance coverage is possible online in addition to many insurance agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. There are still a few companies who may not offer online price quotes and usually these small insurance companies work with independent agencies.

Throughout this article, we presented a lot of techniques to save on 1991 Mercedes-Benz 350-Class insurance. The key thing to remember is the more you quote insurance coverage, the better likelihood of getting cheaper insurance coverage. You may even discover the lowest rates are with the smaller companies. They often have lower car insurance rates on specific markets compared to the large companies like Allstate and Progressive.

When shopping online for insurance coverage, do not reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford and still be able to protect your assets.

More detailed insurance coverage information can be found in the articles below: