1991 Mercedes-Benz 420-Class Insurance Quotes – 9 Policy Discounts

Did you come to the realization that you have an overpriced insurance coverage policy? You’re in good company because many consumers feel financially strained by their insurance coverage policy.

Many insurers vie for your insurance dollar, and it can be difficult to compare rates to find the lowest cost out there.

Consumers need to take a look at other company’s rates on a regular basis because prices tend to go up over time. Even if you think you had the best deal for 420-Class insurance a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to quote online to find great coverage at a great price.

If you currently have a car insurance policy, you should be able to save some money using this strategy. Buying car insurance is not rocket science. But car owners do need to learn the way companies sell online and use this information to your advantage.

Cheapest insurance quotes

There are several ways to shop for insurance, but there is one way that is less time-consuming than others. You could waste time talking to insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

Many insurance companies enroll in a system where insurance shoppers submit their information once, and at least one company can provide price quotes determined by their information. This prevents consumers from doing form submissions for each company.

To find out what other companies charge click here to start a free quote.

The only drawback to getting quotes like this is you are unable to specify the providers you want pricing from. If you prefer to choose specific providers to request quotes from, we have a listing of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but be sure you’re using equivalent coverages and limits for every company. If you enter different limits and deductibles on each one it will be impossible to get a fair rate comparison. Having just a slight variation in insurance coverages or limits can result in a big premium difference. It’s important to know that making a lot of price comparisons gives you a better chance of getting a lower rate than you’re paying now. Some companies don’t provide prices over the internet, so you also need to get quotes from the smaller companies as well.

Nine discounts for lower-cost car insurance rates

Car insurance is easily one of your largest bills, but you might be missing out on some discounts that could drop your premiums quite a bit. Most are applied at the time of quoting, but occassionally some discounts must be inquired about prior to getting the savings. If you do not double check each discount you deserve, you could be getting lower rates.

• Distant College Student Discount – College-age children who attend college more than 100 miles from home and leave their car at home can receive lower rates.
• Active Military Service – Being deployed with a military unit can result in better rates.
• Onboard Data Collection – Drivers that enable their car insurance company to track driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if they show good driving skills.
• Paperless Signup – Certain insurance companies will give a small break simply for signing online.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Senior Citizen Rates – Drivers over the age of 55 may qualify for better car insurance rates for 420-Class insurance.
• Life Insurance – If the company offers life insurance, you could get lower car insurancerates if you buy a life insurance policy as well.
• New Car Discount – Buying a new car model can cost up to 25% less due to better safety requirements for newer vehicles.
• Passenger Safety Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.

A quick disclaimer, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.

Popular car insurance companies and some of the discounts can be found below.

• Progressive offers discounts including multi-policy, good student, continuous coverage, homeowner, online signing, and online quote discount.
• Geico offers premium reductions for seat belt use, membership and employees, multi-vehicle, defensive driver, daytime running lights, and anti-theft.
• State Farm may include discounts for multiple policy, driver’s education, safe vehicle, passive restraint, and Drive Safe & Save.
• Esurance includes discounts for anti-lock brakes, defensive driver, safety device, good student, renters, and online quote.
• The Hartford has discounts for vehicle fuel type, defensive driver, good student, bundle, and driver training.

Before you buy a policy, ask all companies you are considering to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in your area. To see a list of companies who offer car insurance discounts, click here.

Tailor your insurance coverage to you

When choosing coverage, there is no best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

• Will I be non-renewed for getting a DUI or other conviction?
• Do I have coverage when using my vehicle for my home business?
• Should I buy only the required minimum liability coverage?
• What should my uninsured motorist coverage limits be in my state?
• Am I covered when driving in Canada or Mexico?
• Am I insured when driving a different vehicle?
• What is PIP insurance?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find 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.

Insurance coverage breakdown

Knowing the specifics of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Liability car insurance – This coverage provides protection from damage that occurs to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

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 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like legal defense fees, emergency aid and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision – Collision coverage will pay to fix damage to your 420-Class from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, damaging your car on a curb, hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, a tree branch falling on your vehicle and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses like surgery, funeral costs, nursing services and doctor visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.