1997 Mercedes-Benz SL-Class Car Insurance Rates

Drivers have many options when trying to find the lowest priced Mercedes-Benz SL-Class insurance. You can either waste hours driving around to compare prices or utilize the internet to compare rates.

There is a better way to buy insurance and you need to know the absolute fastest way to price shop coverage on a Mercedes-Benz and obtain the cheapest rates from local insurance agents and online providers.

Finding insurance

Finding a lower price on 1997 Mercedes-Benz SL-Class insurance doesn’t have to be difficult. The only thing you need to do is take a couple of minutes comparing rates to find the company with affordable car insurance quotes. It’s super easy and can be done in a couple of different ways.

1. The easiest and least time consuming way to get quotes is a comparison rater form click here to open form in new window. This easy form keeps you from doing separate quotation requests for each price estimate. Completing one form gets you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
2. Another way to find more affordable insurance requires you to visit each company website and request a quote. For instance, let’s say you want to compare rates from USAA, Progressive and Allstate. You would be required to spend time going to each site individually and enter your policy data, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just do your best to use the same coverages for every company. If you compare different coverage information it’s not possible to make a fair comparison for your Mercedes-Benz SL-Class.

Take advantage of every car insurance discount

Insuring your vehicles can cost a lot, but there could be available discounts that could drop your premiums quite a bit. Certain reductions will be credited at quote time, but a few must be asked about before you get the savings.

• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for SL-Class coverage compared to accident prone drivers.
• Renewal Discounts – Some companies give discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
• No Claims – Good drivers with no accidents get the best car insurance rates when compared to insureds who have frequent claims or accidents.
• Accident Waiver – but certain companies will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
• Discount for Multiple Policies – If you combine your home and auto policies with one insurance company they may give you a discount of approximately 10% to 15%.
• Life Insurance Discount – Select insurance carriers reward you with a lower rate if you buy a life policy as well.

It’s important to note that some credits don’t apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.

If you would like to choose from a list of insurers who offer cheap car insurance quotes, click here to view.

How to know if you need help

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help you determine if your situation may require specific advice.

• Should I bundle my homeowners policy with my auto?
• Are split liability limits better than a combined single limit?
• Do I need added coverage for expensive stereo equipment?
• How can I get my company to pay me more for my totalled car?
• Are rock chip repairs covered?
• Is my 1997 Mercedes-Benz SL-Class covered for smoke damage?
• Am I covered by my spouse’s policy after a separation?
• How do I insure my teen driver?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Insurance specifics

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like funeral expenses, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This pays for damage to your SL-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox, crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for things like surgery, ambulance fees, pain medications and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers 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 only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.