Lower Your 1999 Mercedes-Benz SLK-Class Car Insurance Cost

Nobody that owns a car likes having to buy car insurance, in particular when they are paying too much. Due to the large number of companies and agents to choose from, it can be challenging to find the lowest price company.

You should take the time to do rate comparisons once or twice a year since insurance prices are constantly changing. If you had the lowest rates on SLK-Class insurance two years ago other companies may now be cheaper. There is a lot of bad advice regarding car insurance out there, but in this article, you’re going to get some guaranteed methods to buy car insurance cheaper.

The best way to compare car insurance company rates is to know the fact most larger insurance companies pay for the opportunity to give rate comparisons. All consumers are required to do is provide a little information including how much you drive, your occupation, which vehicles you own, and whether you are married. Those rating factors is then sent to insurance companies and they return cost estimate very quickly.

If you would like to start a quote now, click here and find out if lower rates are available.

What insurance coverages do I need?

When choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining if your situation may require specific advice.

  • Is my babysitter covered when using my vehicle?
  • Who is covered by my policy?
  • What if I owe more than I can insure my car for?
  • Am I getting all the discounts available?
  • How can I force my company to pay a claim?
  • If my 1999 Mercedes-Benz SLK-Class is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance specifics

Understanding the coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like hospital visits, X-ray expenses, funeral costs, dental work and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer, theft and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage

Liability coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, attorney fees, repair bills for other people’s vehicles, court costs and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Mercedes-Benz SLK-Class.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Collision coverage protection

This coverage covers damage to your SLK-Class resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, sideswiping another vehicle, crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.