Save on 2018 Mercedes-Benz SL-Class Car Insurance Cost

Looking for cheaper auto insurance rates for your Mercedes-Benz SL-Class? Nobody that owns a car loves paying for auto insurance, especially when their premiums are too high.

Since you have so many options when it comes to auto insurance, it can be hard to pick the lowest price insurer.

Smart consumers take time to get comparison quotes quite often because prices go up and down regularly. If you had the lowest quotes on SL-Class insurance a year ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the things you must know in order to properly buy coverages while reducing your premium.

How to get free insurance quotes online

Shopping for lower insurance rates can take time and effort if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use online quotes to get prices fast.

Many companies participate in a marketplace where insurance shoppers send in one quote, and each company returns a competitive quote based on that information. This saves time by eliminating form submissions to every company.

To compare rates using this form now click here to start a free quote.

The only downside to using this type of system is you can’t choose which carriers to get quotes from. If you prefer to choose individual companies to compare rates, we have assembled a list of companies who write insurance in your area. Click here to view list.

Compare rates however you want, just be sure to compare nearly identical coverage information for every quote you compare. If you compare differing limits it’s impossible to get a fair rate comparison. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparing insurance rates, know that comparing more quotes increases the change that you will find lower pricing.

Car insurance policy discounts

Some providers don’t necessarily list all their discounts in an easy-to-find place, so here is a list a few of the more common and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Low Mileage Discounts – Keeping the miles down on your Mercedes-Benz may allow you to get discounted premium rates on garaged vehicles.
  • Military Discounts – Being deployed with a military unit could trigger a small discount.
  • Use Seat Belts – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
  • Good Driver Discount – Insureds without accidents can pay as much as 50% less on SL-Class insurance compared to accident prone drivers.
  • ABS Braking Discount – Cars with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
  • Student Driver Training – Require your teen driver to sucessfully take a drivers education course if offered at their school.
  • Senior Citizens – If you qualify as a senior citizen, you are able to get lower premium rates on SL-Class insurance.
  • Defensive Driver Discount – Completing a class that teaches defensive driver techniques could earn you a small percentage discount depending on where you live.
  • Professional Memberships – Participating in certain professional organizations could earn you a nice discount on your policy.

Just know that most discount credits are not given the the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Companies and the discounts they provide can be read below.

  • State Farm includes discounts for driver’s education, multiple autos, good student, Drive Safe & Save, accident-free, anti-theft, and defensive driving training.
  • Liberty Mutual offers discounts for teen driver discount, preferred payment discount, safety features, newly married, and good student.
  • American Family has savings for good driver, air bags, good student, defensive driver, bundled insurance, and early bird.
  • Progressive has discounts for multi-vehicle, online quote discount, continuous coverage, multi-policy, online signing, and homeowner.
  • Farmers Insurance offers premium reductions for homeowner, multi-car, good student, mature driver, and bundle discounts.
  • Auto-Owners Insurance discounts include air bags, group or association, multiple vehicles, multi-policy, safe vehicle, and anti-theft.
  • SAFECO offers discounts including drive less, homeowner, teen safe driver, bundle discounts, multi-car, accident prevention training, and anti-theft.

Before buying, ask each insurance company which credits you are entitled to. Some discounts might not apply in your state.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help highlight whether or not you might need professional guidance.

  • Do I benefit by insuring my home with the same company?
  • Where can I find high-risk insurance?
  • Who is covered by my policy?
  • Why is insurance for a teen driver so high?
  • Does my 2018 Mercedes-Benz SL-Class need full coverage?
  • Is my trailer covered?
  • Is my teen driver covered when they drive my company car?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Coverage specifics

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, a broken windshield, theft, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – Collision coverage covers damage to your SL-Class from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability – Liability insurance will cover damage or injury you incur to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, attorney fees, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like X-ray expenses, ambulance fees, chiropractic care, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage