Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for cheaper auto insurance rates for your Mercedes-Benz 190-Class? Nobody I know looks forward to buying auto insurance, especially when they could find better rates elsewhere. Many car insurance companies compete for your business, and it can be difficult to compare rates to get the lowest rate possible.

You need to check auto insurance prices every six months since insurance prices are variable and change quite frequently. If you had the best price for 190-Class coverage two years ago there may be better deals available now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the only way to find better coverage at a better price.

Discounts for cheaper insurance coverage quotes

Some companies do not advertise all their discounts very clearly, so we took the time to find both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Own a Home – Simply owning a home can save a few bucks because it requires a higher level of personal finance.
  • Senior Citizen Rates – Drivers that qualify as senior citizens could receive a small decrease in premiums for 190-Class coverage.
  • No Charge for an Accident – Not necessarily a discount, but companies like GEICO, Progressive, and Allstate will allow you to have one accident before they charge you more for coverage so long as you are claim-free before the accident.
  • Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease for 190-Class coverage with some insurance coverage companies.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

A list of companies and some of the premium reductions they offer are:

  • Progressive offers premium reductions for homeowner, continuous coverage, multi-vehicle, online quote discount, online signing, and multi-policy.
  • SAFECO may include discounts for teen safe driver, safe driver, multi-car, homeowner, drive less, anti-lock brakes, and anti-theft.
  • American Family may have discounts that include TimeAway discount, good driver, defensive driver, air bags, and good student.
  • MetLife discounts include good driver, defensive driver, accident-free, multi-policy, claim-free, and good student.
  • GEICO may offer discounts for air bags, emergency military deployment, federal employee, daytime running lights, multi-policy, five-year accident-free, and anti-theft.
  • The Hartford offers discounts for vehicle fuel type, driver training, air bag, bundle, and good student.

If you are trying to find cheap auto insurance quotes, ask each company or agent how you can save money. All car insurance discounts may not apply to policies everywhere. If you would like to view companies that offer many of these discounts, follow this link.

The quickest method we recommend to compare rate quotes is to realize most of the bigger providers provide online access to provide you with a free rate quote. The one thing you need to do is provide a small amount of information like if a SR-22 is needed, how much education you have, daily mileage, and marital status. Your information is submitted instantly to many different companies and you will get price comparisons instantly to find the best rate.

To find lower rates now, click here and complete the quick form.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You may need specialized insurance coverage coverage

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I sign the liability waiver when renting a car?
  • When do I need to add a new car to my policy?
  • Do I benefit by insuring my home with the same company?
  • Are rock chip repairs covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • When can my company non-renew my policy?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.


This will cover damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair costs for stationary objects, attorney fees, structural damage, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

This pays for damage to your 190-Class resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, hitting a mailbox, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like hospital visits, surgery, funeral costs, chiropractic care and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Saving money makes a lot of cents

We just presented some good ideas how to save on 1992 Mercedes-Benz 190-Class insurance. The key thing to remember is the more companies you get car insurance rates for, the better your comparison will be. You may be surprised to find that the biggest savings come from a lesser-known regional company. They may have significantly lower car insurance rates on certain market segments than their larger competitors like Progressive or GEICO.

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, someone dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your focus should be to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Cheaper 1992 Mercedes-Benz 190-Class insurance can be bought on the web in addition to local insurance agencies, and you should be comparing both to have the best selection. There are still a few companies who may not have the ability to get a quote online and many times these smaller providers only sell coverage through independent insurance agents.

Other resources