Cheaper 2003 Mercedes-Benz SLK-Class Insurance Quotes

Looking for better auto insurance rates for your Mercedes-Benz SLK-Class? Shopping for lower priced auto insurance online might seem problematic for vehicle owners that are relatively new to online price comparisons. Since there are so many companies, how can drivers be able to compare every auto insurance company to find better auto insurance prices?

It’s a good habit to compare premium rates before your next renewal because insurance prices change frequently. Even if you think you had the best rate on SLK-Class coverage a couple years back a different company probably has better premium rates today. You’ll find a ton of advice on auto insurance out there, but by reading this article, you’re going to learn some great ideas on how to slash your auto insurance rates.

How to find the cheapest insurance coverage

Most major insurance companies such as State Farm, GEICO and Progressive allow consumers to get coverage prices online. Doing online quotes doesn’t take a lot of time as all you need to do is type in your coverage preferences into a form. Upon sending the form, their system automatically orders your credit score and driving record and quotes a price based on these factors.

Online price quotes streamlines rate comparisons, but having to visit many different websites and type in the same data is repetitive and time-consuming. Unfortunately, it is important to do this in order to get better insurance coverage pricing.

The easiest way to compare rates requires only one form to obtain quotes from several different companies. It saves time, reduces the work, and makes quoting online much simpler. As soon as the form is sent, your coverage is rated and you can choose your choice of the quotes returned.

If a lower price is quoted, you can click and sign and purchase the new policy. This process only takes a few minutes and may result in a nice savings.

In order to compare rates now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you replicate the coverages as shown on your current policy. This guarantees you’re receiving a rate comparison for similar coverage.

When do I need an agent’s advice?

When it comes to buying adequate coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

  • Will filing a claim cost me more?
  • Is a blown tire covered by insurance?
  • When do I need to add a new car to my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Are my friends covered when driving my car?
  • When does my teenage driver need to be added to my policy?
  • What is an SR-22 filing?
  • How much underlying liability do I need for an umbrella policy?
  • Can my babysitter drive my car?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverage specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto liability insurance – Liability insurance protects you from damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, prosthetic devices, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a deer, vandalism and theft. The most your insurance company will pay 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.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz SLK-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – Collision coverage will pay to fix damage to your SLK-Class caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, rolling your car, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.