2016 Mercedes-Benz SLC-Class Insurance Quotes – 5 Tricks for Cheaper Rates

Shoppers have a choice when shopping for the lowest priced Mercedes-Benz SLC-Class insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates. There are more efficient ways to compare insurance rates and we’ll show you the quickest way to price shop coverage for your Mercedes-Benz and find the cheapest rates from both online companies and local agents.

Smart consumers take time to get comparison quotes as often as possible due to the fact that insurance prices tend to go up over time. Just because you had the lowest rate for SLC-Class coverage two years ago the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the right way to find great coverage at a great price.

How much does auto insurance cost?

There are several ways to compare auto insurance prices and some are less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to achieve your goal.

Most of the best insurance companies take part in a program that enables customers to submit their information once, and every company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions to each company.

To access this free quoting program, click here to open in new window.

The one disadvantage to doing it this way is you can’t choose which insurance companies to receive prices from. If you prefer to choose from a list of companies for rate comparison, we put together a list of auto insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use nearly identical coverages on every price quote you get. If you use unequal deductibles or liability limits it will be very difficult to determine which company has the best rates.

Insurance coverage rates and discounts

Insuring your fleet can be pricey, but there could be available discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but some need to be asked for prior to getting the savings. If they aren’t giving you every credit possible, you may be paying too high a price.

  • Multiple Policy Discount – If you have multiple policies with one insurance company you may earn at least 10 to 15 percent or more.
  • No Claim Discounts – Drivers who stay claim-free can earn big discounts in comparison to frequent claim filers.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies allow you one accident without raising rates if you have no claims for a specific time period.
  • Homeowners Savings – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Telematics Data Discounts – Insureds who allow driving data submission to analyze driving patterns remotely such as State Farm’s In-Drive could see a rate decrease as long as the data is positive.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

To locate insurance coverage companies with discount rates, click this link.

Situations that may require an agent’s advice

When buying the best insurance coverage coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining if you would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • What companies insure drivers after a DUI or DWI?
  • Does insurance cover damages from a DUI accident?
  • Can I make deliveries for my home business?
  • Which is better, split liability limits or combined limits?
  • Will my insurance pay for OEM parts?
  • If my pet gets injured in an accident are they covered?
  • What is roadside assistance coverage?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Truth in car insurance advertising

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the ads make the point about how much you will save if you just switch to their company.

How does every company charge lower premium rates? Here is how they do it.

Many companies can use profiling for the type of driver they prefer to insure. An example of a desirable insured could be a married male, has no claims, and drives newer vehicles. A customer getting a price quote who matches that profile gets the lowest rates and will also save a lot if they switch.

Potential customers who are not a match for this ideal profile may be required to pay a higher premium and the customer not purchasing. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can lure you into getting a quote. Because of this risk profiling, you really need to compare quotes as often as possible. It is impossible to guess with any certainty which company will have better auto insurance rates than you’re paying now.

Coverages available on your auto insurance policy

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, rock chips in glass, damage from getting keyed and hitting a deer. The most 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 consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, chiropractic care, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance

This can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as medical services, legal defense fees, pain and suffering, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Quote more, save more

The cheapest 2016 Mercedes-Benz SLC-Class insurance can be found both online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not offer price quotes online and these small insurance companies only sell through independent agents.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Insureds leave their current company for a number of reasons such as being labeled a high risk driver, poor customer service, unfair underwriting practices or even policy cancellation. No matter why you want to switch, finding a great new company can be less work than you think.

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