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1990 Mercedes-Benz 560-Class Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 13, 2020

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Trying to find the cheapest car insurance rates? Buyers have options when searching for low-cost Mercedes-Benz 560-Class insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to make rate comparisons. There are both good and bad ways to find car insurance online so we’re going to tell you the best way to price shop coverage for a new or used Mercedes-Benz and get the lowest possible price either online or from local insurance agents.

You should make it a habit to shop coverage around once or twice a year because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on 560-Class coverage two years ago there is a good chance you can find better rates now. So just ignore everything you know about car insurance because it’s time to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

Compare the Market for Insurance Coverage

There are several ways to shop for Mercedes-Benz 560-Class insurance coverage, and some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use the web to maximize your effort.

All the larger companies belong to an insurance system where prospective buyers enter their policy data once, and at least one company can provide price quotes determined by their information. This prevents consumers from doing quote requests for each company you want a rate for. To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to getting quotes like this is you cannot specify which carriers you will receive quotes from. So if you want to choose specific insurance companies to compare, we have a page of insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage information on every quote. If you use mixed coverages it will be impossible to decipher which rate is best.

Buyer beware of car insurance advertising tricks

Drivers can’t ignore all the ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies have a common claim of big savings if you move to their company.

But how can every company say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a driver they prefer might be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Consumers who are not a match for this ideal profile must pay a more expensive rate which leads to business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can advertise the way they do. This illustrates why you absolutely need to get as many quotes as possible. It’s not possible to predict the company that will have the lowest Mercedes-Benz 560-Class insurance rates.

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Discounts mean cheaper 1990 Mercedes-Benz 560-Class insurance rates

Companies offering auto insurance do not list every available discount in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find ways to save on insurance. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Save over 55 – Older drivers may be able to get a discount up to 10% on 560-Class coverage.
  • Homeowners Discount – Owning a house can help you save on insurance because maintaining a house is proof that your finances are in order.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Drivers Ed for Students – Have your child enroll in driver’s education in school.
  • Defensive Driver – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

A partial list of companies who might offer these benefits include:

Check with all companies you are considering what discounts are available to you. All car insurance discounts might not apply in every state.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs could use an agent’s help.

  • Can I drive in Mexico and have coverage?
  • What are the financial responsibility laws in my state?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Are rock chip repairs covered?
  • What is an SR-22 filing?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability coverage – Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like legal defense fees, medical services, attorney fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Collision coverage – Collision coverage pays for damage to your 560-Class resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, funeral costs and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects, hitting a bird, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mercedes-Benz 560-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

You can do this!

Throughout this article, we presented quite a bit of information on how to lower your 1990 Mercedes-Benz 560-Class insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the lesser-known companies.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped physical damage coverage to discover at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage for the lowest price.

Drivers who switch companies do it for any number of reasons including questionable increases in premium, an unsatisfactory settlement offer, not issuing a premium refund and even high prices. It doesn’t matter why you want to switch finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

For more information, feel free to visit the following helpful articles:

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