1. Vehicles
  2. Mercedes-Benz
  3. 560-Class
  4. 1991 Model Year

1991 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 14, 2020

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Have you fallen victim to an overpriced insurance coverage policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Drivers have so many car insurance companies to purchase coverage from, and though it is a good thing to have a choice, it can be more challenging to find the lowest rates.

You should make it a habit to get comparison quotes at least once a year since insurance rates change quite often. Just because you found the best price on 560-Class coverage last year the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance coverage on the web, but we’re going to give you some guaranteed methods to find affordable insurance coverage.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Drivers just need to know the tricks to compare prices over the internet.

The fastest way that we advise to compare policy rates is to take advantage of the fact all the major auto insurance companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is provide information like if the vehicle is leased, coverage limits, the make and model of your vehicles, and how old drivers are. That information is then submitted to insurance carriers in your area and you should receive rate quotes almost instantly.

Policy discounts you shouldn’t miss

Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known ways to save on insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Sign Online – Certain companies give back up to $50 for buying a policy and signing up on their website.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% on 560-Class coverage with a few insurance companies.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • No Accidents – Claim-free drivers pay much less as compared to frequent claim filers.
  • Sign Early and Save – Some companies give discounts for switching policies before your current policy expires. It can save you around 10%.
  • Multiple Policy Discount – When you have multiple policies with the same company you will save at least 10% off all policies.

A little note about advertised discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, insurance companies aren’t that generous.

A partial list of companies that may have these discounts are:

Before buying, ask every prospective company what discounts are available to you. Discounts might not be offered in every state.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my car insurance cover rental cars?
  • What is high-risk coverage and where do I buy it?
  • Should I carry comprehensive and collision coverage?
  • What is no-fault insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Free Auto Insurance Comparison

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

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Car insurance 101

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Coverage for collisions

Collision insurance pays for damage to your 560-Class from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, hitting a parking meter, colliding with a tree, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for hospital visits, dental work, prosthetic devices and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, theft, vandalism and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz 560-Class.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

Liability insurance protects you from damage that occurs to other people or property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things like funeral expenses, pain and suffering, court costs and medical services. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Cheaper insurance is a realistic goal

Lower-priced 1991 Mercedes-Benz 560-Class insurance can be found on the web and also from your neighborhood agents, so you should compare both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

In this article, we covered quite a bit of information on how to get a better price on insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a lesser-known regional company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.

More information is available below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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

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