Cheapest 1999 Mercedes-Benz SL-Class Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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No one in their right mind cherishes buying auto insurance, especially knowing the cost is too high.
Popular companies such as Allstate, Progressive and GEICO constantly blast consumers with advertising and it can be hard to see past the corporate glitz and take the time to shop coverage around.
Save big with these six discounts
Companies don’t always advertise every available discount in an easy-to-find place, so we researched some of the more common and also the lesser-known ways to save on insurance coverage.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
- Claim Free – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
- Resident Student – Children living away from home attending college without a vehicle on campus can receive lower rates.
- New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Driver Safety – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
A little note about advertised discounts, most discounts do not apply the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.
Companies that may offer these benefits may include but are not limited to:
- American Family
- 21st Century
- Farmers Insurance
It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts might not be offered in every state.
But I don’t know anything about car insurance
When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out if your insurance needs would benefit from professional advice.
- Is my dog or cat covered if injured in an accident?
- Am I covered if I break a side mirror?
- What is covered by UM/UIM coverage?
- Is rental equipment covered for theft or damage?
- Do I need medical payments coverage since I have good health insurance?
- Should I have combined single limit or split liability limits?
- Can I make deliveries for my home business?
If you’re not sure about those questions, you might consider talking to a licensed agent.
Auto insurance coverages
Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.
This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like damage from a tornado or hurricane, vandalism, hitting a bird, rock chips in glass and hitting a deer. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, hospital visits, prosthetic devices, doctor visits and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible
This provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things such as funeral expenses, court costs, pain and suffering and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
A fool and his money are soon parted
While you’re price shopping online, never buy less coverage just to save a little money. There are too many instances where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.
Cheap 1999 Mercedes-Benz SL-Class insurance is possible online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
More detailed car insurance information is available by following these links:
- Should I Buy a New or Used Car? (Allstate)
- Older Drivers FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- Teen Driver Licensing Information (iihs.org)
Frequently Asked Questions
How can I find the cheapest insurance for my 1999 Mercedes-Benz SL-Class?
To find the cheapest insurance for your 1999 Mercedes-Benz SL-Class, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options. This will help you identify the most affordable option.
- Research discounts: Inquire about any available discounts such as safe driver discounts, multi-policy discounts, or low-mileage discounts that you may qualify for.
- Opt for a higher deductible: Increasing your deductible—the amount you pay out of pocket before insurance coverage kicks in—can lower your insurance premium.
- Consider usage-based insurance: Some insurers offer usage-based insurance programs that track your driving habits and provide discounts for safe driving.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help keep your insurance costs down.
- Review your coverage: Evaluate your coverage needs and consider reducing coverage for older vehicles to save on premiums.
Is it more expensive to insure a 1999 Mercedes-Benz SL-Class compared to other cars?
Insurance rates can vary based on several factors, including the make, model, age, and value of the vehicle, as well as the driver’s personal details and location. While a 1999 Mercedes-Benz SL-Class may have higher insurance costs compared to some other vehicles, it’s important to obtain personalized quotes from insurance providers to determine the actual cost for your specific circumstances.
Are there any specific factors that may affect the insurance cost for a 1999 Mercedes-Benz SL-Class?
Yes, several factors can influence the insurance cost for a 1999 Mercedes-Benz SL-Class, including:
- Age and condition: The age and condition of the vehicle may affect its value and the cost to repair or replace it.
- Safety features: The presence of safety features, such as airbags, anti-lock brakes, and security systems, may lead to lower insurance premiums.
- Driving record: A driver’s history of accidents, traffic violations, and claims can impact insurance costs.
- Location: The area where the vehicle is primarily driven or parked can affect insurance rates due to factors like crime rates and accident statistics.
- Coverage options: The type and amount of coverage you choose, such as liability-only or comprehensive coverage, will impact the insurance premium.
Are there any specific insurance providers that offer affordable coverage for a 1999 Mercedes-Benz SL-Class?
The affordability of insurance coverage can vary among insurance providers and is influenced by several factors. It’s recommended to research and obtain quotes from multiple insurers to compare prices and coverage options. Some well-known insurance providers that you may consider contacting for quotes include GEICO, Progressive, State Farm, Allstate, and Nationwide.
Can I take any steps to lower the insurance cost for my 1999 Mercedes-Benz SL-Class in the long run?
Yes, there are a few steps you can take to potentially lower the insurance cost for your 1999 Mercedes-Benz SL-Class over time:
- Maintain a good driving record: Avoid accidents and traffic violations to maintain a clean driving record, as this can lead to lower insurance premiums.
- Consider bundling policies: If you have other insurance needs, such as home or renters insurance, bundling them with your auto insurance policy can often lead to discounts.
- Drive fewer miles: If possible, reducing your annual mileage can sometimes result in lower insurance rates.
- Improve vehicle security: Installing security features, such as an alarm system or tracking device, can make your vehicle less prone to theft and potentially lower insurance costs.
- Regular maintenance: Properly maintaining your vehicle can reduce the likelihood of mechanical issues, which may result in lower insurance costs.
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