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2010 Mercedes-Benz SLK-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: Mar 5, 2020

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Locating cheaper insurance for a new or used Mercedes-Benz SLK-Class can be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to compare insurance coverage rates so you’re going to learn the quickest way to quote coverages for a Mercedes-Benz and locate the best price possible either online or from local insurance agents.

Lots of discounts mean lots of savings

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Most are applied at the time of quoting, but some may not be applied and must be asked for before you get the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when buying auto insurance on SLK-Class insurance.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Own a Home – Owning a house can save you money because maintaining a house is proof that your finances are in order.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • 55 and Retired – Older drivers may be able to get a discount up to 10% on SLK-Class insurance.
  • Drive Less and Save – Driving fewer miles could be rewarded with a substantially lower rate.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will bring down your premiums.

To see a list of providers who offer auto insurance discounts, click here to view.

Mercedes-Benz SLK-Class rate determination is complex

Smart consumers have a good feel for the different types of things that help determine the rates you pay for insurance coverage. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in better insurance coverage rates.

  • Men are more aggressive – The statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Women and men cause accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
  • Your credit rating is important – Credit rating is a large factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than those with lower credit ratings. If your credit history can use some improvement, you could pay less to insure your 2010 Mercedes-Benz SLK-Class by improving your rating.
  • Small claims can cost you – If you file claims often, you can look forward to either policy cancellation or increased premiums. Insurance companies generally give cheaper rates to people who do not file claims often. Your insurance policy is intended for larger claims.
  • Safer occupants lowers premiums – Cars with high safety ratings get lower rates. Safer cars protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates. If your Mercedes-Benz SLK-Class has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Do you know your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mercedes-Benz from damage. Some instances where coverage would apply would be a windshield shattered by a rock, vandalism, and burglary. Your deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive on SLK-Class insurance.

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Situations that might require an agent

When buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation may require specific advice.

  • Will my rates increase for filing one claim?
  • Is my Mercedes-Benz SLK-Class covered if I use it for business?
  • Do I need replacement cost coverage on my 2010 Mercedes-Benz SLK-Class?
  • What is high-risk coverage and where do I buy it?
  • Does insurance cover tools stolen from my truck?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like ambulance fees, chiropractic care and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical services, structural damage, medical expenses and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This coverage covers damage to your SLK-Class resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, driving through your garage door, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, rock chips in glass, vandalism, a broken windshield and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mercedes-Benz SLK-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Find Good Coverage for Less

In this article, we presented some good ideas how to shop for 2010 Mercedes-Benz SLK-Class insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from the smaller companies.

Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, policy cancellation, delays in responding to claim requests and lack of trust in their agent. It doesn’t matter why you want to switch switching companies can be less work than you think.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability limits or collision coverage and discovered at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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