Cheap 2019 Mercedes-Benz SL-Class Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 18, 2024

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Trying to find the cheapest insurance for your Mercedes-Benz SL-Class could be an all-consuming task, but you can learn our insurance coverage buying tips to save time.

There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to price shop coverage for your Mercedes-Benz and find the lowest price from both online companies and local agents.

Consumers should take time to compare prices yearly due to the fact that insurance prices go up and down regularly. Just because you had the best price for SL-Class coverage a few years ago the chances are good that you can find a lower rate quote today. You can search a lot of insurance coverage online but you can learn the easiest ways to lower your insurance coverage bill.

If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to get lower rates and still get good coverage. Buying the cheapest insurance coverage coverage is simple if you know the tricks. Drivers only need to know the most efficient way to shop their coverage around over the internet.

The best way to compare insurance rates in your area is to know auto insurance companies have advanced systems to give free rates quotes. The one thing you need to do is provide the companies a bit of rating information including whether your vehicle is owned or leased, whether you are single or married, driver details, and how much you drive. The data is instantly submitted to all major companies and you receive quotes quickly.

Five things that determine your insurance prices

A large part of saving on car insurance is knowing the factors that play a part in calculating the price you pay for car insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

  • High premiums for younger drivers – Older people are shown to be more cautious, are lower risk to insure and tend to be get fewer driving tickets. Young drivers tend to be less responsible in a vehicle therefore car insurance rates are much higher.
  • Higher rates for coverage lapses – Driving without insurance coverage in place is not a good idea and car insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Qualify for multi-policy discounts – Most larger insurance companies apply a discount to clients who consolidate policies with them in the form of a multi-policy discount. Even if you already get this discount, it’s in your best interest to shop around to ensure the best deal. You may still find better rates by buying from different companies.
  • The higher your credit history the lower your premiums – A driver’s credit history can be a huge factor in your rate calculation. If your credit leaves room for improvement, you could be paying less to insure your 2019 Mercedes-Benz SL-Class by taking the time to improve your credit score. Insureds with high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit.
  • Raise your deductibles for better rates – Comprehensive and collision coverage deductibles tell how much you are willing to pay if a covered claim is submitted. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered are collision with another vehicle, damage from fire, and damage caused by road hazards. The more of the claim the insured is willing to pay, the better rate you will receive for SL-Class coverage.

Save money by receiving discounts

Some providers don’t list every available discount very well, so below is a list a few of the more common and the harder-to-find discounts that you can inquire about if you buy car insurance online.

  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Distant College Student Discount – who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
  • Waiver for an Accident – Not necessarily a discount, but companies like Allstate and GEICO will let one accident slide before they charge you more for coverage if your claims history is clear for a set time period.
  • Driver’s Education for Students – Require your teen driver to successfully take a drivers education course as it can save substantially.
  • Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you may have a lower total premium amount.
  • Include Life Insurance and Save – Select insurance companies reward you with a small discount if you purchase life insurance.
  • New Car Discount – Buying insurance on a new vehicle can get you a discount due to better safety requirements for new vehicles.
  • Good Students Pay Less – Being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.

One thing to note about discounts is that most discount credits are not given to the whole policy. Some only reduce individual premiums such as liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The best auto insurance companies and some of the discounts are shown below.

  • State Farm may include discounts for safe vehicle, student away at school, Drive Safe & Save, anti-theft, good driver, and driver’s education.
  • GEICO offers premium reductions for air bags, military active duty, anti-lock brakes, membership and employees, good student, and federal employee.
  • SAFECO offers discounts for anti-theft, accident prevention training, teen safe driver, homeowner, bundle discounts, and teen safety rewards.
  • Farmers Insurance may offer discounts for business and professional, switch companies, distant student, early shopping, alternative fuel, and good student.
  • AAA may have discounts that include good student, pay-in-full, anti-theft, AAA membership discount, and multi-policy.
  • USAA includes discounts for multi-policy, family discount, defensive driver, safe driver, and vehicle storage.

If you want affordable car insurance quotes, ask each company the best way to save money. Some credits might not be offered on policies everywhere. If you would like to see a list of providers that offer some of these discounts, enter your zip code here.

Your auto insurance coverage should be tailored to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions may help you determine if your situation will benefit from professional help.

  • Am I covered if I hit a deer?
  • Is rental equipment covered for theft or damage?
  • Should I have combined single limit or split liability limits?
  • What are the best liability limits?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is UM/UIM insurance?
  • Am I covered when driving a rental car?
  • How high should my medical payments coverage be?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, prosthetic devices, X-ray expenses, funeral costs and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays for damage to your SL-Class caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, rock chips in glass and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Mercedes-Benz SL-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, loss of income and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

More quotes mean more savings

Lower-priced 2019 Mercedes-Benz SL-Class insurance is attainable both online in addition to local insurance agencies, so you need to shop car insurance with both to have the best selection. Some companies may not have price quotes online and many times these smaller companies only sell coverage through local independent agencies.

As you quote car insurance, it’s not a good idea to buy poor coverage just to save money. In many instances, someone sacrificed comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best cost and still be able to protect your assets.

People leave their current company for a variety of reasons including policy non-renewal, extreme rates for teen drivers, denial of a claim or policy cancellation. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

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