1990 Mercedes-Benz 560-Class Insurance Quotes

Trying to find the cheapest auto insurance rates for your Mercedes-Benz 560-Class? Finding better rates for auto insurance is a challenge for people who are new to buying insurance online. Drivers have so many options available that it can turn into more work than you anticipated to compare prices.

Automobile Insurance Quotes

When shopping for auto insurance there are multiple ways to compare quotes from auto insurance companies in your area. The fastest way to compare 1990 Mercedes-Benz 560-Class insurance prices is to get quotes online. It is quite easy and can be accomplished in several different ways.

1. One of the simplest ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quotation requests for each company you want a rate for. One form will get you rate comparisons from many national carriers. It’s definitely the quickest method.
2. A different way to obtain and compare quotes online requires visiting each company’s website to request a price quote. For examples sake, we’ll pretend you want rates from State Farm, Geico and Farmers. You would have to spend time on each company’s site and enter your information, which is why most consumers use the first method.

   For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing identical deductibles and coverage limits for each price quote. If the quotes have different liability limits it will be next to impossible to find the best deal for your Mercedes-Benz 560-Class. Having just a slight variation in coverage limits can result in a big premium difference. Just remember that more quotes provides better odds of finding a better price.

Discounts are great for lower rates

Companies offering auto insurance don’t always publicize every available discount very well, so we break down some of the best known and also the lesser-known savings tricks you should be using.

• New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
• Life Insurance – Larger companies have better rates if you take out life insurance from them.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• Homeowners Pay Less – Simply owning a home can save you money because maintaining a house requires personal responsibility.
• Low Mileage Discounts – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
• Lower Rates for Military – Being deployed with a military unit could mean lower rates.
• Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for 560-Class coverage than their less cautious counterparts.
• Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
• College Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
• Driver Safety – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

To see a list of insurers who offer auto insurance discounts, click here.

You may need specialized coverage

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you could use an agent’s help.

• Exactly who is provided coverage by my policy?
• Does my policy pay for OEM or aftermarket parts?
• Do I need added coverage for expensive stereo equipment?
• Is pleasure use cheaper than using my 1990 Mercedes-Benz 560-Class to commute?
• What is roadside assistance coverage?
• Why am I required to get a high-risk car insurance policy?
• Is my teen driver covered when they drive my company car?
• What is UM/UIM insurance?
• Should I get collision insurance on every vehicle?
• Is rental equipment covered for theft or damage?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Specific coverage details

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, chiropractic care, X-ray expenses, dental work and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage 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. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, hitting a bird, rock chips in glass, damage from a tornado or hurricane and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance – This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair costs for stationary objects, loss of income, structural damage, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Collision coverages – Collision coverage covers damage to your 560-Class caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.