1991 Mercedes-Benz 190-Class Insurance Rates – 8 Tips for Cheaper Quotes

Consumers have many options when looking for low-cost Mercedes-Benz 190-Class insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to find the lowest rates. There is a better way to find insurance coverage online so you’re going to learn the quickest way to price shop coverage for your Mercedes-Benz and obtain the lowest price from local insurance agents and online providers.

Consumers need to check insurance coverage prices occasionally due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the best price for 190-Class coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the easiest way to find the best coverage while lowering your premiums.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you should be able to save some money using this information. Vehicle owners only need an understanding of how to compare prices online.

Verify you’re getting all your discounts

Auto insurance companies don’t list every discount very clearly, so we researched both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Passive Restraints – Vehicles with factory air bags can qualify for discounts of more than 20%.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Early Signing – A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for 190-Class coverage than their less cautious counterparts.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Club Memberships – Participating in a qualifying organization could qualify you for a break on your policy for 190-Class coverage.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.

Drivers should understand that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Companies that may have these benefits include:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

Automobile Insurance Quotes

Lowering your 1991 Mercedes-Benz 190-Class insurance rates is not a difficult process. You just need to invest a little time to compare quotes provided by online insurance companies. This can be done in several different ways.

  • The most efficient way to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form keeps you from doing boring form submissions for each company you want a rate for. In just a few minutes this one form will return quotes direct from many companies. Just one form and you’re done.
  • A slightly less efficient method to shop for insurance online is spending the time to visit the website for each individual company and request a quote. For sake of this example, we’ll assume you want to compare rates from USAA, Allstate and Geico. To find out each rate you need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

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

It’s up to you which method you use, but be sure to compare apples-to-apples coverage limits and deductibles with every price quote. If each company quotes unequal deductibles or liability limits then you won’t be able to decipher which rate is best.

When should I talk to an agent?

When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether or not you may require specific advice.

  • Should I buy additional glass protection?
  • Is my custom paint covered by insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my state a no-fault state?
  • What if I don’t agree with a claim settlement offer?
  • I don’t drive much so do I pay less?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages explained

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, rehabilitation expenses, nursing services, surgery and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1991 Mercedes-Benz 190-Class.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, hail damage and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage can cover damage or injury you incur to other people or property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has 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 values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like repair bills for other people’s vehicles, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

In conclusion

We covered quite a bit of information on how to reduce 1991 Mercedes-Benz 190-Class insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from some of the lesser-known companies.

People change insurance companies for any number of reasons including high prices, being labeled a high risk driver, unfair underwriting practices and poor customer service. It doesn’t matter why you want to switch finding a new insurance company can be less work than you think.

When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced physical damage coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.

To read more, take a look at the resources below: