1998 Mercedes-Benz SLK-Class Insurance Quotes – 9 Tips for Best Rates

Looking for better insurance coverage rates for your Mercedes-Benz SLK-Class? Searching for low-cost insurance coverage online is rather challenging for consumers new to shopping for insurance online. With so many choices of choices, how can you possibly compare the different rates to find the best available rates?

It is always a good idea to compare rates periodically because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates for SLK-Class insurance two years ago you will most likely find a better rate today. So just block out anything you think you know about insurance coverage because we’re going to show you the fastest and easiest way to reduce your cost while increasing coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to save some money using these techniques. But vehicle owners can benefit from knowing the way companies market insurance on the web because it can help you find the best coverage.

Cut your auto insurance rates with these nine discounts

Car insurance companies do not advertise every available discount in a way that’s easy to find, so we researched both well-publicized and the more hidden discounts you could be receiving.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercedes-Benz could be rewarded with lower rates on the low mileage vehicles.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% for SLK-Class insurance.
  • Driver Safety – Taking a driver safety course can save you 5% or more if you qualify.
  • Memberships – Being a member of a civic or occupational organization could trigger savings when shopping for auto insurance for SLK-Class insurance.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Claim Free – Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for SLK-Class insurance than less cautious drivers.

It’s important to note that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

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

How to Lower Your Insurance Cost

Most major insurance companies such as Progressive, Geico, Allstate and State Farm allow you to get prices directly from their websites. Getting online quotes is fairly straightforward as you just enter your required coverages as detailed in the form. After you submit the form their rating system gets your credit score and driving record and quotes a price.

This makes it a lot easier to compare rates but the time required to go to a lot of sites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you are searching for lower prices.

A less time-consuming method to get multiple rate quotes is to use a quote form that obtains quotes from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison a little more enjoyable. As soon as you send your information, it is quoted and you can select your choice of the quote results. If you find a better price it’s easy to complete the application and purchase the new policy. It just takes a couple of minutes and may save quite a bit of money.

To quickly find out if lower rates are available, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you input the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will get an apples-to-apples comparison for similar coverage.

You are unique and your car insurance should be too

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if you might need an agent’s assistance.

  • Do I have coverage if my license is suspended?
  • Are there companies who specialize in insuring high-risk drivers?
  • How high should deductibles be on a 1998 Mercedes-Benz SLK-Class?
  • Does medical payments coverage apply to all occupants?
  • Do I have coverage when pulling a U-Haul trailer?
  • How much can I save by bundling my policies?
  • When should I buy a commercial auto policy?
  • Is my Mercedes-Benz SLK-Class covered if I use it for business?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy specifics

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability car insurance

This coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not 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. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like court costs, pain and suffering, structural damage and medical services. How much coverage you buy is your choice, but consider buying as much as you can afford.

Comprehensive insurance

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

Comprehensive coverage protects against claims like vandalism, theft, hitting a bird, damage from a tornado or hurricane and hail damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage covers damage to your SLK-Class from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses like X-ray expenses, nursing services, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz SLK-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

One last thing

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where someone sacrificed physical damage coverage only to find out that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Lower-priced 1998 Mercedes-Benz SLK-Class insurance can be sourced both online as well as from independent agents, so you should compare both to have the best selection. Some companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

Consumers change insurance companies for a variety of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, high rates after DUI convictions or not issuing a premium refund. Whatever your reason, switching insurance companies can be easy and end up saving you some money.

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