6 Tips Proven to Save Money on Mercedes-Benz 350SDL Car Insurance Costs

Feel like you’re a prisoner to high-priced car insurance? Believe me when I say you’re not the only one.

Numerous insurers battle to insure your vehicles, so it’s not easy to compare every company to find the absolute best price available.

It’s smart to price shop coverage yearly due to the fact that insurance rates change quite often. Just because you had the lowest rates on 350SDL coverage on your last policy other companies may now be cheaper. Starting right now, ignore everything you know about car insurance because you’re going to learn the fastest and easiest way to lower your annual insurance bill.

Free Car Insurance Quotes

There are multiple methods you can shop for car insurance and some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.

Many of the larger companies take part in a program where insurance shoppers complete one form, and every company returns a competitive quote based on that information. This prevents consumers from doing quotation requests to each individual car insurance company.

To get comparison pricing now click here to start a free quote.

One minor caviat to comparing rates this way is you are unable to specify the companies to get pricing from. So if you prefer to choose specific providers to compare prices, we put together a list of the cheapest car insurance companies in your area. Click to view list.

Which method you use is up to you, but ensure you’re using apples-to-apples information for every quote you compare. If you have different values for each quote you will not be able to make a fair comparison for your Mercedes-Benz 350SDL. Slightly different coverage limits may result in a large different in cost. And when price shopping your coverage, quoting more gives you a better chance of getting the best rates.

Can you really save that much by switching?

Companies like State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. All the ads have a common claim that you’ll save big if you switch to them. How can each company say the same thing?

Different companies are able to cherry pick for the type of customer that is profitable for them. For example, a desirable insured might be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. Any driver who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Consumers who don’t meet these standards will have to pay higher prices which leads to business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can state the savings. Because of the profiling, you should get as many comparisons as possible. It’s just too difficult to predict the company that will provide you with the cheapest rates.<img class="alignright" style="padding-top:15px;" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-42.jpg" alt=" insurance quotes“/>

Companies offer discounts so take them!

Auto insurance companies don’t always publicize all their discounts very clearly, so here is a list some of the best known and the more hidden discounts you could be receiving.

Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Sign Online – Certain companies may give you up to $50 just for signing your application digitally online.
College Student – Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

It’s important to note that some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you may require specific advice.

Does my policy cover me when driving someone else’s vehicle?
Am I covered when driving on a suspended license?
Do I need PIP (personal injury protection) coverage in my state?
Is my dog or cat covered if injured in an accident?
How much liability do I need to cover my assets?
Do I have coverage when using my vehicle for my home business?
Are my friends covered when driving my Mercedes-Benz 350SDL?
Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

The coverage is in the details

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average car insurance policy.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Mercedes-Benz 350SDL.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, emergency aid, structural damage and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, fire damage, a broken windshield and rock chips in glass. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote more, save more

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. In many cases, drivers have reduced liability limits or collision coverage only to find out they didn’t have enough coverage. The proper strategy is to get the best coverage possible at a price you can afford.

Affordable Mercedes-Benz 350SDL insurance can be found online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.