1991 Mercedes-Benz 350-Class Insurance Cost – 8 Tips to Save

Looking for cheaper car insurance rates? Shoppers have many options when shopping for low-cost Mercedes-Benz 350-Class insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to compare rates.

There is a better way to shop for car insurance and we’ll show you the best way to quote coverages on a Mercedes-Benz and obtain the lowest price from local insurance agents and online providers.

Finding insurance

There are several ways to shop for insurance, but some are easier and takes less work. You could spend your day talking to insurance agencies in your area, or you could use the internet to get the quickest rates.

Most of the larger companies participate in a marketplace where prospective buyers enter their coverage request one time, and every company provides a quote based on the submitted data. This saves time by eliminating quote forms for every insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you don’t know exactly the providers to receive prices from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just double check that you are using the exact same coverage limits for every quote you compare. If each company quotes differing limits you will not be able to determine the lowest rate for your Mercedes-Benz 350-Class.

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Do you qualify for discount car insurance?

Auto insurance companies don’t necessarily list every discount very well, so we break down some of the more common and also the lesser-known discounts that you can inquire about if you buy insurance online.

• Multi-car Discount – Having more than one vehicle on a single policy can reduce rates for all insured vehicles.
• Good Grades Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Professional Memberships – Participating in specific professional or occupational memberships or organizations could trigger savings on your next car insurance statement.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Safety Course Discount – Successfully completing a course teaching defensive driver skills is a good idea and can lower rates and also improve your driving technique.
• Discount for Low Mileage – Fewer annual miles on your Mercedes-Benz may enable drivers to earn slightly better rates than normal.
• Life Insurance Discount – Larger insurance companies have a discounted car insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
• Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can actually save on your bill.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.

Some companies that may include these benefits may include but are not limited to:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

When getting a coverage quote, ask every insurance company the best way to save money. Some discounts listed above might not be offered on policies in your area.

What insurance coverages do I need?

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions may help you determine whether you might need an agent’s assistance.

• Is borrowed equipment or tools covered if stolen or damaged?
• What is covered by UM/UIM coverage?
• Does my 1991 Mercedes-Benz 350-Class qualify for pleasure use?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How much underlying liability do I need for an umbrella policy?
• When should I not file a claim?
• Do I need added coverage for expensive stereo equipment?
• Where can I find high-risk insurance?
• Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 1991 Mercedes-Benz 350-Class.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as funeral costs, rehabilitation expenses and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your 350-Class resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

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Cheaper insurance is a realistic goal

When you buy insurance online, you should never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

We covered many ways to save on 1991 Mercedes-Benz 350-Class insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the best rates are with a small mutual company.

Consumers change insurance companies for a variety of reasons including not issuing a premium refund, policy cancellation, extreme rates for teen drivers or high prices. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

Other resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Electronic Stability Control FAQ (iihs.org)

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