Slash your Mercedes-Benz 350SDL Insurance Rates in Three Steps
If finding the lowest rate on car insurance was easy, most people would have no trouble paying less. But the reality is, you probably don't enjoy it and you think it costs too much. Cutting the check for each renewal on your Mercedes-Benz 350SDL might give you the same feeling.
Step One: Compare Online Rate Quotes
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Not anymore!
All the major car insurance companies sell insurance for a Mercedes-Benz 350SDL and you don't even have to visit each individual website!
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your 350SDL is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Insider Tips for Finding Cheaper 350SDL Insurance
How much impact insuring your Mercedes-Benz has on your wallet is controlled by many different factors. Here are some ways to reduce the negatives and improve the positives.
- If you need the extra performance that your Mercedes-Benz 350SDL gives you, then you'll have to pay extra to insure it. Higher performance cars tend to be more expensive to insure.
- How is your credit rating? The better credit you have, the less insurance will cost for your 350SDL. If you have bad credit, work on improving your credit score and repair past credit problems.
- Repair shops have more expenses when repairing damage on luxury vehicles, so they will charge your insurance company more to make the repairs. This will be evident in your insurance rates even if you don't have a claim.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- Particular years and models of cars tend to be frequently stolen, and if your 350SDL is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Finalize your Policy Details
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your 350SDL with.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Mercedes-Benz added prior to the expiration of this grace period. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new 350SDL at risk as soon as you drive away.
Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
The Insurance Information Institute is the industry authority for consumer car insurance information.
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