Searching for better insurance prices for a Mercedes-Benz SLK250 could be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the best way to get price quotes on a Mercedes-Benz and get the lowest price.
Car Insurance Comparison Rates
Effectively comparing car insurance prices is a ton of work if you don’t understand the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could use the internet to accomplish the same thing much quicker.
Many companies take part in a program where prospective buyers enter their policy data once, and each participating company can provide price quotes for coverage. This system prevents you from having to do quote requests to each individual car insurance company.
To participate in this free quote system, click here (opens in new window).
The one downside to doing it this way is you cannot specify the providers you want pricing from. If you would rather choose specific providers to compare rates, we have a page of car insurance companies in your area. Click to view list.
Whichever way you use, ensure you are comparing the exact same deductibles and coverage limits for every company. If each company quotes different values for each quote you will not be able to determine which rate is truly the best. Slightly different insurance coverages can result in a big premium difference. Just keep in mind that more quotes helps locate the best rates.
Everyone needs different coverages
When it comes to choosing coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.
- Will I lose any money if I cancel my policy before it expires?
- Do no-fault laws apply in my state?
- What should my uninsured motorist coverage limits be in my state?
- Does my Mercedes-Benz SLK250 qualify for pleasure use?
- Do I need higher deductibles?
- When would I need additional glass coverage?
- Is my business laptop covered if it gets stolen from my vehicle?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Won’t my local insurance agent miss me?
Some consumers just want to buy from a local agent and there is nothing wrong with that. One of the great benefits of getting online price quotes is you may find the lowest rates but still work with a licensed agent.
Upon completion of this short form, your information is transmitted to agents in your area who will return price quotes for your business. You won’t need to even leave your home because quoted prices will be sent to the email address you provide. Now that’s easy! You can find better rates without the usual hassles of price shopping.
Picking an provider needs to be determined by more than just a cheap price. Here are some questions to ask:
- Are claim adjusters local or do you have to take your car somewhere else?
- What will you get paid if your car is a total loss? How is that amount determined?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do the coverages you’re quoting properly cover your vehicle?
- If they are an independent agency, which companies do they recommend?
- Can they give you a list of client referrals?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
The different types of insurance agents
When finding a local agent, there are two different types of agents to choose from. agents can either be captive or independent.
Captive Insurance Agents
These agents can only write with one company and examples are Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. Captive agencies receive extensive training on their products and sales techniques which helps them compete with independent agents. Some people will only buy insurance from these agents mainly due to high brand loyalty and solid financial strength.
Independent Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent.
When shopping rates, it’s recommended you contact several independent insurance agents for maximum quote selection.Most can insure with smaller companies which can be an advantage.
For a complete listing of insurance agencies, click here.
Once you have reasonable responses to any questions you have and an affordable coverage quote, you may have just found an insurance agency that will provide car insurance coverage.
