Consumers have a choice when looking for the best price on Mercedes-Benz 500SEL insurance. They can either waste time contacting agents getting price quotes or use the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance so you’re going to learn the quickest way to get price quotes for a new or used Mercedes-Benz and find the best price possible.
It’s a great practice to shop coverage around every six months since insurance rates change regularly. Even if you got the best deal for 500SEL coverage six months ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance online but we’re going to give you some great ideas on how to quit paying high auto insurance rates.
Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you should be able to save some money using these tips. Drivers just need to understand the tricks to shop over the internet.
How to Get Auto Insurance Comparison Quotes
Cutting your auto insurance rates is not a difficult process. All you need to do is spend a few minutes on the computer comparing price quotes online with multiple companies. This can be accomplished using a couple different methods.
- The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do separate quotes for each company you want a rate for. One form submission will return quotes from auto insurance companies with the best prices. This is by far the quickest method.
- A more time consuming way to get comparison quotes is going to each company’s website to request a price quote. For instance, we’ll pretend you want to compare rates from GEICO, Liberty Mutual and Allstate. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.
To view a list of companies in your area, click here.
- The most time-consuming way to get comparison rates is to spend time driving to different agent offices. The internet makes this process obsolete unless you want the personal advice that only a license agent can provide. You can, however, price shop your coverage online and still use a local agent. We’ll cover that shortly.
It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits and deductibles for every quote you compare. If each company quotes different limits and deductibles on each one it will be very difficult to determine which rate is truly the best.
Cut your auto insurance rates with discounts
Auto insurance companies don’t always list all available discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit available, you are paying more than you should be.
- Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
- Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
- Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.
For a list of insurance companies with the best auto insurance discounts, follow this link.
Buying car insurance locally
Certain consumers prefer to visit with an insurance agent. Insurance agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing insurance prices online is you may find better rates and still choose a local agent.
To help locate an agent, after submitting this short form, your insurance data is transmitted to agents in your area who will return price quotes for your business. There is no reason to even leave your home as quotes are delivered straight to your inbox. Now that’s easy!
Picking an provider needs to be determined by more than just the price. Ask your prospective agent these questions:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have professional designations like CIC, CPCU or AIC?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do the coverages you’re quoting properly cover your vehicle?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they regularly work with personal auto policies?
If you prefer to contact a specific insurance agent in your state, visit this site.
Upon receiving positive feedback to these questions and a good coverage price, it’s possible that you found an insurer that can insure your vehicles.
Cheaper insurance is a realistic goal
We covered some good ideas how you can shop for Mercedes-Benz 500SEL insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest rates come from an unexpected company.
Budget-conscious Mercedes-Benz 500SEL insurance can be bought on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
As you restructure your insurance plan, you should never buy less coverage just to save a little money. In many instances, consumers will sacrifice liability coverage limits only to find out that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.
