Compare 1993 Mercedes-Benz 400-Class Car Insurance Quotes

Want better insurance rates for your Mercedes-Benz 400-Class? Trying to find better insurance prices for your Mercedes-Benz 400-Class can turn out to be an all-consuming task, but you can follow our insurance buying tips to save time. There is a right way and a wrong way to shop for insurance and you need to know the best way to get price quotes for your Mercedes-Benz and find the cheapest rates.

Consumers should take time to compare prices at least once a year because insurance rates change quite often. Despite the fact that you may have had the best price for 400-Class coverage a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the things you must know in order to buy cheaper insurance.

Low Cost Insurance Coverage

Reducing your 1993 Mercedes-Benz 400-Class insurance rates is not a difficult process. You just need to take a few minutes to compare rate quotes online with multiple companies. This can be accomplished in a couple of different ways.

One of the best ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form saves time by eliminating multiple quote forms for each company. One quote request gets rate comparisons direct from many companies. It’s definitely the quickest method.

A more time consuming way to compare prices requires visiting the website for every company you want to comare to complete their respective quote request forms. For example, let’s say you want rates from Allstate, 21st Century and Progressive. You would have to go to every website and enter your information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

However you get your quotes, make darn sure you compare apples-to-apples coverage information on every quote you get. If each company quotes different limits and deductibles on each one it’s not possible to determine the best price for your Mercedes-Benz 400-Class.

How much can you save with discounts?

Auto insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find ways to save on insurance. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
  • One Accident Forgiven – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
  • Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance because owning a home is proof that your finances are in order.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates for 400-Class coverage.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of providers with the best insurance discounts, click this link.

How much car insurance do I need?

When choosing adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • When can my company non-renew my policy?
  • Can my babysitter drive my car?
  • Am I covered if my car is in a flood?
  • What is the difference between comprehensive and collision coverage?
  • Where can I find DUI or SR-22 insurance?
  • Should I waive the damage coverage when renting a car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What exactly is covered by my policy?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Auto insurance coverage information

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability – This protects you from damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, court costs, attorney fees, legal defense fees and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, prosthetic devices, X-ray expenses, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Collision – Collision insurance will pay to fix damage to your 400-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, a broken windshield and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.