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Mercedes-Benz 190-Class Insurance Rates

Finding cheaper car insurance through online rate quotes can be fast and easy, in addition you might just save a little. The most important part is getting as many rate quotes as possible so you can get every option.

If you are a novice to online car insurance shopping, you may be confused by the hoards of car insurance companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The quickest method to find competitive 190-Class insurance quotes is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine 190-Class insurance cost

Auto insurance rates for a Mercedes-Benz 190-Class can be significantly different depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • The size of your community
  • How many miles you drive
  • Men typically pay more than women
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • What you do for a living
  • The amount of protection requested
  • Owning a home can lower rates

A final factor which can affect 190-Class insurance rates is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so repair costs tend to be lower which may result in lower rates. But more recent Mercedes-Benz vehicles may have a trim level with safety features including lane departure warning system, a telematics system, and adaptive headlights that may help give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Auto liability

This coverage will cover injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage

This will pay to fix damage to your Mercedes-Benz caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. 190-Class collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your Mercedes-Benz 190-Class comprehensive insurance. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Mercedes-Benz 190-Class Insurance Rates?