View 1994 Mercedes-Benz S-Class Car Insurance Quotes

Baffled by the wide range of car insurance companies that you can choose from? Drivers have so many companies available that it can turn into a real difficult job to find the best premium rates.

Buying car insurance is not that difficult. In a nutshell, anyone who carries insurance coverage will be able to cut their insurance bill. But vehicle owners must understand the way insurance companies price insurance differently because it can help you find the best coverage.

Decisions you make can impact your insurance prices

Smart consumers have a good feel for some of the elements that are used to determine the rates you pay for auto insurance. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that could result in lower rates. Lots of factors are used in the calculation when premium rates are determined. Most are fairly basic such as your driving history, but other criteria are more obscure like where you live or how financially stable you are.

• Increase deductibles to save – Physical damage protection, aka comp and collision, covers your vehicle from damage. Some examples of covered claims are a broken windshield, damage from fire, and having your car stolen. The deductibles you choose represent how much money you are willing to pay before your auto insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the less your company will charge you for insurance for S-Class insurance.
• Pleasure use saves money – The more miles you rack up on your Mercedes-Benz each year the more it will cost to insure it. Most insurance companies charge rates partially by how you use the vehicle. Cars and trucks that have low annual miles cost less to insure than those that get driven frequently. An incorrectly rated S-Class can cost quite a bit. Make sure your declarations sheet states how each vehicle is driven.
• Vehicle options that lower premiums – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
• Teenagers are high risk – More mature drivers have been proven to be more responsible, statistically cause fewer accidents .Drivers with little experience have been known to be inattentive and easily distracted behind the wheel therefore auto insurance rates are much higher.
• Liability insurance limits are a factor – Your auto insurance policy’s liability coverage is the protection in the event that you are ruled to be at fault for damages from an accident. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Premiums are affected by your credit history – Having a bad credit rating is a large factor in calculating your auto insurance rates. Consumers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with worse credit. If your credit is not that good, you may save money insuring your 1994 Mercedes-Benz S-Class if you improve your credit rating.
• Certain jobs pay higher premiums – Did you know your auto insurance rates can be affected by your occupation? Occupations like fire fighterspolice officers and financial analysts have higher premiums than the average policyholder attributed to high stress and lengthy work days. Other careers like actors, historians and the unemployed receive lower rates for S-Class insurance.

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Insurance discounts help cut rates

Companies don’t list every discount they offer in a way that’s easy to find, so the next list breaks down some of the more common as well as the least known discounts you could be receiving when you buy insurance coverage online.

• Discounts for New Vehicles – Buying insurance on a new vehicle may earn a small discount since new model year vehicles are generally safer.
• Government Employees – Having worked for a branch of the government can save as much as 8% for S-Class insurance depending on your insurance provider.
• Good Students Pay Less – Being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
• One Accident Forgiven – Not necessarily a discount, but a few companies such as Geico and Liberty Mutual allow you one accident without the usual rate increase so long as you haven’t had any claims before the accident.
• Save over 55 – If you qualify as a senior citizen, you can get a small decrease in premiums for S-Class insurance.
• Paper-free Discount – A handful of companies give back up to $50 for signing up over the internet.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, it’s just not the way it works.

Companies and some of the discounts include:

• State Farm includes discounts for defensive driving training, safe vehicle, multiple autos, good student, Steer Clear safe driver discount, and accident-free.
• Geico has savings for multi-vehicle, military active duty, defensive driver, emergency military deployment, membership and employees, and multi-policy.
• Liberty Mutual has discounts for multi-policy, preferred payment discount, new vehicle discount, multi-car, newly married, and hybrid vehicle.
• The Hartford may offer discounts for anti-theft, vehicle fuel type, bundle, good student, and driver training.
• MetLife offers premium reductions for accident-free, claim-free, defensive driver, good driver, and good student.
• Progressive discounts include multi-vehicle, online signing, online quote discount, homeowner, good student, continuous coverage, and multi-policy.

When quoting, ask every prospective company which discounts they offer. A few discounts may not apply everywhere.

Slick advertising tricks that work

Big name companies like State Farm and Allstate seem to constantly run ads on television and other media. They all convey the message about saving some big amount just by moving to them. How does each company cost less than your current company? It’s all in the wording.

Auto insurance companies have specific guidelines for the type of driver that will be a good risk. For instance, a profitable customer should be over age 30, carries high limits, and drives less than 5,000 miles a year. Someone that hits that “sweet spot” will qualify for the lowest car insurance rates and therefore will save quite a bit of money when switching.

Insureds who may not quite match those criteria must pay higher premiums which translates to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people that switch” not “everybody who quotes” save that much. That is how companies can truthfully make those statements. This really drives home the point why it is so important to get insurance coverage quotes as often as possible. Because you cannot predict which auto insurance company will give you the biggest savings.

Which is the best insurance coverage?

When buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions might point out whether you may require specific advice.

• Am I covered when driving someone else’s vehicle?
• Am I covered if my car is in a flood?
• When should I not file a claim?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I have coverage when using my vehicle for my home business?
• What companies insure drivers after a DUI or DWI?
• Is borrowed equipment or tools covered if stolen or damaged?
• When does my teenage driver need to be added to my policy?
• Why am I required to buy high-risk coverage?
• Is my state a no-fault state?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

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The coverage is in the details

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as ambulance fees, nursing services, chiropractic care and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your S-Class from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, crashing into a ditch, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability coverages

This coverage can cover damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as loss of income, bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

What is YOUR best insurance company?

People who switch companies do it for many reasons like denial of a claim, being labeled a high risk driver, extreme rates for teen drivers or even poor customer service. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

We just presented many tips how you can save on 1994 Mercedes-Benz S-Class insurance. The key concept to understand is the more times you quote, the higher your chance of finding affordable insurance coverage. You may even find the best price on car insurance is with the smaller companies.

As you quote insurance coverage, it’s not a good idea to buy poor coverage just to save money. Too many times, an insured dropped uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

Additional learning opportunities

• Determing Auto Insurance Rates (Geico)
• What is Full Coverage? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• Teen Driving and Texting (State Farm)

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