Compare 2014 Mercedes-Benz S-Class Insurance Rates

When searching for more affordable insurance, do you get frustrated by the sheer number of insurance coverage providers? There are such a large number of options that it can easily become a ton of work to find lower premium rates.

You should make it a habit to do rate comparisons periodically due to the fact that insurance prices change regularly. Just because you had the best rates for S-Class coverage a few years ago you will most likely find a better rate quote today. There are a lot of ways to save on insurance coverage online but we’re going to give you some guaranteed methods to slash your insurance coverage rates.

The purpose of this article is to familiarize you with how car insurance quotes work and some tricks to saving. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. But vehicle owners must know the way insurance companies price insurance differently and use this information to your advantage.

Cheaper insurance rates with discounts

Some insurers don’t always publicize every available discount very well, so the list below gives a summary of both well-publicized and also the lesser-known discounts you could be receiving when you buy car insurance online.

• Homeowners Pay Less – Just owning your own home can save a few bucks since owning and maintaining a home is proof that your finances are in order.
• Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if offered at their school.
• Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• E-sign Discounts – A few larger online companies will give a small break for signing up on their website.
• Savings for New Vehicles – Buying a new car model can save up to 30% since new model year vehicles are generally safer.
• Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
• Telematics Data Discounts – Insureds that choose to allow their company to track driving manner remotely such as State Farm’s In-Drive might get better premium rates if their driving habits are good.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, you aren’t that lucky.

Insurance companies that may offer policyholders most of these discounts possibly include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Before buying, ask every company the best way to save money. Some of the earlier mentioned discounts may not apply to policies everywhere. If you would like to view providers that offer some of these discounts, click this link.

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Why smart consumers pay less for Mercedes-Benz S-Class insurance

Many things are part of the equation when you quote your car insurance policy. Some factors are common sense such as your driving history, although others are less apparent such as your credit history or your financial responsibility.Part of the car insurance buying process is learning the factors that go into determining car insurance rates. If you have a feel for what determines base rates, this enables informed choices that could result in much lower annual insurance costs.

• Higher prices for specific jobs – Occupations like military generalsairline pilots and dentists are shown to have higher rates than average in part from intense work-related stress and long work hours. Other jobs like professors, engineers and retirees pay lower than average rates for S-Class coverage.
• Choose high NHTSA crash test ratings and save – Vehicles with high crash test scores can get you lower premiums. Highly rated vehicles have better occupant injury protection and fewer injuries means less claims paid which can mean better rates for you. If your Mercedes-Benz S-Class earned at least four stars on Safercar.gov you may be receiving a better rate.
• Don’t buy extra policy coverages you don’t need – Insurance policies have a lot of extra add-on coverages that sound like a good idea at the time but may not be useful. Add-on coverages like roadside assistance, high-cost glass coverage, and motor club memberships may be wasting your money. They may seem good initially, but your money might be better spent on other coverage so eliminate them to save money.
• Never let your car insurance policy lapse – Driving without insurance is illegal and companies may charge more for letting your insurance lapse. In addition to paying higher rates, failure to provide proof of insurance could earn you a steep fine or even jail time.
• Protect yourself with liability protection – Your car insurance policy’s liability coverage will protect you in the event that a court rules you are at fault for damages from an accident. Your liability coverage provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Cheaper to insure females? – Over the last 30 years, statistics show women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Women and men are responsible for at-fault accidents at about the same rate, but the men tend to have more serious accidents. Men also tend to get more serious tickets like reckless driving and DUI.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might point out if your situation might need an agent’s assistance.

• Am I getting all the discounts available?
• Do I need medical payments coverage since I have good health insurance?
• Can I afford to pay high deductible claims out of pocket?
• If my pet gets injured in an accident are they covered?
• What exactly is covered by my policy?
• Does car insurance cover theft of personal property?
• Do I need more liability coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield, hail damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It 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 for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, attorney fees, emergency aid, medical expenses and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

Collision insurance covers damage to your S-Class resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, crashing into a building, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz S-Class.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for nursing services, EMT expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

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A penny earned…

We just covered some good ideas how you can get a better price on 2014 Mercedes-Benz S-Class insurance. The most important thing to understand is the more you quote car insurance, the better likelihood of getting cheaper car insurance. You may even find the best car insurance rates are with a lesser-known regional company.

People change insurance companies for a number of reasons such as policy cancellation, policy non-renewal, delays in paying claims and even high prices. It doesn’t matter why you want to switch finding a new insurance coverage company is easier than you think.

Cheaper 2014 Mercedes-Benz S-Class insurance can be bought both online as well as from insurance agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies do not offer the ability to get a quote online and most of the time these regional carriers work with independent agents.

To learn more, feel free to visit these articles:

• Event Data Recorders FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)

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