Save on 2018 Mercedes-Benz S-Class Car Insurance Quotes

Looking for lower car insurance rates for your Mercedes-Benz S-Class? If you’re searching for lower-cost insurance, do you get frustrated by the number of car insurance providers in your area? Lot’s of other people are too. drivers have so many options that it can easily turn into a ton of work to find lower premium rates.

Finding the cheapest insurance is not that difficult. In a nutshell, anyone who is shopping for insurance will be able to save money. But car owners must know the way insurance companies price online insurance and take advantage of how the system works.

Learn how to lower your insurance prices

Many factors are part of the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, although others are not as apparent such as whether you are married and annual miles driven.

• Low physical damage deductibles can be expensive – Comprehensive and collision coverage deductibles are how much you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims would be rearending another vehicle, vandalism, and damage caused by road hazards. The higher the amount you’re willing to pay, the lower your rates will be on S-Class insurance.
• Incidental coverages may be wasting money – There are quite a few extra add-on coverages that may not really be needed if you aren’t careful. Coverage for things like replacement cost coverage, towing coverage, and Farm Bureau memberships may be costing you every month. You may think they are a good idea when you first buy your policy, but if you don’t need them remove them and pocket the money.
• Demanding employer may mean higher prices – Do you work in a high-stress field? Occupations like doctors, architects and medical professionals generally have higher rates than the rest of us due to high stress and incredibly demanding work hours. On the other hand, careers such as scientists, students and performers receive lower rates on S-Class insurance.
• Prices for males may be higher – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Males and females cause accidents in similar percentages, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
• Drive less and save – Driving more miles annually the more you will pay for insurance coverage. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks used primarily for pleasure use receive better premium rates compared to those used for work or business. A policy that improperly rates your S-Class may be costing you higher rates. It’s a smart idea to ensure your declarations sheet is showing the proper vehicle usage, because improper ratings can cost you money.
• Cut premiums and deter theft – Buying a car with a theft deterrent system can save you a little every year. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.

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Save with these money-saving discounts

Some insurance providers don’t always publicize every policy discount very clearly, so the next list breaks down some of the more common and also the lesser-known credits available to you. If you don’t get every credit you deserve, you are throwing money away.

• Military Deployment Discount – Having a deployed family member could qualify you for better prices.
• Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving could save 15% on medical payment and PIP coverage.
• Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• New Car Discount – Buying a new car model is cheaper because new vehicles are generally safer.
• Defensive Driving Course – Taking time to complete a driver safety course can save you 5% or more and easily recoup the cost of the course.

Please keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way.

Popular insurance companies and some of the premium reductions they offer are detailed below.

• American Family includes discounts for defensive driver, multi-vehicle, air bags, bundled insurance, and good student.
• Nationwide may have discounts that include business or organization, anti-theft, good student, family plan, multi-policy, easy pay, and accident-free.
• MetLife may offer discounts for accident-free, good student, good driver, claim-free, and multi-policy.
• 21st Century offers premium reductions for 55 and older, good student, student driver, theft prevention, homeowners, anti-lock brakes, and driver training.
• Farmers Insurance offers discounts including switch companies, good student, teen driver, mature driver, bundle discounts, and early shopping.
• Allstate has savings for premier plus, auto/life discount, new car, resident student, good payer, and FullPay discount.

When comparing rates, check with every company to give you their best rates. All car insurance discounts may not be offered in your area. To see insurers who offer free insurance quotes, click this link.

Buyer beware of insurance coverage advertising tricks

Big name companies like Progressive, Geico, Allstate and State Farm constantly bombard you with ads on television and other media. All the ads tend to make the same promise that drivers can save some big amount if you move your coverage to them. Is it even possible that every company can have lower policy pricing?

Insurance companies have specific characteristics for the type of customer that earns them a profit. A good example of this type of driver might be a married male, has a low-risk occupation, and drives a lower-performance vehicle. Any new insured that meets those criteria may get the lowest car insurance rates and have a good chance to cut their rates if they switch.

Consumers who may not quite match these criteria may receive a higher rate which results in the customer buying from a different company. The ads state “drivers that switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can state the savings.

Each company has different criteria, so you really need to quote coverage with many companies. Because you never know which insurance companies will have the lowest rates.

Do I need special coverages?

When choosing coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight whether you will benefit from professional help.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered if my car is in a flood?
• Do I need added coverage for expensive stereo equipment?
• Why am I required to buy high-risk coverage?
• Am I better off with higher deductibles on my 2018 Mercedes-Benz S-Class?
• Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

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The coverage is in the details

Learning about specific coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses such as funeral costs, doctor visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, bail bonds and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This covers damage to your S-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Don’t throw your cash in the trash

There are still a few companies who may not offer the ability to get a quote online regional carriers sell through independent agents. The cheapest 2018 Mercedes-Benz S-Class insurance can be sourced on the web and from local insurance agents, and you need to price shop both in order to have the best chance of saving money.

Drivers who switch companies do it for any number of reasons including policy cancellation, poor customer service, high rates after DUI convictions and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new car insurance company is easier than you think.

When getting insurance coverage quotes online, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured cut physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Additional information is available on the following sites:

• Vehicle Safety Ratings (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)

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