1999 Mercedes-Benz S-Class Insurance Rates – 5 Policy Discounts

Looking for the cheapest auto insurance rates for your Mercedes-Benz S-Class? Trying to find low cost auto insurance could be nearly impossible for people who have little experience online price comparisons. With a ridiculous number of companies competing online, it can easily be a lot of work to locate the lowest premium rates.

It’s a great practice to compare rates at least once a year since insurance prices change regularly. Even if you got the lowest price on S-Class coverage six months ago there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Don’t overlook these five insurance discounts

Some insurers don’t always list their entire list of discounts in an easy-to-find place, so we break down some of the best known and also the more inconspicuous credits available to you.

• Claim-Free Discount – Drivers who stay claim-free get the best insurance rates when compared to drivers who are more careless.
• Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Defensive Driver Discounts – Completing a course in defensive driving can save you 5% or more and also improve your driving technique.
• Government Employees – Simply working for the federal government may qualify for a discount when you quote car insurance on S-Class coverage depending on your company.
• Distant Student Discount – Older children who live away from home at college and leave their car at home can receive lower rates.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Some companies that have some of the discounts shown above are:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

Check with each insurance company to apply every possible discount. Discounts might not apply in your area. To locate companies with the best discounts, click here to view.

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Buy auto insurance online

To find the best auto insurance prices, there are several ways of comparing rates from different companies. The best method to lower the rate you pay for 1999 Mercedes-Benz S-Class insurance consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

The simplest way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This easy form saves time by eliminating repetitive form entry for each price estimate. One simple form will return quotes from many national carriers.It’s the quickest way to get rates.

A harder way to shop for auto insurance online consists of going to each company’s website and request a quote. For sake of this example, we’ll pretend you need rates from State Farm, 21st Century and American Family. In order to compare rates, you need to navigate to each company’s site and enter your information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

However you get your quotes, make sure you are using equivalent deductibles and coverage limits with each company. If you enter unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Mercedes-Benz S-Class. Just a small difference in limits may cause a big price difference. It’s important to know that getting more free quotes will improve the odds of getting more affordable rates. Some regional insurers cannot provide prices over the internet, so it’s necessary to compare quotes from them as well.

When to get professional advice

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether your personal situation could use an agent’s help.

• Which is better, split liability limits or combined limits?
• How high should my uninsured/underinsured coverage be in my state?
• Does car insurance cover theft of personal property?
• Exactly who is provided coverage by my policy?
• Can my teen driver be rated on a liability-only vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• Should I get collision insurance on every vehicle?
• Should I buy full coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Switch companies and save? Really?

Well-known car insurance companies like Progressive, Allstate and Geico regularly use ads in print and on television. All the companies make the point that you can save if you move your coverage. But how can every company sell you cheaper insurance coverage? It’s all in the words they use.

Different companies have specific guidelines for the type of driver they prefer to insure. For instance, this type of risk profile should be a mature driver, owns their home, and drives a safe vehicle. A customer who fits those characteristics will get low prices and will save when they switch companies.

Potential insureds who may not quite match those standards will see higher premium rates which usually ends up with the customer buying from someone else. The ads say “customers that switch” not “everyone who quotes” save that much when switching. That’s why insurance companies can confidently make claims like that.

Because each company has a different risk profile, drivers should compare rate quotes every year. It’s not possible to predict which car insurance company will fit you best based on your risk profile.

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Car insurance 101

Having a good grasp of insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 1999 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. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, hitting a mailbox, sustaining damage from a pot hole, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, rock chips in glass, a tree branch falling on your vehicle, hitting a deer and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability – This will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like loss of income, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like dental work, doctor visits, EMT expenses and prosthetic devices. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Power to the consumer

As you quote car insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability coverage limits and learned later that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at the lowest possible cost.

Some insurance providers may not provide online rate quotes regional insurance providers provide coverage only through independent insurance agencies. Cost effective 1999 Mercedes-Benz S-Class insurance can be sourced on the web and from local agencies, so you should be comparing quotes from both to have the best selection.

You just read a lot of ways to compare 1999 Mercedes-Benz S-Class insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding low cost car insurance. You may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Much more information about insurance coverage is located below:

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance 101 (About.com)
• Things to Know Before you Cancel Insurance (Allstate)
• Comprehensive Coverage (Liberty Mutual)

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