2007 Mercedes-Benz S-Class Car Insurance Quotes

Tired of trying to scrape together enough money to buy insurance? You are in the same boat as millions of other drivers. Because there are so many companies to choose from, it’s difficult to find the best insurance company.

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

Lots of things are taken into consideration when pricing auto insurance. Some are pretty understandable such as your driving history, but other criteria are not quite as obvious such as your marital status or your financial responsibility.

The list below includes some of the factors used by companies to determine your premiums.

  • Lower rates for married couples – Having a significant other can actually save you money on your auto insurance bill. It generally demonstrates drivers are more mature it has been statistically shown that married drivers get in fewer accidents.
  • More traffic equals higher rates – Living in areas with lower population may provide you with better prices when buying auto insurance. Drivers who live in large cities tend to have traffic congestion and longer commute times. Lower population translates into fewer accidents in addition to lower liability claims
  • Use one insurance company and save – The majority of auto insurance companies afford better rates for people who buy several policies from them in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to check prices from other companies to verify if the discount is saving money. You may still be able to find a better deal even if you have your coverage with different companies
  • Use but don’t abuse your insurance – If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Auto insurance companies generally give lower rates to drivers who are claim-free. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Save by driving safer cars – Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies which can result in lower premiums. If your Mercedes-Benz S-Class scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Pleasure use or commuting – The more you drive in a year’s time the more you’ll pay to insure it. Many insurance companies apply a rate based on how the vehicle is used. Autos that have low annual miles receive better premium rates than those that get driven frequently. An incorrectly rated S-Class may be costing you higher rates. Double check that your policy states how each vehicle is driven, because improper ratings can cost you money.
  • Traffic violations mean higher costs – Being a careful driver impacts your car insurance rates tremendously. Even one ticket can boost insurance rates substantially. Attentive drivers have lower premiums as compared to those with violations. Drivers who get flagrant violations such as DUI, reckless driving or excessive speeding are required to complete a SR-22 with their state motor vehicle department in order to prevent a license revocation.

The fastest way that we advise to compare policy rates utilizes the fact most of the larger companies actually pay money for the chance to compare their rates. To get started, all you need to do is provide details such as if it has an alarm system, what you do for a living, if you lease or own, and if you require a SR-22. That rating data gets sent immediately to many different companies and you should receive rate quotes immediately.

To get price quotes for your Mercedes-Benz S-Class now, click here and enter your coverage details.

Advertising myths

Consumers can’t avoid all the ads that claim the best premium rates by State Farm, GEICO and Progressive. All the ads state the claim that drivers can save some big amount just by moving your car insurance coverage to their company.

That’s great but how can every company claim to save you money? It’s all in the wording.

Most companies give the best rates for the type of driver that is profitable for them. One example of a driver they prefer should be between the ages of 30 and 45, has a clear driving record, and drives newer vehicles. Someone who fits those characteristics will qualify for the lowest premium rates and therefore will save money with a new company.

Insureds who don’t measure up to this ideal profile will be charged a higher premium and this results in the customer buying from a different company. Company advertisements say “customers who switch” not “all people who quote” will save that much if they switch. This is how companies can advertise the way they do.

Because of this risk profiling, you really need to compare as many free car insurance quotes as you can. It is just not possible to predict which insurance companies will fit you best based on your risk profile.

Do you qualify for discount car insurance?

Companies that sell car insurance do not list every discount they offer very well, so we researched both the well known and also the lesser-known discounts you could be receiving when you buy car insurance online.

  • Responsible Driver Discount – Accident-free drivers can save up to 40% or more on their car insurance quote on S-Class insurance as compared to drivers with claims.
  • Federal Employees – Having worked for a branch of the government can save as much as 8% on S-Class insurance with some car insurance companies.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for discounted prices on garaged vehicles.
  • Policy Bundle Discount – If you can bundle your homeowners and auto insurance and insure them with the same company you may save approximately 10% to 15%.
  • Good Student – Performing well in school may save you up to 25%. You can use this discount normally until age 25.
  • Senior Citizen Discount – If you qualify as a senior citizen, you could receive a small decrease in premiums on S-Class insurance.
  • Distant Student – College-age children who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.

A quick disclaimer, some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.

Popular car insurance companies and their possible discounts are:

  • State Farm has savings for driver’s education, safe vehicle, anti-theft, accident-free, Steer Clear safe driver discount, multiple policy, and passive restraint.
  • Liberty Mutual discounts include preferred payment discount, teen driver discount, new move discount, good student, and new graduate.
  • American Family offers discounts including accident-free, mySafetyValet, good student, TimeAway discount, good driver, and air bags.
  • Progressive offers premium reductions for homeowner, multi-vehicle, online signing, good student, continuous coverage, and online quote discount.
  • Farmers Insurance may include discounts for switch companies, youthful driver, electronic funds transfer, alternative fuel, distant student, and mature driver.
  • Auto-Owners Insurance may have discounts that include paid in full, multiple vehicles, company car, good student, and multi-policy.
  • SAFECO has discounts for teen safety rewards, accident prevention training, drive less, safe driver, and bundle discounts.

When quoting, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders everywhere. If you would like to see a list of insurers with the best car insurance discounts, follow this link.

What insurance coverages do I need?

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether or not you could use an agent’s help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What exactly is covered by my policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is high-risk coverage and where do I buy it?
  • Can I rent a car in Mexico?
  • How can I get my company to pay me more for my totalled car?
  • What discounts do I qualify for?
  • What are the best liability limits?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Having a good grasp of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Coverage for collisions

This coverage will pay to fix damage to your S-Class caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, rolling your car, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage will cover damage or injury you incur to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like emergency aid, structural damage, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, damage from flooding, falling objects and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or 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 medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like rehabilitation expenses, EMT expenses, nursing services and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz S-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Be a smart shopper

There are still a few companies who may not have the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent agents. Affordable 2007 Mercedes-Benz S-Class insurance is definitely available on the web in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are too many instances where drivers have reduced liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

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