2008 Mercedes-Benz S-Class Car Insurance Quotes

Did a good deal turn out to be high-priced insurance? Say no more because there are many people just like you.

You have so many auto insurance companies to insure vehicles with, and although it’s nice to have a choice, it makes it harder to compare rates.

Consumers should take time to quote other rates before your next renewal due to the fact that insurance prices are rarely the same from one policy term to another. If you had the best quotes for S-Class coverage a couple years back the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because we’re going to show you one of the easiest ways to find better rates and still maintain coverage.

The quickest method we recommend to compare rates is to realize most of the bigger providers participate in a system to give you rate quotes. To start a quote, the only thing you need to do is give them rating details including your credit rating estimate, if your license is active, whether your vehicle is owned or leased, and if you went to college. That information is submitted instantly to many of the top insurers and they return quotes almost instantly.

Truth in auto insurance advertising

Auto insurance companies such as Allstate, GEICO and Progressive regularly use television, radio, and online ads. All the ads have a common claim that drivers will save a bundle just by moving your coverage to them. But how can every company charge you a lower premium? You have to listen carefully.

Most companies have an ideal profile for the type of customer that is profitable for them. An example of this type of driver might have to be over the age of 50, is a homeowner, and drives a lower-performance vehicle. A customer who matches those parameters will qualify for the lowest prices as well as save if they switch.

People who do not match this stringent profile will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The wording the ads use say “drivers that switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully make the claims of big savings. This really emphasizes why it’s extremely important to do a rate comparison at every renewal. It’s just not possible to know the company that will fit your personal profile best.

Find hidden discounts to get affordable car insurance rates

Car insurance is not inexpensive, but you might already qualify for some discounts that you may not know about. A few discounts will be applied when you get a quote, but some discounts are required to be manually applied prior to receiving the credit.

  • More Vehicles More Savings – Insuring primary and secondary vehicles on one policy can get a discount on all vehicles.
  • Telematics Data – Insureds that choose to allow companies to spy on driving manner by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they have good driving habits.
  • Online Discount – A few larger online companies give back up to $50 get car insurance on their website.
  • New Car Discount – Insuring a new car can get you a discount due to better safety requirements for new vehicles.
  • Government Employee Discount – Active or former government employment may reduce rates when you quote car insurance for S-Class coverage with a few car insurance companies.
  • Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education as it can save substantially.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle up can save up to 15% off the PIP or medical payment premium.

Don’t be surprised that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and a partial list of their discounts are shown below.

  • GEICO discounts include multi-vehicle, anti-lock brakes, good student, air bags, and defensive driver.
  • Auto-Owners Insurance may offer discounts for student away at school, safe vehicle, anti-lock brakes, paperless, multiple vehicles, air bags, and teen driver.
  • American Family has savings for mySafetyValet, air bags, bundled insurance, good driver, multi-vehicle, early bird, and defensive driver.
  • Esurance policyholders can earn discounts including online shopper, Pac-12 alumni, emergency road assistance, claim free, anti-lock brakes, and safety device.
  • Progressive has discounts for multi-vehicle, good student, online quote discount, continuous coverage, homeowner, and multi-policy.
  • State Farm offers discounts including good driver, student away at school, Steer Clear safe driver discount, accident-free, driver’s education, multiple autos, and multiple policy.
  • AAA offers discounts for good student, pay-in-full, good driver, multi-policy, and anti-theft.

Check with every insurance company the best way to save money. A few discounts may not be offered in your area. To find insurers with the best car insurance discounts, click this link.

Tailor your insurance coverage to you

When choosing adequate coverage, there is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Does my 2008 Mercedes-Benz S-Class qualify for pleasure use?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • What vehicles should carry emergency assistance coverage?
  • What is the rate difference between pleasure use and commuting?
  • Do I really need UM/UIM coverage?
  • Is my trailer covered?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverages for a Mercedes-Benz S-Class

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz S-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like funeral costs, pain medications, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive auto coverage – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, damage from flooding and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability coverages – Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, medical expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Don’t throw your cash in the trash

Cost effective 2008 Mercedes-Benz S-Class insurance is attainable both online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not offer price quotes online and most of the time these small, regional companies only sell through independent agents.

When you buy car insurance online, do not reduce coverage to reduce premium. There are too many instances where an insured cut full coverage and discovered at claim time that it was a big mistake. The aim is to buy enough coverage at the best cost but still have enough coverage for asset protection.

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