Cheaper 2016 Mercedes-Benz S-Class Car Insurance Rates

If you are new to getting auto insurance quotes online, most likely you are overwhelmed thanks to the vast number of companies all offering big savings.

Smart consumers take time to get comparison quotes occasionally because auto insurance prices change regularly. If you had the lowest price on S-Class insurance a couple years back a different company probably has better rates today. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to buy cheaper auto insurance.

The purpose of this post is to let you in on how to effectively get price quotes and some tips to save money. If you currently have car insurance, you should be able to cut costs considerably using this strategy. Nevertheless, drivers must learn the methods companies use to determine prices and take advantage of how the system works.

How to get free auto insurance quotes online

All the larger auto insurance companies such as GEICO, State Farm and Progressive allow consumers to get pricing on their websites. Doing online quotes doesn’t take much effort as all you need to do is type in the coverages you want into the form. Once entered, the system makes automated requests for your credit score and driving record and gives you a price quote based on these factors.

This makes it easy to compare insurance prices but the work required to visit each company’s website and repetitively type in your information can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible if you want to find the best price possible.

The smarter way to get multiple rate quotes makes use of a single form that obtains quotes from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes online price comparison a lot less work. Once the form is submitted, it is rated and you are able to buy your choice of the price quotes you receive.

If you find a better price you simply finish the application and buy the policy. This process only takes a few minutes and may save quite a bit of money.

To save time and get comparison pricing now, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you input the limits and deductibles just like they are on your policy. Doing this assures you will get a price comparison for similar coverage.

Save money with these insurance discounts

Companies that sell car insurance do not list every available discount in an easy-to-find place, so below is a list some of the best known and also the more inconspicuous credits available to bring down your rates.

  • Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Homeowners Discount – Just owning your own home can save you money since home ownership means you have a higher level of financial diligence.
  • Full Payment Discount – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Buy New and Save – Insuring a new car can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • 55 and Retired – Drivers over the age of 55 may receive a small discount on rates on S-Class insurance.

As a sidenote, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Large insurance companies and the discounts they provide are included below.

  • Progressive discounts include online signing, multi-vehicle, multi-policy, continuous coverage, good student, and homeowner.
  • GEICO has savings for membership and employees, military active duty, multi-policy, five-year accident-free, and defensive driver.
  • State Farm offers discounts including passive restraint, multiple autos, driver’s education, anti-theft, and Steer Clear safe driver discount.
  • Esurance offers premium reductions for good driver, Switch & Save, homeowner, safety device, defensive driver, and multi-car.
  • The Hartford policyholders can earn discounts including driver training, vehicle fuel type, air bag, bundle, anti-theft, good student, and defensive driver.

Check with all companies you are considering to apply every possible discount. Discounts may not apply to policies in every state.

Insurance can get complicated

When buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Exactly who is provided coverage by my policy?
  • Am I covered if hit by an uninsured driver?
  • What is PIP insurance?
  • Which companies will insure high-risk drivers?
  • Do I need special endorsements for business use of my vehicle?
  • Is my state a no-fault state?
  • How do I file an SR-22 for a DUI in my state?
  • When can my company non-renew my policy?

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 an insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your insurance policy

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision protection

Collision coverage will pay to fix damage to your S-Class resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hail damage, damage from a tornado or hurricane, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz S-Class.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Liability coverages

This coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, bail bonds, funeral expenses, medical services and structural damage. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, nursing services, surgery and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

You can do this!

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at a price you can afford.

A few companies don’t offer internet price quotes and these smaller providers only sell coverage through independent insurance agents. The cheapest 2016 Mercedes-Benz S-Class insurance is available on the web and from local agencies, and you should compare price quotes from both to have the best rate selection.

Consumers switch companies for a variety of reasons including high rates after DUI convictions, questionable increases in premium, lack of trust in their agent and not issuing a premium refund. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.

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