Trying to find the cheapest auto insurance rates for your Mercedes-Benz S-Class? Tired of scraping nickels together to make your auto insurance payment? Your situation is no different than many other drivers.
Because you have many different company options, it is hard for the average consumer to choose the best auto insurance company.
The best way to compare policy rates is to realize auto insurance companies will pay a fee to compare their rates. To begin a comparison, all you need to do is provide details such as coverage limits, if you have an active license, your job, and how much you drive. Those rating factors is submitted instantly to insurance companies and you will get price comparisons within a short period of time.
Some companies don’t list every discount very well, so the list below contains some of the best known and the harder-to-find credits available to lower your premiums when you buy car insurance online. If they aren’t giving you every credit possible, you could be paying more than you need to.
As is typical with insurance, most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will bring down the cost of coverage.
A list of companies and some of the discounts include:
If you need lower rates, check with every prospective company which discounts can lower your rates. Some discounts might not be available to policyholders in every state. To see a list of auto insurance companies that offer multiple discounts, click this link.
When choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. For example, these questions may help highlight whether your personal situation may require specific advice.
If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Learning about specific coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.
This will pay to fix damage to your S-Class caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like hitting a mailbox, hitting a parking meter, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz S-Class.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
This can cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability can pay for things such as repair bills for other people’s vehicles, medical expenses, structural damage and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like hitting a bird, fire damage and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Med pay and PIP coverage pay for bills for things like surgery, hospital visits, doctor visits, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage