Cheaper 2017 Mercedes-Benz S-Class Insurance Rates

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.

Take policy discounts and save

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.

  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations is a good way to get lower rates when getting a car insurance quote.
  • Early Switch Discount – Some insurance companies provide a discount for renewing your policy prior to your current policy expiration. This discount can save up to 10%.
  • Discounts for Multiple Vehicles – Insuring several vehicles on one policy can reduce rates for all insured vehicles.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
  • Life Insurance – Select companies reward you with a discounted price on car insurance if you buy life insurance.
  • Accident Free – Insureds who avoid accidents and claims can earn big discounts as compared to drivers who are more careless.
  • Good Student – Excelling in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Cautious Driver Discount – Insureds without accidents can save up to 40% or more on their car insurance quote for S-Class insurance as compared to drivers with claims.

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:

  • GEICO may have discounts that include anti-theft, good student, federal employee, multi-policy, and defensive driver.
  • Travelers has discounts for driver training, hybrid/electric vehicle, save driver, payment discounts, early quote, student away at school, and multi-car.
  • Nationwide includes discounts for multi-policy, accident-free, business or organization, defensive driving, easy pay, and Farm Bureau membership.
  • Farmers Insurance offers discounts including switch companies, teen driver, alternative fuel, mature driver, bundle discounts, and good student.
  • Esurance has savings for multi-car, online quote, paid-in-full, online shopper, Switch & Save, and safety device.
  • State Farm offers premium reductions for defensive driving training, accident-free, multiple autos, good student, and Steer Clear safe driver discount.
  • Progressive discounts include continuous coverage, online quote discount, multi-vehicle, good student, homeowner, online signing, and multi-policy.
  • Mercury Insurance may offer discounts for ease of repair, accident-free, multi-policy, location of vehicle, and age of vehicle.

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.

Which policy gives me the best coverage?

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.

  • Am I better off with higher deductibles on my 2017 Mercedes-Benz S-Class?
  • Where can I find DUI or SR-22 insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I rate my 2017 Mercedes-Benz S-Class as pleasure use or commute?
  • Do I need rental car coverage?
  • Are split liability limits better than a combined single limit?

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.

Insurance coverage specifics

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.

Auto collision coverage

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.

Uninsured/Underinsured Motorist coverage

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.

Coverage for liability

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.

Comprehensive coverage

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.

Medical payments coverage and PIP

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