1996 Mercedes-Benz S-Class Insurance Quotes – 7 Tricks for Cheapest Rates

Trying to find better insurance coverage rates? Buyers have many options when searching for the best price on Mercedes-Benz S-Class insurance. You can either spend your time calling around to compare prices or utilize the internet to get rate quotes.

There is a better way to buy insurance coverage so we’re going to tell you the proper way to get price quotes for a Mercedes-Benz and obtain the lowest possible price from local insurance agents and online providers.

Save money by taking advantage of these seven discounts

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Most are applied at the time of quoting, but less common discounts must be asked for prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

  • New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up online.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Club Memberships – Belonging to a civic or occupational organization may earn a discount on your policy on S-Class insurance.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce the cost of coverage.

Insurance companies that may have these benefits may include but are not limited to:

Double check with each insurance company which discounts they offer. Some discounts may not be available everywhere.

When should I use an insurance agent?

When buying adequate coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • Where can I get insurance after a DUI in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • When can I cancel my policy?
  • Am I covered if I crash into my own garage door?
  • Is my dog or cat covered if injured in an accident?
  • What is covered by UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need added coverage for expensive stereo equipment?
  • When should I not file a claim?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

The insurance bait and switch

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Allstate and GEICO. All the ads make the same claim that you’ll save big if you change your coverage to them.

But how can every company claim to save you money?

All companies are able to cherry pick for the type of customer that is profitable for them. A good example of a preferred risk could be between the ages of 40 and 55, has no driving citations, and has a short commute. A customer that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for the requirements will have to pay a more expensive rate and ends up with business not being written. The ads say “customers who switch” not “everybody who quotes” save that much. That’s why insurance companies can advertise the savings.

Because of the profiling, it’s extremely important to get quotes from several different companies. You cannot predict which insurance companies will have the lowest Mercedes-Benz S-Class insurance rates.

Auto insurance coverage information

Learning about specific coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for nursing services, prosthetic devices, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability car insurance

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as court costs, medical expenses, medical services, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your S-Class from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family 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 limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Comprehensive car insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield, fire damage and theft. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

You just read quite a bit of information on how to lower your 1996 Mercedes-Benz S-Class insurance rates. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with a small local company.

Insureds change insurance companies for any number of reasons including poor customer service, denial of a claim, high rates after DUI convictions or unfair underwriting practices. Whatever your reason, choosing a new company is not as hard as you think.

Affordable insurance is attainable both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

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