2000 Mercedes-Benz S-Class Car Insurance Quotes

Sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than millions of other consumers.

Because there are so many choices of insurance companies, it can be impossible to find the most affordable insurer.

You should make it a habit to compare prices every six months since rates are usually higher with each renewal. Despite the fact that you may have had the best deal for S-Class insurance two years ago there is a good chance you can find better rates now. There is a lot of bad information regarding insurance coverage online, so with this article, you’re going to get some tested techniques to put money back in your pocket.

This information will familiarize you with the best way to quote coverages. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Nevertheless, drivers must comprehend the way insurance companies sell insurance online.

Cut your premium with discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Some trigger automatically at the time of purchase, but lesser-known reductions have to be specially asked for before being credited.

  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on auto insurance for S-Class insurance.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more depending on where you live.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

Car insurance companies who might offer these benefits include:

Before buying, ask every prospective company which discounts they offer. All car insurance discounts may not be available in your area.

Insurance Coverage Comparison Rates

There are multiple methods to compare 2000 Mercedes-Benz S-Class insurance coverage prices but one way is easier and takes less work. You can spend your afternoon talking to local insurance agents in your area, or you can utilize online quoting to achieve your goal.

Most of the best insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each company can provide price quotes based on that information. This prevents consumers from doing repetitive form submissions to each company.

To participate in this free quote system, click here (opens in new window).

The only drawback to pricing coverage this way is you can’t choose the insurers you will receive quotes from. So if you prefer to pick from a list of companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but compare the exact same coverage limits and deductibles for each price quote. If the quotes have different values for each quote it’s impossible to make a fair comparison for your Mercedes-Benz S-Class. Slightly different coverage limits may cause a big price difference. And when comparison shopping, having more price comparisons helps you find better pricing.

Factors that can influence Mercedes-Benz S-Class insurance rates

It’s important that you understand the factors that come into play when calculating the price you pay for insurance. Understanding what determines base rates allows you to make educated decisions that will entitle you to better insurance rates.

The list below includes some of the items companies use to determine prices.

  • Too many insurance claims drive up costs – If you file claims often, you can expect either a policy non-renewal or much higher rates. Companies give cheaper rates to insureds who are claim-free. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Equipment add-ons that lower insurance rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Your spouse saves you money – Being married can get you a discount on insurance. Marriage is viewed as being more mature and statistics show married drivers get in fewer accidents.
  • Where you reside plays a part – Being located in small towns and rural areas has it’s advantages when it comes to insurance. City drivers have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Higher deductibles cost less – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Mercedes-Benz. Examples of covered claims are collision with another vehicle, damage from fire, and burglary. Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more expense you’re willing to pay, the lower your rates will be for S-Class insurance.
  • Always keep insurance in force – Driving without insurance is against the law and insurance companies will penalize you for letting your insurance expire. Not only will rates go up, failure to provide proof of insurance will get you a steep fine or even jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

What is the best insurance coverage?

When it comes to buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight if you could use an agent’s help.

  • How much liability do I need to cover my assets?
  • Will I lose any money if I cancel my policy before it expires?
  • At what point should I drop full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need added coverage for expensive stereo equipment?
  • Why does it cost so much to insure a teen driver?
  • Should I sign the liability waiver when renting a car?
  • Do I need replacement cost coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverages 101

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, damage from flooding, damage from getting keyed, a broken windshield and vandalism. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like nursing services, X-ray expenses and funeral costs. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage


This coverage can cover damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like court costs, attorney fees, medical services and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your S-Class resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Be a smart shopper

Affordable 2000 Mercedes-Benz S-Class insurance is definitely available both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just presented many ways to reduce insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best prices are with the least-expected company. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate and Progressive.

Much more information about insurance is located at the links below