2001 Mercedes-Benz S-Class Car Insurance Quotes

Want the cheapest insurance rates for your Mercedes-Benz S-Class? Saving money on insurance is challenging for consumers new to buying insurance online. You have so many choices that it can turn into a big hassle to compare prices.

It’s important to do rate comparisons quite often since rates change regularly. Just because you found the lowest price on S-Class insurance six months ago you can probably find a better price now. There is a lot of bad advice regarding insurance on the web, but by reading this article, you’re going to learn some good information on how to find cheap insurance.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Pricing affordable coverage is not that difficult. Although vehicle owners must know how companies sell insurance online and take advantage of how the system works.

Insurance Comparisons

All major insurance companies such as State Farm, Allstate and Geico provide coverage prices on the web. The process is pretty painless as you simply enter the coverages you want as detailed in the form. Upon sending the form, their system pulls credit information and your driving record and returns a price quote determined by many factors.

This streamlines rate comparisons, but the time it takes to visit different websites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to do this in order to find better insurance pricing.

Compare rates the easy way

A less time-consuming method to find lower prices requires only one form that obtains quotes from more than one company. It’s a real time-saver, requires less work, and makes rate comparisons a lot less work. After sending the form, it is quoted and you can choose any or none of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and can result in significant savings.

To save time and find out how much you can save on insurance, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you complete the form with coverages and limits identical to your current policy. This way, you will have rate quotes for similar coverage.

Situations that might require an agent

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy only the required minimum liability coverage?
  • Is my Mercedes-Benz S-Class covered if I use it for business?
  • If I drive on a suspended license am I covered?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage pay for bills for ambulance fees, funeral costs, EMT expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto collision coverage

This will pay to fix damage to your S-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, theft, hitting a bird, damage from a tornado or hurricane and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz S-Class.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Liability coverages

Liability insurance will cover damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, funeral expenses, court costs and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.