Cheap 2009 Mercedes-Benz S-Class Insurance Rates

Want the cheapest car insurance rates? Drivers have many options when trying to find the best price on Mercedes-Benz S-Class insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to make rate comparisons. There is a better way to shop for car insurance and you need to know the best way to price shop coverage for a new or used Mercedes-Benz and obtain the cheapest rates from local insurance agents and online providers.

It’s a great practice to compare rates at least once a year since insurance rates change frequently. If you had the best price on S-Class coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the easiest way to find great coverage at a great price.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Vehicle owners only need an understanding of the most effective way to buy auto insurance online.

Compare the Market for Insurance

There are multiple methods to compare 2009 Mercedes-Benz S-Class insurance quotes, but there is one way that is more efficient than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Many of the larger companies participate in an industry program that enables customers to submit one quote, and at least one company then returns a price quote determined by their information. This prevents consumers from doing repetitive form submissions to each individual insurance company.

To use this form to compare 2009 Mercedes-Benz S-Class insurance rates click here to open in new window.

The one downside to getting quotes like this is you cannot specify the insurers you will receive quotes from. If you wish to select from a list of companies to compare prices, we have a page of low cost insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverages on every quote you get. If your comparisons have different values for each quote it will be very difficult to determine the lowest rate for your Mercedes-Benz S-Class.

Don’t miss these discounts

Car insurance companies do not advertise all available discounts in an easy-to-find place, so the following is a list of both well-publicized as well as the least known insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Accident Free – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount when buying insurance on S-Class coverage.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy may reduce the rate for each vehicle.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

Companies that may offer these discounts include:

Double check with each company which discounts you may be entitled to. Some discounts might not apply everywhere.

Factors that might impact rates for a Mercedes-Benz S-Class

It’s important that you understand some of the elements that help determine insurance rates. Understanding what influences your rates helps enable you to make changes that could result in better insurance rates.

The following are a few of the “ingredients” that factor into premiums.

  • Safe vehicles cost less to insure – Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Mercedes-Benz S-Class is rated at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Never allow your policy to lapse – Letting your insurance expire is a fast way to increase your insurance rates. Not only will rates go up, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Cautious drivers pay less – Your driving record has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than bad drivers. Only having one speeding ticket may increase your cost forty percent or more. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Do you have a high stress job? – Careers like judges, business owners and financial analysts have higher average rates because of high stress levels and lengthy work days. Conversely, occupations such as scientists, engineers and the unemployed get better rates on S-Class coverage.
  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

When might I need help?

When buying the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can help discover if you could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need rental car coverage?
  • How much liability do I need to cover my assets?
  • Do I have coverage when using my vehicle for my home business?
  • How do I file an SR-22 for a DUI in my state?
  • When can I cancel my policy?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Understanding the coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like ambulance fees, prosthetic devices and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2009 Mercedes-Benz S-Class.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, vandalism, rock chips in glass and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, rolling your car, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Auto liability

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as court costs, legal defense fees, loss of income, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Best coverage at the best price

Cheap 2009 Mercedes-Benz S-Class insurance is definitely available online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

In this article, we presented a lot of techniques to save on insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from a small mutual company.

Consumers change insurance companies for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, questionable increases in premium and even unfair underwriting practices. Regardless of your reason, choosing a new company is actually quite simple.

For more information, link through to the resources below: