2013 Mercedes-Benz S-Class Insurance Quotes

Looking for better insurance coverage rates for your Mercedes-Benz S-Class? Finding better insurance prices for a Mercedes-Benz S-Class can normally be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the proper way to get price quotes on a Mercedes-Benz and obtain the lowest price either online or from local insurance agents.

If you have a current auto insurance policy or need new coverage, you can use these tips to find better prices and still get good coverage. Finding cheaper protection is simple if you know the tricks. Vehicle owners just need to know the tricks to shop over the internet.

Automobile Insurance Quotes

All the larger auto insurance companies such as Progressive, Geico, Allstate and State Farm give pricing online. The process is fairly straightforward as you just type in the amount of coverage you want as detailed in the form. After you complete the form, the company’s rating system collects credit information and your driving record and returns a price based on these and other factors.

This makes comparing rates easy, but the time required to go to many different websites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to get a better rate.

There is a better way!

The smarter way to find better auto insurance pricing utilizes a single form that gets prices from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online shopping much more efficient. After your information is entered, it is rated and you are able to buy any of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It takes 15 minutes at the most and may result in a nice savings.

To save time and compare pricing, click here and submit your coverage information. If you have a policy now, it’s recommended you type in your coverages identical to your current policy. This way, you will have rate comparison quotes for similar coverage.

Companies offer discounts so take them!

Car insurance is not cheap, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but less common discounts must be asked about before you get the savings. If you don’t get every credit available, you are paying more than you should be.

  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn at least 10% off all policies.
  • Senior Citizens – If you’re over the age of 55, you may qualify for better insurance coverage rates on S-Class coverage.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Organization Discounts – Being a member of a professional or civic organization could qualify you for a break when buying insurance coverage on S-Class coverage.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down your overall premium however.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not apply in every state.

Do I just need basic coverages?

When choosing proper insurance coverage, there is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Where can I find DUI or SR-22 insurance?
  • When should I not file a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • Are my friends covered when driving my car?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Mercedes-Benz S-Class rates influenced by many factors

It’s important that you understand the rating factors that come into play when calculating the price you pay for insurance. Knowing what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Men pay higher rates – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance rates.
  • An active claims history can cost you – If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance companies provide cheaper rates to drivers who do not file claims often. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Do you need those extra coverages? – There are many additional coverages that can waste your money on your S-Class policy. Insurance for personal injury protection, accident forgiveness and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Marriage brings a discount – Having a wife or husband can actually save you money on your policy. Marriage means you’re more mature and statistics show drivers who are married are more cautious.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Drive less and save money – The more miles you rack up on your Mercedes-Benz in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your insurance policy shows how each vehicle is driven, because it can save money. Incorrect usage on your S-Class may be costing you.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Mercedes-Benz earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Do insurance coverage companies bend the truth?

Consumers can’t ignore all the ads for cheaper car insurance by Progressive, Geico, Allstate and State Farm. They all seem to make an identical promise about savings if you change to their company.

But how can every company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the driver that is profitable for them. A good example of a preferred risk could be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who do not match these standards will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can make those claims.

Because of the profiling, you need to compare many company’s rates. It’s just too difficult to predict the company that will fit your personal profile best.

Coverages available on your car insurance policy

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses such as rehabilitation expenses, dental work, nursing services and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building, colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercedes-Benz S-Class.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and 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. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical services, bail bonds and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

More quotes. Lower rates.

Drivers who switch companies do it for any number of reasons including policy non-renewal, delays in responding to claim requests, questionable increases in premium and even being labeled a high risk driver. Whatever your reason, finding the right insurance provider can be less work than you think.

Cheaper 2013 Mercedes-Benz S-Class insurance can be sourced both online in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just covered a lot of information how to shop for insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with some of the lesser-known companies.

More detailed insurance information is located in these articles: