Compare 2016 Mercedes-Benz S-Class Insurance Quotes

Searching for the cheapest insurance coverage rates for your Mercedes-Benz S-Class? Are you tired of not being able to afford each month for car insurance? You are no different than many other drivers. Drivers have multiple auto insurance companies to choose from, and though it is a good thing to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

You need to check insurance coverage prices before your policy renews due to the fact that insurance rates are usually higher with each renewal. Just because you had the best deal on S-Class insurance six months ago there may be better deals available now. So forget all the misinformation about insurance coverage because you’re going to get a crash course in the fastest and easiest way to save money, get proper coverage and the best rates.

Finding the best rates is not rocket science. If you have car insurance now, you will most likely be able to cut costs considerably using this strategy. Drivers only need an understanding of how to get comparison quotes on the web.

Low Cost Car Insurance

There are a variety of methods to shop for 2016 Mercedes-Benz S-Class car insurance, but some are more efficient than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Many popular insurance companies take part in a program where prospective buyers enter their policy data once, and every company can provide price quotes based on that information. This prevents consumers from doing quotation requests for every car insurance company.

To compare pricing click here (opens in new window).

The only downside to pricing coverage this way is that you can’t choose the providers you want to price. So if you want to choose from a list of companies to compare, we have a page of the cheapest car insurance companies in your area. Click to view list.

Whichever way you use, make darn sure you compare exactly the same information with each company. If you compare different limits and deductibles on each one it’s not possible to decipher which rate is best.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Do I need higher collision deductibles?
  • Who is covered by my policy?
  • Is my ex-spouse still covered by my policy?
  • What is covered by UM/UIM coverage?
  • Why does it cost so much to insure a teen driver?
  • Do all my vehicles need collision coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is there coverage for injuries to my pets?
  • Is my state a no-fault state?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance coverage specifics

Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.

Liability car insurance – Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from getting keyed, damage from flooding and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mercedes-Benz S-Class.

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

Insurance for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like pain medications, dental work, X-ray expenses, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage