2017 Mercedes-Benz S-Class Car Insurance Quotes – 6 Tips to Save

Trying to find better auto insurance rates for your Mercedes-Benz S-Class? Purchasing the cheapest auto insurance on the internet might seem problematic for drivers that are not comfortable with quoting and buying insurance on the internet. With a ridiculous number of insurance companies available, how are drivers able to have time to compare them all to find better auto insurance prices?

You need to compare rates at least once a year because prices change regularly. If you had the best rates on S-Class coverage two years ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

Compare insurance coverage rates

To find affordable insurance quotes, there are several ways of comparing rate quotes from lots of insurance coverage companies. The best method to find cheaper Mercedes-Benz S-Class rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  • The easiest and least time consuming way to find low rates would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating repetitive form submissions to each individual insurance coverage company. A single, simple form gets prices estimates instantly. This is perfect if you don’t have a lot of time.
  • A more difficult way to find better pricing consists of going to the website of each company and fill out their own quote form. For instance, let’s assume you want to compare prices for GEICO, State Farm and Travelers. You would be required to go to every website to input your insurance information, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.
  • The least recommended way to get comparison rates is to spend time driving to different agent offices. Doing it all online has reduced the need for local agents unless you prefer the personal advice only provided by licensed agents. If you prefer, some companies allow you to comparison shop online but buy from a local insurance agent.

However you get your quotes, compare the exact same coverage limits and deductibles for each comparison quote. If you use higher or lower deductibles it will be nearly impossible to determine the lowest rate for your Mercedes-Benz S-Class. Slightly different limits could throw off the whole comparison. Just remember that comparing a wide range of rates gives you a better chance of getting better pricing.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need replacement cost coverage on my 2017 Mercedes-Benz S-Class?
  • Are rental cars covered under my policy?
  • Am I covered when driving someone else’s vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Will my rates increase for filing one claim?
  • Does my 2017 Mercedes-Benz S-Class qualify for pleasure use?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages 101

Knowing the specifics of a insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for collisions

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

Collision can pay for claims such as colliding with another moving vehicle, scraping a guard rail, crashing into a building, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, damage from getting keyed and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, loss of income, pain and suffering and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as pain medications, EMT expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your 2017 Mercedes-Benz S-Class.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.