Cheap 2018 Mercedes-Benz S-Class Insurance Quotes

Want better car insurance rates for your Mercedes-Benz S-Class? Trying to come up with a payment for expensive car insurance can consume your accounts and put a big crunch on your finances. Doing a rate comparison is a smart way to cut your insurance bill.

Big-name insurance companies like GEICO, Farmers Insurance and State Farm increase brand awareness with TV and radio ads and it is difficult to separate fact from fiction and take the time to shop coverage around.

If you are insured now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Buying car insurance is not that difficult. Consumers just need to know the proper way to shop their coverage around over the internet.

Find discounts to get cheap insurance quotes

Some insurance providers don’t always publicize the entire discount list in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous credits available to bring down your rates.

  • Military Discounts – Being on active duty in the military can result in better premium rates.
  • Air Bags and Passive Restraints – Factory air bags can get savings of 20% or more.
  • Distant Student Discount – Kids who live away from home to go to college and don’t have a car could get you a discount.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as GEICO, State Farm, and Progressive permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Early Signing – A few insurance companies give discounts for switching policies before your current coverage expires. You may see this discount when you get insurance coverage quotes online.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

A partial list of companies that may offer quotes with some of the above discounts are:

Double check with each company or agent how you can save money. Some discounts listed above might not be offered on policies in your state.

The best way to compare insurance rates from multiple companies is to realize most larger insurance companies will pay a fee to give free rates quotes. All you need to do is spend a couple of minutes providing details such as the ages of drivers, coverage limits, the make and model of your vehicles, and how much school you completed. That rating information is sent automatically to multiple car insurance providers and they provide comparison quotes with very little delay.

To check rates for your 2018 Mercedes-Benz S-Class now, click here and enter your zip code.

Why smart consumers pay less for Mercedes-Benz S-Class insurance

When buying auto insurance it’s important to understand some of the factors that play a part in calculating the price you pay for auto insurance. If you understand what influences your rates, this enables informed choices that could result in lower premium levels.

  • Always keep your coverage in place – Not maintaining insurance is not a good idea and auto insurance companies will penalize you for letting your insurance coverage expire. And not only will your rates increase, getting caught without coverage may earn you a fine, jail time, or a revoked license. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Improve your credit rating – A driver’s credit score will be a significant factor in calculating your auto insurance rates. Therefore, if your credit rating is not that good, you could pay less to insure your 2018 Mercedes-Benz S-Class if you improve your credit rating. People with high credit scores tend to be more responsible and file fewer claims than drivers with lower ratings.
  • Marriage discount – Having a significant other may cut your premiums when buying auto insurance. Having a significant other usually means you are more responsible and it’s statistically proven that married drivers tend to file fewer claims.
  • Limits of liability – Your policy’s liability coverage will afford coverage if you are ruled to be at fault for damages from an accident. Your liability coverage provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.
  • Low comp and collision deductibles cost more – Physical damage protection, aka comp and collision, covers damage that occurs to your Mercedes-Benz. Examples of some claims that would be covered could be a broken side mirror, vandalism, and burglary. Physical damage deductibles are the amount of money you are willing to pay if the claim is covered. The more damage repair cost you have to pay, the bigger discount you will receive for S-Class insurance.
  • Traffic violations mean higher premiums – Even one speeding ticket may increase your cost forty percent or more. Drivers who don’t get tickets have lower premiums compared to bad drivers. Drivers who have license-revoking tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Put fewer miles on your vehicle – The more you drive your Mercedes-Benz each year the higher your rate. Many insurance companies calculate rates based upon how the vehicle is primarily used. Cars that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. Having an incorrect usage rating on your S-Class may be costing you. Make sure your auto insurance declarations sheet states annual mileage, because improper ratings can cost you money.
  • Women tend to cost less – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that men are worse drivers. Females and males cause auto accidents in similar numbers, but males cause more damage and cost insurance companies more money. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are the most expensive to insure and thus pay the highest rates.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can help discover if you would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rental cars covered under my policy?
  • What companies insure drivers after a DUI or DWI?
  • Are split liability limits better than a combined single limit?
  • What is the minimum liability in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is there coverage for injuries to my pets?
  • Is pleasure use cheaper than using my 2018 Mercedes-Benz S-Class to commute?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz S-Class.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

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 and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, rock chips in glass and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

This coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not 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. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses like dental work, doctor visits and ambulance fees. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Affordable insurance is out there

Some insurance companies do not provide online price quotes and most of the time these regional insurance providers work with independent insurance agents. Cheap 2018 Mercedes-Benz S-Class insurance can be purchased on the web and from local agencies, and you need to price shop both in order to have the best chance of saving money.

We just presented quite a bit of information on how to save on 2018 Mercedes-Benz S-Class insurance. It’s most important to understand that the more times you quote, the higher your chance of finding low cost insurance coverage. Consumers may even find the lowest priced insurance comes from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

More information can be read at the links below