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Mercedes-Benz S-Class Insurance Rates

Drivers have lots of options when insurance shopping for your Mercedes-Benz vehicle. You can either buy through an insurance agent or shop online to compare rates from companies. Finding cheaper auto insurance by quoting online is easy, plus you may find lower rates.

Consumers who are new to the process of buying insurance may think purchasing affordable S-Class insurance is hard. Cutting your S-Class insurance cost is a fairly straight forward process. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

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Premiums are calculated by these things

Insurance premiums paid to insure a Mercedes-Benz S-Class can vary widely based upon several criteria. Including but not limited to:

  • The performance level of your S-Class
  • Any accidents you may have
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older Mercedes-Benz models so repair costs are higher which can inflate annual premiums. But new Mercedes-Benz models have more advanced features including all-wheel drive, a rollover prevention system, and adaptive headlights which can lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your S-Class from the list below.

Liability coverages - Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy higher limits if possible.

Collision - This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages - This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.

How Much are Mercedes-Benz S-Class Insurance Rates?