1996 Mercedes-Benz S-Class Insurance Rates

Are you a victim of an overpriced insurance coverage policy? Believe me when I say you’re not the only one.

Lots of auto insurance companies contend for your business, so it’s not easy to compare every provider to find the lowest rate possible.

You should take the time to get comparison quotes yearly because insurance rates change quite often. Just because you found the lowest rates on S-Class insurance two years ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to learn the quickest way to buy cheaper insurance coverage.

If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, consumers must comprehend how the larger insurance companies market on the web and take advantage of how the system works.

How to Get Auto Insurance Comparison Quotes

There are several ways of comparing rate quotes and find the best price. The fastest way to compare 1996 Mercedes-Benz S-Class insurance prices is to get quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing a different quote for each company. A single, simple form will return quotes from multiple low-cost companies.
  2. A harder way to shop for auto insurance online requires a trip to the website of each company to complete a price quote. For example, let’s assume you want to compare Progressive, State Farm and Farmers. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method of comparing rate quotes is to spend your day driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the personal advice of a local agent. You can, however, comparison shop online but still have the advice of a local agent. We’ll cover that shortly.

Whichever way you use, ensure you’re using the exact same coverage limits for every company. If you enter higher or lower deductibles it will be very difficult to determine which rate is truly the best. Quoting even small variations in limits may result in large price differences. Keep in mind that comparing more company’s prices will enable you to find the best rates.

Some factors that can determine what Mercedes-Benz S-Class insurance costs

Consumers need to have an understanding of the different types of things that help determine the price you pay for car insurance. Understanding what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Having a spouse can save you money – Having a wife or husband can get you a discount on your policy. Having a spouse is viewed as being more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • Tickets mean higher rates – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets get better rates compared to drivers with tickets. Even one speeding ticket can bump up the cost by twenty percent. Drivers with flagrant tickets like 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 keep their license.
  • Where you live can impact rates – Living in small towns and rural areas is a positive aspect when it comes to car insurance. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers have to deal with more traffic problems and longer commute times. More time on the road means higher likelihood of an accident.
  • Liability insurance protects assets – Liability coverage will protect you if ever you are found to be at fault for damages from an accident. It will provide legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Both sexes cause accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as reckless driving.

Are you getting all your discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Most are applied at the time you complete a quote, but some may not be applied and must be asked about before they will apply.

  • No Accidents – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Accident Waiver – A few companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Air Bag Discount – Factory air bags or motorized seat belts can get savings of 20% or more.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. But all discounts will bring down your premiums.

To see a list of companies with the best auto insurance discounts, follow this link.

When might I need an agent?

When it comes to choosing coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Should I bundle my homeowners policy with my auto?
  • Is a blown tire covered by insurance?
  • Will my insurance pay for OEM parts?
  • Does insurance cover tools stolen from my truck?
  • Can I afford low physical damage deductibles?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Car insurance specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Collision protection

Collision insurance pays for damage to your S-Class from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like pain medications, dental work and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz S-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a deer, fire damage, falling objects and a broken windshield. The highest amount a car 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 probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, medical services, structural damage and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Summing up your insurance coverage search

Low-cost 1996 Mercedes-Benz S-Class insurance is available on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

We just covered quite a bit of information on how to reduce insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the most savings is with a small local company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.

Much more information about insurance coverage can be found on the following sites: