Overwhelmed by the sheer number of auto insurance companies? Lot’s of other consumers are too. Consumers have so many options that it can easily become a real challenge to locate the lowest price.
Most companies quote coverage prices online. This process is quite simple as you just type in the coverages you want as requested by the quote form. After you submit the form the company’s rating system will order your driving record and credit report and quotes a price.
This helps simplify price comparisons, but the work required to visit several different sites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you are searching for the lowest price.
A quicker way to locate the lowest prices requires only one form that analyzes rates from multiple companies. The form is fast, eliminates form submissions, and makes rate comparisons much simpler. As soon as you send your information, your coverage is rated with multiple companies and you can pick your choice of the quotes that you receive. If you find a better price you simply finish the application and buy the policy. The whole process only takes a few minutes and may result in a nice savings.
To use this form to compare rates, click here and begin entering your coverage information. If you currently have coverage, we recommend you complete the form with your coverages as close as possible to your current policy. This way, you will get a fair comparison using the same coverage and limits.
Insurance coverage providers like State Farm, GEICO and Progressive consistently run ads on TV and radio. They all have a common claim that you can save if you change your coverage to them. How can each company say the same thing? This is how they do it.
All companies can use profiling for the type of customer that makes them money. For example, a profitable customer might be between 30 and 50, a clean driving record, and drives newer vehicles. Any new insured that hits that “sweet spot” receives the best rates and therefore will save a lot of money.
Consumers who don’t measure up to the “perfect” profile must pay higher premiums and ends up with business not being written. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can advertise the savings. This illustrates why it is so important to compare as many rates as you can. It’s impossible to know the company that will have the lowest Mercedes-Benz S-Class insurance rates.
Companies don’t always publicize every discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known ways to save on insurance coverage.
As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.
For a list of providers with discount insurance coverage rates, click this link.
When it comes to buying the right insurance coverage, there is no cookie cutter policy. Each situation is unique.
Here are some questions about coverages that might help in determining if you may require specific advice.
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form.
Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz S-Class.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses like prosthetic devices, doctor visits and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Auto liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims like funeral expenses, repair costs for stationary objects, emergency aid, loss of income and court costs. How much coverage you buy is a personal decision, but buy higher limits if possible.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things such as hail damage, falling objects, damage from flooding, fire damage and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision coverage – Collision insurance will pay to fix damage to your S-Class resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as hitting a parking meter, colliding with another moving vehicle, hitting a mailbox, backing into a parked car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
We’ve covered some good ideas how to shop for 2009 Mercedes-Benz S-Class insurance online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with some of the smallest insurance companies.
Drivers switch companies for many reasons like not issuing a premium refund, denial of a claim, questionable increases in premium or even high prices. Regardless of your reason, finding the right car insurance provider can be easy and end up saving you some money.
As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There are too many instances where an insured cut collision coverage only to discover later they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford.
Additional detailed information is available in the articles below: