Compare 2012 Mercedes-Benz S-Class Insurance Rates

No one in their right mind cherishes buying auto insurance, especially when their premiums are too high. You have so many car insurance companies to buy insurance from, and though it is a good thing to be able to choose, it can be more difficult to compare rates.

It’s a great practice to shop coverage around once or twice a year since rates are variable and change quite frequently. Even if you think you had the best price for S-Class coverage a couple years back you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because you’re going to learn how to use the internet to reduce your cost while increasing coverage.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to save some money using these tips. Drivers just need to learn the most efficient way to compare company rates online.

Factors that can influence insurance rates for a Mercedes-Benz S-Class

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for insurance coverage. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” insurance coverage companies consider when setting rates.

  • Pay less after the wedding – Having a spouse can get you a discount on your insurance coverage policy. Having a significant other means you’re more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Mature drivers pay less – Mature drivers are more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers are known to be more careless in a vehicle and because of this, their insurance coverage rates are much higher.
  • Protect yourself with liability coverage – Liability insurance is the protection if ever a court rules you are at fault for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Credit scores impact insurance coverage rates – Credit score is a important factor in calculating your insurance coverage rates. If your credit rating is lower than you’d like, you could pay less to insure your 2012 Mercedes-Benz S-Class by repairing your credit. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit.
  • Do you qualify for a multi-policy discount? – The majority of insurance coverage companies provide better rates to customers who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to ensure the best deal. Consumers may find better rates by buying insurance coverage from a different company.
  • Your car’s features help determine rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Little extras can really add up – There are a lot of extra coverages you can purchase on your insurance coverage policy. Insurance for rental car reimbursement, better glass coverage and membership fees are some examples. They may seem good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.

Free Quotes for Insurance

Finding cheaper 2012 Mercedes-Benz S-Class insurance prices doesn’t have to be difficult. Consumers just need to invest a little time comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

Probably the best way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for each company. In just a few minutes this one form will return price quotes from all major companies.

A more time consuming way to analyze rates consists of visiting each company’s website and fill out their own quote form. For sake of this example, let’s assume you want comparison quotes from Allstate, State Farm and Liberty Mutual. To get each rate you have to visit each site to enter your coverage information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make darn sure you compare identical coverage limits for every quote you compare. If you are comparing differing limits it will be impossible to determine the lowest rate for your Mercedes-Benz S-Class.

Discounts mean cheaper 2012 Mercedes-Benz S-Class insurance rates

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so we break down both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • E-sign – A few companies will give a small break for buying your policy over the internet.
  • Discount for New Cars – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Low Mileage – Fewer annual miles on your Mercedes-Benz can qualify you for better rates on cars that stay parked.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.

Drivers should understand that many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

For a list of insurance companies with discount insurance rates, click here.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you may require specific advice.

  • Do I need higher collision deductibles?
  • Is upholstery damage covered by car insurance?
  • Will filing a claim cost me more?
  • Am I getting all the discounts available?
  • Do all my vehicles need collision coverage?
  • Am I insured when driving a different vehicle?
  • Does my insurance cover a custom paint job?
  • Am I covered when pulling a rental trailer?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance coverages

Having a good grasp of insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for liability – This coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, repair costs for stationary objects, bail bonds, court costs and emergency aid. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses for things like nursing services, EMT expenses, rehabilitation expenses, dental work and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, hitting a bird, theft, hail damage and fire damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz S-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Be a smart shopper

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. Too many times, drivers have reduced full coverage and learned later that they should have had better coverage. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Cheap 2012 Mercedes-Benz S-Class insurance is possible online and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

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