Cheap 2013 Mercedes-Benz S-Class Insurance Rates

Buyers have lots of choices when searching for low-cost Mercedes-Benz S-Class insurance. They can either waste time driving around to compare prices or save time using the internet to compare rates. There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages on a Mercedes-Benz and locate the best price possible from local insurance agents and online providers.

If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. The purpose of this article is to let you in on how car insurance quotes work and some tips to save money. Drivers only need to know the proper way to buy insurance coverage online.

Comprehensive Insurance Coverage Comparison

Getting better 2013 Mercedes-Benz S-Class insurance coverage pricing is not rocket science. Drivers just need to spend a few minutes on the computer getting comparison quotes online with multiple companies. This can be done using a couple different methods.

The single most time-saving way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating repetitive form submissions for every insurance coverage company. A single form will get you price quotes from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.

A different way to compare prices consists of visiting each company website to complete a price quote. For instance, we’ll assume you want rates from Allstate, Farmers and GMAC. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

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

The most time-consuming way of comparing rate quotes is to spend your day driving to and from local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you prefer the professional guidance only provided by licensed agents. You can, however, obtain prices from the web and still use a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make sure you use the exact same quote information with each company. If your comparisons have different limits and deductibles on each one it’s impossible to make a fair comparison for your Mercedes-Benz S-Class.

How to save on 2013 Mercedes-Benz S-Class insurance

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Low Mileage – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy on their website.

It’s important to understand that many deductions do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurance companies who offer auto insurance discounts, click this link.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • What is medical payments coverage?
  • Where can I get insurance after a DUI in my state?
  • Why is insurance for a teen driver so high?
  • What is UM/UIM insurance?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about auto insurance coverages for a Mercedes-Benz S-Class

Understanding the coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for liability

Liability insurance will cover damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like legal defense fees, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, hitting a deer, hail damage and theft. The most your auto insurance company will pay 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.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, 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

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like hospital visits, X-ray expenses, surgery and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay