Looking for lower auto insurance rates for your Mercedes-Benz S-Class? Are you a victim of overpriced auto insurance? Believe me, you’re not alone.
Because there are so many companies and agents to choose from, it can be diffult for consumers to find the cheapest car insurance company.
It’s a good habit to take a look at other company’s rates before your policy renews since insurance rates tend to go up over time. Just because you had the best rates for S-Class coverage a few years ago a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance on the web, but I’m going to show you some good information on how to reduce your auto insurance bill.
Buying car insurance is easy if you know what you’re doing. Just about every vehicle owner who shops for car insurance stands a good chance to be able to find better rates. But drivers must understand the way insurance companies price insurance differently and take advantage of how the system works.
Companies don’t always publicize all their discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known ways to save on auto insurance.
Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.
Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:
Check with all companies you are considering which discounts they offer. Savings may not be available in your area.
All major car insurance companies quote coverage price quotes online. The process is pretty easy as you just enter your coverage preferences as requested by the quote form. After you submit the form their rating system will obtain your credit score and driving record and returns a price quote. Online price quotes helps simplify price comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s very important to compare as many rates as possible in order to get better car insurance pricing.
Quote rates the easy way
The quickest way to locate the lowest prices uses one form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes quoting online a lot less work. Once the form is submitted, it is rated with multiple companies and you can pick any or none of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and may result in a nice savings.
In order to find out what other companies charge, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you input your coverages identical to your current policy. This guarantees you’re receiving comparison quotes for similar coverage.
When choosing adequate coverage, there really is not a perfect coverage plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover if you could use an agent’s help.
If you’re not sure about those 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
Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.
Auto liability insurance
Liability coverage will cover injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. Liability 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 policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims such as repair bills for other people’s vehicles, court costs, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.
This pays for damage to your S-Class from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things like colliding with a tree, sideswiping another vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz S-Class.
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.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like doctor visits, EMT expenses, hospital visits and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as a broken windshield, falling objects, rock chips in glass, vandalism and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Affordable 2016 Mercedes-Benz S-Class insurance is available online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.
When you buy insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability coverage limits to discover at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at a price you can afford, not the least amount of coverage.
In this article, we presented a lot of information how to shop for insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on insurance is with a lesser-known regional company. They may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.
Additional information is available below: