Vehicles > Mercedes-Benz > S-Class

Mercedes-Benz S-Class Insurance Cost

Comparing auto insurance through online providers is easy, plus you can save money. The key is getting as many rate quotes as possible so you can compare all possible prices.

Beginners to buying insurance may think shopping for cheap S-Class insurance is hard and time consuming. Finding cheaper coverage prices is surprisingly easy. All you need to do is take the time getting comparison quotes from different insurance companies. This can be done by visiting this page.

Rates are determined by these things

Car insurance premiums for a Mercedes-Benz S-Class can be significantly different based upon several criteria. Including but not limited to:

  • Your driving record
  • Better credit means lower rates
  • Male drivers pay higher rates
  • Higher deductibles save money
  • Crash test rating for your S-Class
  • Your claim history
  • Maintaining coverage lowers rates
  • Home ownership saves money

An additional factor that can impact S-Class insurance cost is the year of the vehicle. A newer vehicle have a higher value than older models so repair costs are higher which may end up costing you more. But new Mercedes-Benz models may have safety features including forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking that may help provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. S-Class collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.

How Much are Mercedes-Benz S-Class Insurance Rates?