1999 Mercedes-Benz S-Class Insurance Quotes – 6 Ways to Save

Have you had enough of being strong-armed to insure your Mercedes-Benz every month? You are in the same boat as most other car owners.

Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute cheapest price

Finding Insurance Coverage

To find the best insurance coverage prices, there are several ways of comparing price quotes from local insurance coverage companies. The fastest way to find the cheapest 1999 Mercedes-Benz S-Class insurance rates consists of shopping online. This is very easy and can be done in several different ways.

  • Probably the best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating separate quotes for each company you want a rate for. Completing one form gets rate comparisons from several companies.
  • A different way to compare prices is to manually visit each company website to request a price quote. For sake of this example, let’s say you want to compare Auto-Owners, Esurance and State Farm. To get rate quotes you would need to take the time to go to 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.
  • The hardest method of comparing rate quotes is driving around to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. You can, however, get prices online and get advice from an agent in your area and we’ll cover that in a bit.

However you get your quotes, make darn sure you compare the exact same information on every quote. If you are comparing different values for each quote then you won’t be able to determine the best price for your Mercedes-Benz S-Class. Quoting even small variations in insurance coverages could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting the best rates.

Take advantage of discounts

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Most are applied at the time of purchase, but less common discounts must be asked about prior to receiving the credit.

  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Drive Less and Save – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Own a Home – Simply owning a home can save you money because owning a home shows financial diligence.
  • Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates on S-Class coverage.
  • Student in College – Children who live away from home without a vehicle on campus may be able to be covered for less.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.

For a list of insurers offering insurance discounts, click this link.

How to know if you need help

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does coverage extend to Mexico or Canada?
  • What is the ISO rating for a 1999 Mercedes-Benz S-Class?
  • What discounts do I qualify for?
  • Does coverage extend to my business vehicle?
  • When would I need additional glass coverage?
  • Am I covered if hit by an uninsured driver?
  • Do I need motorclub coverage?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Liability car insurance – This can cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people. 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. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, loss of income and attorney fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Collision coverage – Collision coverage covers damage to your S-Class caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, crashing into a building, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for surgery, dental work, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from flooding, fire damage and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Save for a rainy day

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

In this article, we presented many ways to reduce 1999 Mercedes-Benz S-Class insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

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