2000 Mercedes-Benz S-Class Car Insurance Quotes – 5 Policy Discounts

Looking for better insurance coverage rates for your Mercedes-Benz S-Class? Paying for high-priced Mercedes-Benz S-Class insurance can empty your savings account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to help make ends meet. You have so many auto insurance companies to buy insurance from, and although it’s nice to have a selection, it can be more difficult to get the best deal.

You should take the time to get comparison quotes periodically because insurance rates are usually higher with each renewal. If you had the best price for S-Class coverage a few years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the proper way to get good coverage at a lower rate.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will be able to save some money using these techniques. Drivers only need to know how to shop over the internet.

Verify you’re getting all your discounts

Companies offering auto insurance don’t necessarily list every discount very well, so here is a list both well-publicized and the more hidden discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for S-Class coverage than drivers with accidents.
  • Save with a New Car – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Bundle and Save – If you have multiple policies with the same company you will save at least 10% off all policies.

It’s important to note that most credits do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Check with every prospective company what discounts are available to you. Some discounts may not be available in every state.

The best way we recommend to compare insurance rates in your area is to realize all the major auto insurance companies pay for the opportunity to give free rates quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as if it has an anti-theft system, how much school you completed, if you lease or own, and the make and model of your vehicles. Those rating factors is submitted instantly to multiple companies and you get price estimates instantly.

To compare rates now, click here and enter your coverage details.

When should I talk to an agent?

When it comes to buying the best auto insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my 2000 Mercedes-Benz S-Class covered for flood damage?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I missing any policy discounts?
  • What is no-fault insurance?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Save $489 a year? Really?

Consumers constantly see and hear ads that promise big savings by companies like State Farm, Geico and Progressive. All the companies say the same thing about savings if you change to them.

But how can every company claim to save you money?

Different companies have a certain “appetite” for the driver that earns them a profit. For instance, a profitable customer might be profiled as over the age of 50, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters will get very good rates and therefore will cut their rates substantially.

Potential customers who don’t qualify for this ideal profile will be charged higher prices which leads to the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that much money. This is how companies can truthfully advertise the way they do. That is why drivers should quote coverage with many companies. Because you never know which auto insurance company will provide you with the cheapest Mercedes-Benz S-Class insurance rates.

Car insurance coverage options for a Mercedes-Benz S-Class

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most car insurance policies.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from getting keyed and hitting a bird. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for hospital visits, dental work, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision insurance pays for damage to your S-Class resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability – This coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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

Liability can pay for claims like structural damage, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2000 Mercedes-Benz S-Class.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Smart shoppers get results

Cost effective 2000 Mercedes-Benz S-Class insurance can be found from both online companies and with local insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. In many cases, drivers have reduced liability coverage limits and learned later they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Additional auto insurance information can be found at the links below