Cheaper 2011 Mercedes-Benz S-Class Insurance Quotes

Looking for cheaper auto insurance rates for your Mercedes-Benz S-Class? Comparing auto insurance rates online might seem complicated at first if you’ve never compared quoting online. Don’t let that stop you because finding affordable coverage online is easier than you think.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. But drivers need to have an understanding of the way insurance companies sell online and apply this information to your search.

Pay less for Mercedes-Benz S-Class insurance

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so here is a list some of the more common and the harder-to-find savings tricks you should be using.

  • Drivers Education – Require your teen driver to complete a driver education course if it’s offered in school.
  • Paperless Signup – Some insurance companies give back up to $50 simply for signing on their website.
  • Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for S-Class coverage with a few auto insurance companies.
  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates on auto insurance for S-Class coverage.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more if you qualify.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

Car insurance companies that may offer these money-saving discounts include:

Check with each insurance company which discounts you may be entitled to. Savings may not apply in every state.

Why you might be paying too much to insure your Mercedes-Benz S-Class

An important part of buying insurance is that you know some of the elements that come into play when calculating insurance coverage rates. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to lower insurance coverage prices.

The list below includes a partial list of the pieces companies use to determine prices.

  • Better credit means lower rates – Credit score is a big factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could be paying less to insure your 2011 Mercedes-Benz S-Class by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.
  • Lower rates come with age – Youthful drivers tend to get distracted easily when behind the wheel so they pay higher insurance coverage rates. Older insureds are more responsible, file fewer claims and are safer drivers.
  • Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Mercedes-Benz S-Class has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Your insurance coverage rates can be influenced by your job – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, architects and dentists tend to pay the highest average rates due to job stress and long work days. Other jobs such as pilots, historians and performers have the lowest average rates for S-Class coverage.

Tailor your coverage to you

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Is my teenager covered with friends in the car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When do I need to add a new car to my policy?
  • What exactly is covered by my policy?
  • Which is better, split liability limits or combined limits?
  • What can I do if my company denied a claim?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

How can State Farm and Allstate save drivers who switch?

Auto insurance companies such as State Farm and Allstate constantly bombard you with ads on television and other media. They all seem to say the same thing about savings if you switch your coverage to them. How can each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be profiled as a mature driver, has no tickets, and drives newer vehicles. A customer who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t meet the “perfect” profile will be quoted more money which usually ends up with business not being written. The ad wording is “customers who switch” but not “drivers who get quotes” save money. This is how companies can make the claims of big savings. This emphasizes why it’s extremely important to compare as many rates as you can. Because you never know which company will have the lowest Mercedes-Benz S-Class insurance rates.

Auto insurance coverage information

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as court costs, loss of income, bail bonds, medical expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2011 Mercedes-Benz S-Class.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, fire damage, theft, hail damage and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This coverage covers damage to your S-Class resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, driving through your garage door, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Buy Smart and Save

When shopping online for insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Consumers switch companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, lack of trust in their agent or high prices. Whatever your reason, switching insurance companies is easier than you think.

Low-cost 2011 Mercedes-Benz S-Class insurance is definitely available online and with local insurance agents, so compare prices from both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

Additional insurance information can be read at these links: