2015 Mercedes-Benz S-Class Insurance Quotes – 7 Discounts for Best Rates

Want better auto insurance rates for your Mercedes-Benz S-Class? Trying to find better insurance prices for your Mercedes-Benz S-Class can be an all-consuming task, but you can use our auto insurance buying tips to save time.

There is a better way to shop for auto insurance and you need to know the best way to get price quotes for your Mercedes-Benz and find the lowest possible price from local insurance agents and online providers.

Consumers need to compare rates occasionally since insurance rates are rarely the same from one policy term to another. Even if you think you had the best price on S-Class insurance a year ago you may be paying too much now. Ignore everything you know about auto insurance because we’re going to demonstrate the fastest way to buy cheaper auto insurance.

If you are insured now or need new coverage, you can use this information to find the best rates and still get good coverage. Pricing the cheapest auto insurance is easy if you know what you’re doing. Drivers just need to understand the proper methods to get comparison rates on the web.

The best way to compare insurance rates in your area takes advantage of the fact almost all companies provide online access to provide you with a free rate quote. The only thing you need to do is spend a couple of minutes providing details like an estimate of your credit level, how you use your vehicles, if it has an alarm system, and the make and model of your vehicles. Your details is instantly provided to multiple companies and they return rate quotes instantly to find the best rate.

To compare multiple company rates now, click here and see if a lower rate is available.

Save money by taking advantage of these seven discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specially asked for before you get the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Student in College – Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Club Memberships – Being a member of certain professional organizations is a good way to get lower rates on your policy on S-Class insurance.
  • No Accidents – Good drivers with no accidents pay less as compared to accident-prone drivers.
  • Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates if you are claim-free prior to the accident.

Drivers should understand that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

To see a list of providers who offer auto insurance discounts, click here.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability do I need to cover my assets?
  • How high should deductibles be on a 2015 Mercedes-Benz S-Class?
  • If my 2015 Mercedes-Benz S-Class is totaled, can I afford another vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Don’t believe everything you hear

Consumers constantly see and hear ads for cheaper car insurance by State Farm, Geico and Progressive. All the companies make an identical promise of big savings after switching to their company.

How can each company claim to save you money?

All companies can use profiling for the type of customer that earns them a profit. A good example of a preferred risk could be over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t qualify for these standards must pay higher premiums which leads to the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That is how companies can advertise the savings.

This illustrates why you need to compare many company’s rates. Because you never know which insurance company will provide you with the cheapest Mercedes-Benz S-Class insurance rates.

Insurance coverages and their meanings

Having a good grasp of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverages – This will pay to fix damage to your S-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, damage from getting keyed, damage from flooding and hitting a deer. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance – Liability insurance can cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, legal defense fees, medical expenses, medical services and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, surgery, nursing services and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Save your cold hard cash

Affordable 2015 Mercedes-Benz S-Class insurance can be sourced on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

People change insurance companies for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, policy non-renewal and being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company can be less work than you think.

As you restructure your insurance plan, you should never buy poor coverage just to save money. Too many times, an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

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