2017 Mercedes-Benz S-Class Insurance Quotes

Feel like you’re a prisoner to overpriced insurance coverage? You’re in good company because many consumers feel financially strained by their insurance coverage policy.

Due to the abundance of companies and agents to choose from, it is very difficult to locate the most cost effective company.

It’s a good habit to shop coverage around yearly because insurance coverage rates trend upward over time. If you had the best deal on S-Class insurance a couple years back you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the proper way to lower your annual insurance bill.

More discounts mean cheaper premiums

Companies offering auto insurance don’t always advertise all disounts very well, so the list below contains a few of the more common as well as some of the hidden discounts that you can inquire about if you buy auto insurance online. If you do not double check each discount you deserve, you are paying more than you should be.

  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Geico, Progressive, and Allstate will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Low Mileage Discounts – Low annual miles could qualify for slightly better insurance coveragerates than normal.
  • Discount for Swiching Early – Some insurance coverage companies reward drivers for switching companies before your current expiration date. Ten percent is about the average savings.
  • Membership in Organizations – Affiliation with qualifying employment or professional organizations could qualify you for a break when getting a auto insurance quote.
  • Home Ownership Discount – Just being a homeowner can help you save on insurance coverage because owning a home demonstrates responsibility.
  • Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.

Keep in mind that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

If you would like to choose from a list of insurance coverage companies who offer cheap insurance coverage quotes, follow this link.

It’s not one size fits all

When it comes to choosing coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • Should I put collision coverage on all my vehicles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my camper covered by my car insurance policy?
  • How high should my medical payments coverage be?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Big brands don’t always mean big savings

Respected companies like 21st Century, Allstate and State Farm consistently run ads on television and other media. They all seem to seem to make the promise that you can save if you change your policy. How is it plausible that every one can have lower policy pricing? Here is the trick they use.

Different companies have underwriting criteria for the type of customer that earns them a profit. An example of a desirable risk could possibly be a married female, is a homeowner, and does not commute to work. Any driver that meets those criteria will get the preferred car insurance rates and therefore will save quite a bit of money when switching.

Potential customers who don’t meet this stringent profile may be forced to pay a higher rate and this can result in the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can confidently lure you into getting a quote. Because of this risk profiling, you should compare free auto insurance quotes often. Because you cannot predict with any certainty which company will have the lowest rate quotes.

Insurance coverage options for a 2017 Mercedes-Benz S-Class

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Collision – Collision insurance covers damage to your S-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, hitting a mailbox, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability car insurance – Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as court costs, medical expenses, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses for things like prosthetic devices, funeral costs, surgery, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Be a smart shopper

We just showed you a lot of ways to lower your 2017 Mercedes-Benz S-Class insurance car insurance rates. The key thing to remember is the more price quotes you have, the better likelihood of getting cheap auto insurance. You may even discover the lowest priced insurance coverage comes from some of the smallest insurance companies. Some small companies often have lower premium rates on specific markets than their larger competitors like Progressive and Geico.

Lower-priced insurance coverage is possible on the web in addition to many insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some companies may not provide online price quotes and usually these small, regional companies work with independent agents.

Additional detailed information can be found in the articles below: