1994 Mercedes-Benz S-Class Insurance Quotes

Searching for better auto insurance rates? Consumers have many options when looking for affordable Mercedes-Benz S-Class insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance so you’re going to learn the best way to get price quotes for a new or used Mercedes-Benz and obtain the lowest possible price.

It is always a good idea to take a look at other company’s rates before your next renewal since prices are usually higher with each renewal. Just because you had the lowest quotes on S-Class insurance on your last policy there may be better deals available now. Ignore everything you know about auto insurance because you’re going to learn the quickest way to find better rates and still maintain coverage.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. Drivers only need an understanding of the best way to shop their coverage around over the internet.

Compare insurance coverage price quotes

There are several ways to compare insurance coverage prices but one way is easier and takes less work. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where insurance shoppers submit one quote, and each participating company provides a quote based on that information. This eliminates the need for quote forms for every insurance coverage company.

To participate in this free quote system, click here to start a free quote.

The single downside to using this type of form is you don’t know exactly which insurance companies you will receive quotes from. So if you want to choose specific insurance companies for rate comparison, we put together a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure to compare identical coverage information with every price quote. If you enter different data then you won’t be able to truly determine the lowest rate.

Beware of misleading insurance ads

Consumers can’t get away from all the ads that promise big savings from companies such as Allstate and Progressive. They all tend to make the same promise that drivers can save some big amount just by switching your policy.

How does each company make almost identical claims?

Insurance companies offer their best rates for the type of driver that is profitable for them. A good example of this type of risk profile might have to be over the age of 35, has no driving citations, and drives a vehicle with a low ISO rating. Anybody that hits that “sweet spot” will most likely get cheap car insurance rates and will probably save when switching.

People who do not fit this stringent profile will be quoted more expensive rates which results in the prospect going elsewhere. The trick is to say “customers that switch” not “all people who quote” save money. This is how companies can make claims like that. This emphasizes why it is so important to quote coverage with many companies. It is impossible to guess with any certainty which company will have the best car insurance rates.

Discount auto insurance quotes

Some providers don’t necessarily list every possible discount in a way that’s easy to find, so the following list contains some of the best known in addition to some of the lesser obvious discounts that may be available.

  • Clubs and Organizations – Affiliation with a civic or occupational organization may earn a discount on your policy.
  • Military Rewards – Being on active deployment in the military could mean lower auto insurance rates.
  • Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance on S-Class insurance depending on your auto insurance provider.
  • 55 and Retired – Seniors could receive a slight reduction on a car insurance quote on S-Class insurance.
  • College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Online Discount – Certain larger companies will provide an incentive for buying your policy on your computer.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a car insurance quote.
  • No Claim Discounts – Drivers with accident-free driving histories have much lower rates in comparison with insureds who have frequent claims or accidents.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will bring down your policy premiums.

Large auto insurance companies and their possible discounts include:

  • 21st Century may include discounts for theft prevention, automatic seat belts, good student, driver training, student driver, and anti-lock brakes.
  • State Farm offers premium reductions for good student, passive restraint, Steer Clear safe driver discount, accident-free, multiple policy, defensive driving training, and Drive Safe & Save.
  • AAA includes discounts for anti-theft, pay-in-full, good student, education and occupation, AAA membership discount, and multi-car.
  • Liberty Mutual policyholders can earn discounts including newly married, preferred payment discount, new vehicle discount, newly retired, and teen driver discount.
  • Progressive may have discounts that include multi-policy, good student, online signing, continuous coverage, and online quote discount.

If you want cheap car insurance quotes, ask each company or agent to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders everywhere. If you would like to view companies that offer discounts, click here to view.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs could use an agent’s help.

  • When should I drop full coverage on my 1994 Mercedes-Benz S-Class?
  • Is my teen driver covered when they drive my company car?
  • Why do I only qualify for high-risk insurance?
  • Should I waive the damage coverage when renting a car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my 1994 Mercedes-Benz S-Class qualify for pleasure use?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Auto liability

Liability insurance can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like pain and suffering, funeral expenses and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Collision coverage

Collision coverage covers damage to your S-Class resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as pain medications, doctor visits and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

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. So UM/UIM coverage is a good idea.

Find Good Coverage for Less

A few companies do not offer online price quotes and many times these small insurance companies sell through independent agents. More affordable auto insurance is possible online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

We covered quite a bit of information on how to lower your 1994 Mercedes-Benz S-Class insurance car insurance rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from a lesser-known regional company.

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