Lower Your 1999 Mercedes-Benz S-Class Insurance Cost

Looking for cheaper insurance rates? Shoppers have lots of choices when shopping for the best price on Mercedes-Benz S-Class insurance. You can either spend your time calling around to compare prices or save time using the internet to make rate comparisons.

There are more efficient ways to buy insurance and we’ll show you the proper way to quote coverages for a new or used Mercedes-Benz and locate the lowest possible price from both online companies and local agents.

It’s smart to get comparison quotes every six months because prices change frequently. Just because you had the lowest price for S-Class coverage two years ago other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to demonstrate one of the quickest ways to find the best coverage while lowering your premiums.

How to buy insurance online

The majority of larger companies like GEICO, State Farm and Progressive allow consumers to get price estimates on their websites. Getting prices online can be done by anyone as you just type in your required coverages on the page. After you complete the form, their quoting system will obtain your credit score and driving record and returns a price quote based on the data you entered.

Online quotes streamlines rate comparisons, but the time required to go to multiple sites and type in your information can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible if you want to find better prices.

An easier way to get multiple rate quotes requires only one form that gets price quotes from many companies. The form is fast, reduces the work, and makes rate comparisons a little more enjoyable. As soon as you send your information, your coverage is rated and you are able to buy any one of the quotes that you receive.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

In order to find out if lower rates are available, click here and fill out the form. To compare your current rates, we recommend you enter the coverage information identical to your current policy. Doing this guarantees you’re receiving a rate comparison using the exact same coverages.

Don’t be fooled by advertising claims

Drivers can’t ignore all the ads for insurance coverage savings from companies such as GEICO, State Farm and Progressive. All the companies make an identical promise of big savings if you just switch your insurance coverage coverage to their company.

It sounds good, but how can they all charge less that you’re paying now? This is the trick they use.

Most companies require specific criteria for the type of driver that is profitable for them. A good example of a profitable risk profile might be described as married and over the age of 30, has a low-risk occupation, and drives less than 5,000 miles a year. Any new insured that matches those criteria receive the lowest rate quotes and will also save money with a new company.

Potential customers who do not fit these stringent criteria may be required to pay higher rates and ends up with the customer buying from a different company. The trick is to say “people who switch” not “everyone who quotes” save the amount stated. That is how insurance companies can confidently state the savings.

Different companies use different criteria so drivers must compare price quotes frequently. It is impossible to predict the company that will have the lowest rates.

Learn how to quote insurance coverage for less

Multiple criteria are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, although others are less apparent such as whether you are married or your financial responsibility.Consumers need to have an understanding of some of the factors that come into play when calculating the price you pay for insurance coverage. When you understand what influences your rates, this allows you to make good choices that will entitle you to cheaper rates.

The following are most of the major factors used by your company to calculate prices.

  • GPS tracking and theft deterrents lowers rates – Driving a car with an alarm system can help lower your rates. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft and help lower rates.
  • Bad drivers pay high rates – Whether or not you get tickets influences premium rates substantially. Just one moving violation may increase your cost by twenty percent. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers who have careless violations like reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Your vocation may affect prices – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as fire fighters, architects and dentists have higher rates than the rest of us attributed to stressful work requirements and lengthy work days. On the flip side, careers such as actors, historians and performers generally pay rates lower than average for S-Class coverage.
  • Insurance rates for married couples – Being married can actually save you money on your policy. Having a significant other demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
  • A good credit history can save money – An insured’s credit score can be a huge factor in determining what you pay. Drivers with excellent credit tend to file fewer claims than drivers who have poor credit scores. Therefore, if your credit score is low, you could pay less to insure your 1999 Mercedes-Benz S-Class by improving your rating.
  • Cheaper rates for prior coverage – Driving your car without having proper coverage can get your license suspended and you may have a hard time finding new coverage because you let your insurance expire. And not only will your rates increase, the inability to provide proof of insurance might get you fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Buy as much liability protection as you can afford – Your insurance coverage policy’s liability coverage is the protection when a court rules you are at fault for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Incidental coverages may not be needed – Policies have optional add-on coverages that can add up on your S-Class policy. Things like rental car coverage, accident forgiveness, and extra equipment coverage may be wasting your money. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so think about removing them and cutting costs.

Pay discount rates these money-saving discounts

Companies don’t always publicize all disounts very well, so we break down both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off the medical payments premium.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for a discount up to 10% for S-Class coverage.
  • Membership in Organizations – Participating in a civic or occupational organization can get you a small discount on your bill.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
  • Telematics Discount – Drivers who agree to allow driving data collection to study driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower prices.
  • Good Students Pay Less – Being a good student may save as much as 25% on a insurance quote. You can use this discount normally well after school through age 25.
  • Discounts for Good Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for S-Class coverage compared to rates paid by drivers with frequent claims.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Some of the insurance companies that may include some of the discounts shown above possibly include:

When comparing rates, check with every prospective company the best way to save money. Some credits might not be available to policyholders in your area. To choose insurance companies with discount rates, follow this link.

Do I need special coverages?

When it comes to buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your situation might need professional guidance.

  • Do all my vehicles need collision coverage?
  • Does my 1999 Mercedes-Benz S-Class qualify for pleasure use?
  • Can I still get insurance after a DUI?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my camper covered by my car insurance policy?
  • What if I owe more than I can insure my car for?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I hit my neighbor’s mailbox?
  • Who is covered when they drive my 1999 Mercedes-Benz S-Class?
  • Where can I find high-risk insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage specifics

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision – Collision coverage covers damage to your S-Class from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive protection – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a bird and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, loss of income, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz S-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, ambulance fees, funeral costs, prosthetic devices and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

We’ve covered many tips how you can lower your 1999 Mercedes-Benz S-Class insurance car insurance rates. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the best car insurance rates are with a smaller regional carrier.

When shopping online for insurance, never skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

The cheapest 1999 Mercedes-Benz S-Class insurance is available from both online companies in addition to many insurance agents, so you need to shop insurance with both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and many times these regional carriers only sell coverage through independent insurance agencies.

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