2000 Mercedes-Benz S-Class Insurance Quotes – 8 Ways to Save

There isn’t a single person who anticipates paying for insurance, especially knowing the cost is too high.

Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurance companies and uncover the absolute lowest price

Consumers should take time to do rate comparisons yearly because insurance prices are adjusted regularly by insurance companies. Even if you got the best rates on S-Class insurance on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about insurance because it’s time to teach you one of the best ways to reduce your cost while increasing coverage.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Finding the best rates is easy if you know what you’re doing. But drivers do need to know the way companies price insurance differently and use this information to your advantage.

Affordable car insurance

Comparing car insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and each participating company can provide price quotes determined by their information. This prevents consumers from doing repetitive form submissions for each company. To compare rates now click here to open in new window.

The one disadvantage to comparing rates this way is you don’t know exactly which providers you want pricing from. If you wish to select specific providers to compare rates, we have a page of companies who write car insurance in your area. Click to view list.

Whichever way you use, compare identical quote information for every quote you compare. If you enter different deductibles it will be very difficult to determine which rate is truly the best. Even a minor difference in insurance coverages could throw off the whole comparison. And when comparing car insurance rates, know that more quotes gives you a better chance of getting better pricing. Some smaller insurers to not give online quotes, so you need to compare price estimates from them, too.

Use discounts to get cheaper auto insurance rates

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not even know about. Some trigger automatically at the time of quoting, but a few must be inquired about before they will apply. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.

  • Student Discounts – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Low Mileage Discounts – Driving fewer miles can earn lower auto insurancerates on the low mileage vehicles.
  • Save over 55 – If you qualify as a senior citizen, you can get a slight reduction on a auto insurance quote on S-Class insurance.
  • Multi-car Discount – Insuring all your vehicles on one policy can reduce rates for all insured vehicles.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off PIP or medical payments premium.
  • Military Rewards – Having an actively deployed family member could qualify you for better prices.
  • Accident Forgiveness – This one isn’t a discount, but companies like State Farm and Progressive will let one accident slide before your rates go up if you are claim-free for a set time period.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

To view providers who offer auto insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might point out whether or not you could use an agent’s help.

  • If my pet gets injured in an accident are they covered?
  • What can I do if my company won’t pay a claim?
  • Why is insurance for a teen driver so high?
  • Am I covered if my car is in a flood?
  • How do I file an SR-22 for a DUI in my state?
  • How high should deductibles be on a 2000 Mercedes-Benz S-Class?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have any recourse if my insurance company denies a claim?
  • What is medical payments coverage?
  • Is motorclub coverage worth it?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz S-Class.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, dental work, surgery and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability insurance – Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical services, repair bills for other people’s vehicles, funeral expenses and medical expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage 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 hitting a deer, damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, damaging your car on a curb, backing into a parked car, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

In the end, you save

You just read some good ideas how you can shop for 2000 Mercedes-Benz S-Class insurance online. The key concept to understand is the more you quote auto insurance, the better likelihood of getting inexpensive auto insurance. Consumers could even find that the best premium rates are with some of the lesser-known companies. These companies may only write in your state and offer lower prices than their larger competitors like Allstate or State Farm.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. Too many times, someone dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Budget-conscious 2000 Mercedes-Benz S-Class insurance is definitely available from both online companies in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some companies do not provide rates over the internet and these smaller companies sell through independent insurance agents.

More detailed auto insurance information is available in the articles below: