Compare 2008 Mercedes-Benz S-Class Car Insurance Quotes

Trying to find cheaper auto insurance rates for your Mercedes-Benz S-Class? Searching for cheaper insurance for your Mercedes-Benz S-Class can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for auto insurance so we’re going to tell you the best way to quote coverages for a new or used Mercedes-Benz and find the lowest price either online or from local insurance agents.

Consumers should take time to check auto insurance prices as often as possible since prices are adjusted regularly by insurance companies. If you had the best rates on S-Class insurance a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to teach you the right way to properly buy coverages and cut your premium.

If you are insured now or need a new policy, you can use this information to find better prices and still get good coverage. Buying affordable coverage is quite easy. Vehicle owners just need to know the proper way to shop their coverage around on the web.

Double check you’re getting these discounts

Some companies don’t list every discount they offer very well, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits available to bring down your rates.

  • Sign Online – Some auto insurance companies will discount your bill up to fifty bucks get car insurance on the internet.
  • Save with a New Car – Buying insurance on a new vehicle may earn a small discount due to better safety requirements for new model year vehicles.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Auto/Life Discount – Larger auto insurance companies have a small discount if you purchase life insurance from them.
  • Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts in comparison with frequent claim filers.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy.

The best auto insurance companies and the discounts they provide can be read below.

  • Progressive may have discounts that include continuous coverage, multi-vehicle, multi-policy, online quote discount, good student, online signing, and homeowner.
  • SAFECO offers discounts for safe driver, teen safety rewards, drive less, accident prevention training, homeowner, bundle discounts, and teen safe driver.
  • American Family may offer discounts for multi-vehicle, defensive driver, early bird, Steer into Savings, good driver, air bags, and mySafetyValet.
  • MetLife includes discounts for accident-free, good driver, claim-free, good student, and multi-policy.
  • GEICO offers premium reductions for emergency military deployment, defensive driver, military active duty, driver training, anti-lock brakes, membership and employees, and multi-vehicle.
  • The Hartford may include discounts for good student, defensive driver, bundle, anti-theft, air bag, driver training, and vehicle fuel type.

Before purchasing a policy, check with every company what discounts are available to you. Some discounts listed above may not apply in every state.

Special considerations

When buying coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions may help you determine whether you would benefit from an agent’s advice.

  • Does coverage extend to Mexico or Canada?
  • How much underlying liability do I need for an umbrella policy?
  • Is my Mercedes-Benz S-Class covered if I use it for business?
  • Where can I find DUI or SR-22 insurance?
  • Should I rate my 2008 Mercedes-Benz S-Class as pleasure use or commute?
  • How much liability insurance is required?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverage basics

Knowing the specifics of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz S-Class.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like ambulance fees, pain medications, doctor visits, hospital visits and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

This will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, repair costs for stationary objects, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, theft, hail damage, rock chips in glass and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Have money to burn

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at the best cost while still protecting your assets.

Affordable 2008 Mercedes-Benz S-Class insurance is definitely available from both online companies and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these small insurance companies sell through independent agencies.

People change insurance companies for a number of reasons such as denial of a claim, delays in paying claims, high rates after DUI convictions and policy non-renewal. Whatever your reason, finding a great new company is not as difficult as it may seem.

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