2009 Mercedes-Benz S-Class Insurance Rates – 5 Policy Discounts

Looking for lower insurance coverage rates for your Mercedes-Benz S-Class? When searching for cheaper insurance, do you get frustrated by the dozens of insurance coverage companies in your area? You have so many options that it is hard work to find the best premium rates.

Get cheaper rates with these five discounts

Car insurance is neither fun to buy or cheap, but there may be some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be manually applied prior to receiving the credit.

  • Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for S-Class insurance with some car insurance companies.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
  • Defensive Driver – Successfully completing a safe driver course is a good idea and can lower rates if you qualify.
  • Early Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid the installment charge.
  • Waiver for an Accident – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident without raising rates if you are claim-free prior to the accident.

Policy discounts save money, but most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

To see a list of companies with significant discounts, click here.

The method we recommend to compare insurance rates in your area takes advantage of the fact auto insurance companies will pay a fee to compare rate quotes. To begin a comparison, all you need to do is provide details such as if the vehicle is leased, whether you have decent credit, if you have an active license, and if you’re married. Your details is instantly sent to insurance carriers in your area and you will receive price estimates almost instantly.

What is the best insurance coverage coverage?

When buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether you would benefit from professional advice.

  • What is an SR-22 filing?
  • What should my uninsured motorist coverage limits be in my state?
  • If my pet gets injured in an accident are they covered?
  • Does my 2009 Mercedes-Benz S-Class qualify for pleasure use?
  • Do I need replacement cost coverage?
  • Does insurance cover damages from a DUI accident?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance myths debunked

Auto insurance providers like Progressive, GEICO, Allstate and State Farm consistently run television, radio, and online ads. They all make an identical promise that drivers will save a bundle just by moving your coverage. That’s great but how can every company save you money?

Many companies quote the lowest rates for the right customer that will generate a profit. For instance, a profitable risk profile might be described as a married female, owns a home, and does not commute to work. Any person who matches those parameters will get very good prices and as a result will probably save when they switch companies.

Insureds who do not meet the “perfect” profile must pay a more expensive rate with the end result being business going elsewhere. The trick is to say “customers that switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can make those statements. Because of the profiling, you should get as many free car insurance quotes as possible. You cannot predict which company will provide the lowest prices.

The coverage is in the details

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

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

Collision coverage protects against claims like hitting a mailbox, damaging your car on a curb, driving through your garage door, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz S-Class.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, rehabilitation expenses, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability car insurance – Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like medical services, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Compare but don’t skimp

Some insurance companies don’t offer online price quotes and these smaller companies only sell coverage through local independent agencies. Affordable 2009 Mercedes-Benz S-Class insurance is definitely available online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

We’ve covered many ways to shop for 2009 Mercedes-Benz S-Class insurance online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the lowest priced auto insurance comes from an unexpected company.

When searching for low cost car insurance quotes, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone dropped collision coverage only to regret they didn’t purchase enough coverage. The aim is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

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