Save on 2010 Mercedes-Benz S-Class Insurance Cost

Car owners new to comparison shopping online are likely to discover buying the cheapest car insurance to be a formidable task.

How to buy auto insurance online

When shopping for auto insurance there are multiple ways to obtain and compare prices from companies that offer auto insurance in your state. The easiest way by far to find the cheapest 2010 Mercedes-Benz S-Class insurance rates is to jump online and get quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

One of the best ways to get quotes for comparison is a comparison rater form click to view form in new window. This easy form prevents you from having to do multiple quote forms for every company. Completing one form gets prices estimates from multiple companies.It’s the quickest way to get rates.
A different way to find more affordable insurance requires a trip to each company’s website and fill out their own quote form. For sake of this example, we’ll pretend you want to get rates from State Farm, Safeco and Liberty Mutual. To get each rate you have to spend time going to each site individually and enter your information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make sure you are using identical quote information with every price quote. If you are comparing different deductibles it will be very difficult to determine the lowest rate for your Mercedes-Benz S-Class. Quoting even small variations in limits could throw off the whole comparison. And when comparison shopping, comparing a large number of companies helps locate a lower rate. Not every company allows you to get online rate quotes, so you also need to get price estimates from the smaller companies as well.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

Can I afford low physical damage deductibles?
Is my state a no-fault state?
Do I need replacement cost coverage on my 2010 Mercedes-Benz S-Class?
Where can I find high-risk insurance?
Are my friends covered when driving my car?
If I drive on a suspended license am I covered?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Insurance policy coverages for a Mercedes-Benz S-Class

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability

Liability coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like funeral expenses, emergency aid, pain and suffering, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, theft, hitting a deer, falling objects and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your S-Class resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, crashing into a ditch, hitting a mailbox, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz S-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses for rehabilitation expenses, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage