2014 Mercedes-Benz S-Class Insurance Quotes

Consumers have options when looking for the lowest priced Mercedes-Benz S-Class insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to make rate comparisons.

There are more efficient ways to shop for insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Mercedes-Benz and get the lowest possible price from both online companies and local agents.

You need to do rate comparisons quite often since insurance prices are adjusted regularly by insurance companies. Just because you found the best deal for S-Class coverage on your last policy you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to learn the easiest way to save money, get proper coverage and the best rates.

If you have a current insurance coverage policy or are looking for a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. The purpose of this post is to teach you the most effective way to quote insurance and some money-saving tips. Drivers just need to learn the proper way to compare price quotes over the internet.

The quickest way to compare car insurance rates is to take advantage of the fact most of the bigger providers participate in online systems to compare rate quotes. All consumers are required to do is give them some information including whether you are married, if a SR-22 is needed, how you use your vehicles, and your job. The data is then sent to multiple car insurance providers and you get price estimates with very little delay.

Save money with these tips

Many factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, although others are more transparent such as your credit history or your financial responsibility.

  • Tickets can increase costs – Getting just one citation could increase your next policy renewal twenty percent or more. Attentive drivers get better rates as compared to careless drivers. Drivers who get severe citations such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Getting married can lower prices – Your spouse actually saves money on car insurance. It usually means you are more mature and responsible and insurance companies like that married couples file fewer claims.
  • Teenagers are high risk – Drivers with little experience are known to be inattentive in a vehicle so they pay higher car insurance rates. Parents adding a beginning driver to your car insurance policy can cause a big jump in price. Older, more experienced drivers have been proven to be more responsible, cause fewer claims and accidents and are safer drivers.
  • Lower premiums with uninterrupted coverage – Driving your car without having proper coverage is a misdemeanor and car insurance companies will penalize you for letting your insurance expire. Not only will you pay more, being ticketed for driving with no insurance will get you fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Pay more of a claim out-of-pocket – Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Mercedes-Benz. Some examples of covered claims could be a windshield shattered by a rock, damage caused by hail, and damage caused by flying debris. The deductibles define how much you are required to pay before a claim is paid by your company. The more expense you pay before a claim is paid (deductible), the lower your rates will be for S-Class coverage.
  • Vehicles with better crash test results lower prices – Vehicles that have high safety ratings get lower rates. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.
  • Vehicles with better crash test results that lower prices – Selecting a car model with a theft deterrent system can save you some money. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft and help lower rates.

Discounts for affordable auto insurance quotes

Some companies don’t always list the entire discount list in a way that’s easy to find, so we researched both well-publicized and also the lesser-known credits that you can use to lower your rates.

  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 25 to 30%.
  • Defensive Driver – Taking time to complete a class that teaches driver safety techniques could save 5% or more and easily pay for the cost of the class.
  • Military Rewards – Being on active duty in the military may lower your rates slightly.
  • Driving Data Discount – Drivers who elect to allow driving data submission to spy on where and when they drive remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
  • College Student – Older children who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy can reduce rates for all insured vehicles.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

Some of the insurance companies that may include most of the discounts above include:

Before you buy a policy, ask each company how many discounts you can get. Some credits may not be offered in your area. If you would like to view auto insurance companies with the best discounts, click here to view.

You may need specialized auto insurance coverage

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out if you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need roadside assistance coverage?
  • Are rental cars covered under my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is pleasure use cheaper than using my 2014 Mercedes-Benz S-Class to commute?
  • Am I covered when driving on a suspended license?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for immediate expenses for things like hospital visits, chiropractic care, pain medications, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – This provides protection from damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, structural damage, emergency aid, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Mercedes-Benz S-Class.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage – This coverage pays for damage to your S-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage – This will pay to fix 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 claims such as hitting a bird, a broken windshield and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Online plus local equals savings

We’ve covered many tips how you can save on 2014 Mercedes-Benz S-Class insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company.

Drivers switch companies for a variety of reasons including policy non-renewal, delays in paying claims, being labeled a high risk driver or even lack of trust in their agent. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

Some car insurance companies may not have online price quotes and most of the time these smaller providers provide coverage only through independent agents. Discount 2014 Mercedes-Benz S-Class insurance can be purchased from both online companies as well as from independent agents, and you should be comparing both to have the best chance of lowering rates.

Additional information is located at the links below