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Mercedes-Benz S-Class Insurance Rates

Buying auto insurance from online companies saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare the lowest prices.

Shopping online for auto insurance is challenging if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. Cutting your S-Class insurance cost is actually quite simple. Drivers just need to take a couple of minutes getting comparison quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

What factors determine your insurance rates?

Car insurance premiums for a Mercedes-Benz S-Class can vary widely and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating
  • Male drivers pay higher rates
  • The deductible you choose
  • Your vehicle's safety rating
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

An additional factor that helps determine S-Class insurance rates is the year of the vehicle. Models that are new cost more than older models so the costs to repair can inflate annual premiums. But new Mercedes-Benz models may have safety features including anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which can help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage - This provides protection from damages or injuries you inflict on other people or property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy higher limits if possible.

Collision - Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. S-Class collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and may carry a deductible.

How Much are Mercedes-Benz S-Class Insurance Rates?