View 1995 Mercedes-Benz S-Class Car Insurance Cost

Searching for cheaper auto insurance rates for your Mercedes-Benz S-Class? Nobody I know fancies paying their premiums for auto insurance, especially when they know they could find better rates elsewhere. Online insurance companies like Geico and Progressive all claim big savings with TV and radio ads and it can be hard to ignore the promise of big savings and do the work needed to find the best deal.

If you are insured now or are looking for a new policy, you can use these tips to cut your premiums while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to know the proper methods to shop for insurance over the internet.

Free auto insurance price quotes

There are a lot of ways to shop for auto insurance, but there is one way that is easier and takes less work. You could spend the better part of a day talking to agents in your area, or you could save time and use online quotes to achieve your goal.

Most of the best insurance companies take part in a program that enables customers to submit one quote, and every company then gives them pricing. This eliminates the need for repetitive form submissions to every company.

To access this free quoting program, click here to open in new window.

The single downside to using this type of form is buyers cannot specifically choose which companies to get quotes from. If you would rather choose individual companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use the same coverages and limits for each quote you get. If the quotes have different data then you won’t be able to determine the lowest rate for your Mercedes-Benz S-Class.

Eight tips to get cheap insurance prices

Multiple criteria are taken into consideration when pricing auto insurance. Some are pretty understandable such as traffic violations, but other factors are not quite as obvious like your vehicle usage or your vehicle rating.One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that come into play when calculating car insurance rates. If you understand what determines base rates, this enables informed choices that will entitle you to cheaper rates.

Shown below are some of the factors that factor into rates.

  • Liability coverage – Liability insurance provides coverage in the event that a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense to defend your case. Liability insurance is quite affordable compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Can a thief steal your car? – Owning a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder vehicle theft.
  • Car insurance rates and your vocation – Occupational choices like military personnelairline pilots and miners are shown to have the highest average rates because of intense work requirements and lots of time spent away from family. Conversely, professions such as actors, historians and the unemployed generally pay rates lower than average on S-Class coverage.
  • Policy add-ons add up – Insurance companies have many extra coverages that you can get tricked into buying on your car insurance policy. Coverages for replacement cost coverage, high-cost glass coverage, and motor club memberships are some examples. These may sound like a good investment when buying your policy, but your needs may have changed so think about removing them and cutting costs.
  • Coverage deductibles are a factor – Insurance for physical damage to your car, also called ‘full coverage’, covers your vehicle from damage. Examples of some claims that would be covered could be a dented fender, hitting a deer, and having your car stolen. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The larger the amount you have to pay, the bigger discount you will receive on S-Class coverage.
  • Males pay higher prices – The statistics show that women are safer drivers than men. It does not mean females are better drivers. Males and females cause fender benders in similar numbers, but the males tend to have higher claims. Men also statistically have more aggressive citations like driving under the influence (DUI).
  • Better prices on vehicles with better crash test results – Vehicles that have high safety ratings get lower rates. Vehicles built for safety protect occupants better and any reduction in injury severity means your insurance company pays less and thus lower rates. If the Mercedes-Benz S-Class is rated at a minimum four stars on Safercar.gov it may cost less to insure.
  • When should you file a claims? – If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Companies award most affordable rates to policyholders who file claims infrequently. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.

Auto insurance companies offer many types of discounts

Some companies don’t list all disounts very clearly, so the below list has both the well known and also the more inconspicuous credits available to bring down your rates.

  • E-sign Discounts</strong – A few larger online companies provide a small discount just for signing your application digitally online.
  • Discounts for Responsible Drivers – Drivers who avoid accidents could pay up to 40% less on S-Class coverage compared to accident prone drivers.
  • Bundle and Save – When you combine your auto and home insurance and insure them with the same company you could earn a discount of approximately 10% to 15%.
  • More Vehicles More Savings – Drivers who insure all your vehicles on one policy could earn a price break for each car.
  • Senior Discount – Drivers that qualify as senior citizens may be able to get better auto insurance rates on S-Class coverage.
  • Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
  • College Student Discount – Kids who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.

Please keep in mind that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.

Auto insurance companies that may offer some of the discounts shown above include:

If you need lower rates, check with all companies you are considering which discounts you qualify for. Some discounts listed above may not apply to policies in your area.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might point out if your insurance needs could use an agent’s help.

  • Is upholstery damage covered by car insurance?
  • What vehicles should carry emergency assistance coverage?
  • What is the minimum liability in my state?
  • Is my state a no-fault state?
  • If I drive on a suspended license am I covered?
  • Do I pay less if my vehicle is kept in my garage?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my 1995 Mercedes-Benz S-Class qualify for pleasure use?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Parts of your insurance policy

Understanding the coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses like pain medications, doctor visits and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 1995 Mercedes-Benz S-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

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

Comprehensive can pay for claims such as hitting a bird, rock chips in glass, a tree branch falling on your vehicle and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your S-Class resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, damaging your car on a curb, crashing into a ditch, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like structural damage, medical services and court costs. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Better coverage you can count on

We just showed you quite a bit of information on how to shop for 1995 Mercedes-Benz S-Class insurance online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable insurance. You may even find the most savings is with the smaller companies. These companies may only write in your state and offer lower premium rates compared to the large companies like Allstate or State Farm.

Some insurance providers don’t offer internet price quotes regional carriers work with independent agents. Cost effective 1995 Mercedes-Benz S-Class insurance can be found on the web and from local insurance agents, so you need to compare both so you have a total pricing picture.

When you buy insurance online, you should never reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits only to find out that it was a big mistake. The aim is to buy enough coverage at an affordable rate and still be able to protect your assets.

Additional information

Comments About 1995 Mercedes-Benz S-Class Insurance

  1. Kathey Spears

    1995 Mercedes-Benz S-Class + Progressive = CHEAP! At least inHawaii anyway.

  2. Alphonso Harrison

    Nice post. I’m just north of Owensboro, Kentucky. Quoted a bunch of companies. Saved roughly $30 a month. Allstate was the cheapest option for me. Not sure if rates are cheaper online or through an agent.

  3. Madelaine Bentley

    Corporate greed I’m telling you. I’m in Anchorage, Alaska. Received quotes with AIG Insurance, MetLife, and Western Auto Insurance for my S-Class and saved $60 a year. Insured with Farmers before. Just liability coverage since it’s getting old.

  4. Reba Michael

    Liked the article. I’m in the east part of Tulsa, OK. Went online for free insurance quotes for a 1995 Mercedes-Benz S-Class. Ended up at about $120 savings annually. Went with 21st Century. Was with AIG Insurance. Hardly afford to drive anymore. Only insure liability on my Mercedes-Benz.

  5. Donita Riggs

    Checking in from Jersey City, New Jersey. I got free prices from Amica, Erie, and Safeco for my 1995 Mercedes-Benz S-Class and saved just over $70 a year.

  6. Krystal Baker

    Will State Farm give a discount for driver training?

  7. Aubrey Mathews

    Hope my rates come down. From Cleveland, Ohio. Got car insurance rates from Allstate, Auto-Owners, Eastwood, and Hartford for my 1995 Mercedes-Benz S-Class and saved just over $60 a year. I used their website to get prices. I dropped full coverage awhile back.

  8. Maegan Lloyd

    $100 to anyone who understands their policy.

  9. Laquanda Everett

    Got pretty cheap 1995 Mercedes-Benz S-Class insurance from GEICO in Omaha, NE.

  10. Porsha Thompson

    I was with Hartford last year but switched to Progressive. I’m in Aurora, IL.

  11. Shakita Duffy

    Not sure what I should be paying. I live just to the north of Gaithersburg, Maryland. Got quotes from State Farm, AAA, and some I forget for my S-Class and I think I saved about $20 each month. I get a discount for insuring multiple vehicles. Are quotes cheaper online? My Mercedes-Benz doesn’t have full coverage.

  12. Nancee Mckenzie

    I got quite a few price quotes for a 1995 Mercedes-Benz S-Class in Atlanta, GA. Ended up at about $90 every six months with Auto-Owners. Hopefully won’t need it. I only have liability coverage on it.

  13. Layne Miles

    I live just to the east of Juneau, AK. I quoted with 21st Century, Farmers, and Hanover for my Mercedes-Benz and I’m now saving $16 a month. Not sure about claim service. I think I’ll get rid of full coverage next time.

  14. Ana Walsh

    Lots of useful info here. Checking in from Bismarck, ND. Quoted a bunch of companies. Saved about $20 a month. State Farm was the most affordable for me. I just quoted rates online.

  15. Edra Wright

    All companies are crooks. Quoted with Farmers for my Mercedes-Benz and saved around $70 a year. Was with AAA. I get multi-vehicle and multi-policy discounts. You can get a rate quote online.

  16. Raye Stone

    If you’re a decent driver and are close to Rochester, Minnesota, check out 21st Century. You might get cheaper rates. Was with Mercury. I’m a pretty low risk driver. :) I just carry liability insurance.

  17. Delbert Wallace

    Thanks for putting this site together. I live on the west side of Bridgeport, CT. I got free rates from AAA, Nationwide, and Travelers for my Mercedes-Benz and saved around $80 a year. Left 21st Century to switch.

  18. Mabelle Gay

    Anyone understand their policy?