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.
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.
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.
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.
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.
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.
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.
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.
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.
Kathey Spears
1995 Mercedes-Benz S-Class + Progressive = CHEAP! At least inHawaii anyway.
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.
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.
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.
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.
Krystal Baker
Will State Farm give a discount for driver training?
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.
Maegan Lloyd
$100 to anyone who understands their policy.
Laquanda Everett
Got pretty cheap 1995 Mercedes-Benz S-Class insurance from GEICO in Omaha, NE.
Porsha Thompson
I was with Hartford last year but switched to Progressive. I’m in Aurora, IL.
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.
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.
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.
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.
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.
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.
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.
Mabelle Gay
Anyone understand their policy?