Lower Your 1996 Mercedes-Benz S-Class Car Insurance Quotes

Looking for better insurance rates for your Mercedes-Benz S-Class? Trying to come up with a payment for high-priced insurance can draw down your funds and possibly require you to analyze your spending habits.

Big-name insurance companies like State Farm, Geico and Farmers Insurance promote their brand names with ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

It’s a good idea to price shop coverage quite often because insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best quotes for S-Class insurance a few years ago you will most likely find a better rate today. There are a lot of ways to save on insurance on the web, but in a few minutes you can learn some great ideas on how to lower your insurance bill.

Get cheap insurance coverage with discounts

Buying insurance coverage is not cheap, but you can get discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but less common discounts must be manually applied prior to getting the savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Multiple Vehicles – Drivers who insure multiple vehicles with one company can get a discount for every vehicle.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for lower premium rates for S-Class insurance.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks on medical payment and PIP coverage.
  • Pay Early and Save – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.
  • Auto/Home Discount – If you insure your home and vehicles and insure them with the same company you could get a discount of at least 10% off all policies.
  • Professional Organizations – Having an affiliation with a civic or occupational organization can get you a small discount on your policy.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out life insurance from them.
  • Own a Home – Just being a homeowner can help you save on insurance coverage since home ownership is proof that your finances are in order.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills may get you a small discount if your company offers it.
  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class as it can save substantially.

Just know that most credits do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Popular insurance coverage companies and some of the discounts are outlined below.

  • Travelers may include discounts for good student, IntelliDrive, student away at school, early quote, save driver, payment discounts, and driver training.
  • 21st Century policyholders can earn discounts including homeowners, student driver, driver training, teen driver, and 55 and older.
  • State Farm has discounts for accident-free, Steer Clear safe driver discount, driver’s education, good student, and defensive driving training.
  • Geico may offer discounts for emergency military deployment, military active duty, air bags, daytime running lights, federal employee, and multi-policy.
  • SAFECO offers discounts including safe driver, drive less, multi-car, teen safety rewards, accident prevention training, homeowner, and anti-lock brakes.
  • AAA offers discounts for anti-theft, pay-in-full, AAA membership discount, good student, and multi-car.

If you need lower rates, check with each insurance company what discounts are available to you. Some credits might not be available to policyholders in your area. For a list of companies with the best discounts, click here.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my camper covered by my car insurance policy?
  • How do I file an SR-22 for a DUI in my state?
  • When would I need rental car insurance?
  • How high should deductibles be on a 1996 Mercedes-Benz S-Class?
  • Should I buy full coverage?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by car insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, vandalism and hail damage. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as EMT expenses, funeral costs and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Liability coverage

This coverage will cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims. 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. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Mercedes-Benz S-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Shop Smart and Save

Throughout this article, we presented a lot of information how to lower your 1996 Mercedes-Benz S-Class insurance prices. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting cheaper auto insurance. Consumers may even find the best price on insurance is with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone dropped physical damage coverage only to find out they didn’t purchase enough coverage. The goal is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

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Comments About 1996 Mercedes-Benz S-Class Insurance

  1. Tyrell Jarvis

    Here’s my quote info. I live west of Columbia, SC. Quoted prices online for a 1996 Mercedes-Benz S-Class. Ended up at about $80 savings annually. Went with Progressive. They have a lot of discounts available. I just carry liability insurance.

  2. Mike Blanchard

    If you have a clean record and are close to Chesapeake, VA, check out Allstate. You might save some money. I don’t put full coverage on it.

  3. Rose Gilmore

    Cheap is relative. From east side of Las Cruces, New Mexico. I quoted with Sentry, Encompass, Allstate, and Auto-Owners for my 1996 Mercedes-Benz S-Class and I’m now saving $16 a month. Hopefully won’t need it.

  4. Yolando Mejia

    Lots of useful info here. I’m just south of Providence, RI. Quoted quotes with Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my S-Class and I think I am saving around $20 each month. Even increased coverage a bit.

  5. Lorrie Hanson

    Anyone understand their policy?

  6. Ji Nichols

    Anyone find cheap rates around Montgomery, AL?

  7. Tricia Witt

    Does GEICO have low rates for teen drivers?

  8. Jermaine Sullivan

    All companies are crooks. Live in the southern part of Worcester, MA. Got car insurance quotes with AIG Insurance, MetLife, and a few others for my 1996 Mercedes-Benz S-Class and I’m now saving $14 a month. Left Safeco to switch. I don’t have comp or collision coverage.

  9. Hwa Chaney

    Will GEICO raise rates for a small claim?

  10. Lucilla Conway

    I live in Seattle, WA. Quoted rates from Nationwide, Farmers, Allstate, and AIG Insurance for my Mercedes-Benz and I’m now saving $24 a month. BTW speeding tickets are not good.

  11. Lisbeth Spencer

    IT’S ALL TOO EXPENSIVE! From a town just southwest of Billings, Montana. Quoted prices from USAA, AAA, GMAC, and Safeco for my 1996 Mercedes-Benz S-Class and am saving around $100 a year. Left The General to switch. I even had a DUI years ago. I recommend comparing lots of rates. Not worth enough to pay for comprehensive and collision.

  12. Alonzo Hebert

    Just my two cents. I’m just west of Charleston, WV. I got free quotes from 21st Century, AAA, and some I forget for my S-Class and saved just over $90 a year. I’m a pretty low risk driver. I used their online quote form to compare rates.

  13. Dong Hunter

    From south side of Columbia, SC. I quoted with Amica, MetLife, and USAA for my S-Class and saved just over $60 a year. Insured with Sentry before. I’m a pretty good driver though. It’s easy to compare rates online now.