1997 Mercedes-Benz S-Class Insurance Rates – 10 Tips for Best Quotes

Consumers should know that most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, it’s just not the way it works.

Some companies who may offer these benefits are:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

Before purchasing a policy, check with all companies you are considering which discounts they offer. Some discounts may not be available in your area. To view insurance companies who offer discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether your personal situation could use an agent’s help.

• Is rental equipment covered for theft or damage?
• Which companies will insure high-risk drivers?
• Does my insurance cover a custom paint job?
• When can my company non-renew my policy?
• Is my dog or cat covered if injured in an accident?
• Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Do insurance coverage companies bend the truth?

Consumers get pounded daily by advertisements that claim the best rates by Progressive, Geico, Allstate and State Farm. They all seem to have a common claim that drivers will save a bundle if you change to them.

It sounds good, but how can they all say the same thing? It’s all in the words they use.

Insurance providers have specific criteria for the right customer that will not have excessive claims. A good example of a profitable risk profile could possibly be between the ages of 30 and 45, has no driving citations, and drives a vehicle with a low ISO rating. A driver who matches those parameters will get very good car insurance rates and will probably save some money.

Insureds who don’t meet this stringent profile may be required to pay a higher rate which results in the customer not purchasing. The ads say “customers that switch” but not “all drivers who get quotes” save that much money. That’s why companies can truthfully advertise the savings.

That is why you need to get insurance quotes as often as possible. Because without a comparison, you cannot know which insurance coverage company will be your best fit.

Specific coverage details

Learning about specific coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Comprehensive coverages

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

Comprehensive insurance covers claims like falling objects, damage from a tornado or hurricane and damage from flooding. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, ambulance fees, dental work and EMT expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This coverage covers damage to your S-Class resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, backing into a parked car, damaging your car on a curb, crashing into a ditch and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability

This protects you from damage or injury you incur to a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, attorney fees, legal defense fees, loss of income and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Be a money saver!

Low-cost 1997 Mercedes-Benz S-Class insurance is possible both online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don’t offer internet price quotes and usually these regional insurance providers sell through independent insurance agencies.

When shopping online for car insurance, never buy poor coverage just to save money. There have been many cases where an insured dropped liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

To learn more, link through to the articles below:

• Senior Drivers (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Understanding Rental Car Insurance (Insurance Information Insitute)