1999 Mercedes-Benz S-Class Insurance Rates – 10 Discounts for Best Quotes

Did budget coverage turn out to be an underperforming, overpriced auto insurance policy? Believe me, there are lots of residents who feel the same.

There is such a variety of auto insurance companies to choose from, and although it’s nice to have multiple companies, so many choices can make it hard to locate the cheapest rates.

It’s important to quote other rates on a regular basis due to the fact that insurance prices are rarely the same from one policy term to another. Just because you had the best deal on S-Class coverage a few years ago you will most likely find a better rate quote today. Ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to find lower rates on auto insurance.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you will be able to cut costs considerably using this information. Although drivers do need to know the methods companies use to compete online and take advantage of how the system works.

How much is insurance?

When looking for the cheapest insurance coverage quotes, there are a couple ways to get quotes from many available insurance companies in your state. The quickest method to find cheaper 1999 Mercedes-Benz S-Class rates is to get quotes online. This is quite simple and can be completed in a couple of different ways.

• The most recommended method consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This style of form keeps you from doing repetitive form submissions for every prospective company. A single, simple form will return quotes from all major companies.
• A different way to analyze rates consists of going to the website of each company and complete a new quote form. For examples sake, we’ll pretend you want comparison quotes from USAA, Geico and Travelers. You would need to navigate to each company’s site and repeatedly enter your information, and that’s why the first method is more popular.

  For a handy list of car insurance company links in your area, click here.

Whichever way you use, do your best to enter the same coverage information for every company. If you compare differing limits it’s not possible to make an equal comparison. Quoting even small variations in coverages may result in large price differences. And when price shopping your coverage, getting more free quotes helps locate the best rates. Some regional insurers cannot provide online rate quotes, so you need to compare price estimates on coverage from those companies, too.

Don’t overlook these ten auto insurance discounts

Companies offering auto insurance don’t always publicize all possible discounts in a way that’s easy to find, so below is a list a few of the more well known and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

• Distant College Student Discount – Older children who are attending college and do not have a car may qualify for this discount.
• Paperwork-free – A few auto insurance companies give back up to $50 shop insurance coverage on the internet.
• Active Military Service – Having a family member in the military may qualify for rate reductions.
• Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on medical payment and PIP coverage.
• New Car Discount – Buying auto insurance coverage on a new vehicle can save you some money because newer vehicles are generally safer.
• Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
• Multiple Cars – Having primary and secondary vehicles with the same auto insurance company can reduce rates for all insured vehicles.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
• Discounts for Government Workers – Employees or retirees of the government can earn a discount up to 10% on S-Class coverage with select insurance companies.
• Driver’s Education for Students – Cut your cost by having your teen driver sucessfully take a drivers education course in school or through a local driver safety program.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, it doesn’t quite work that way.

A few companies that possibly offer some of the above discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When comparing rates, check with each company to apply every possible discount. Some credits might not be offered in your state. To see a list of companies with the best auto insurance discounts, click this link.

When to get professional advice

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help you determine whether or not you would benefit from professional advice.

• When does my teenage driver need to be added to my policy?
• Do I have any recourse if my insurance company denies a claim?
• Is my camper covered by my car insurance policy?
• Am I getting all the discounts available?
• Should I rate my 1999 Mercedes-Benz S-Class as pleasure use or commute?
• Am I covered when driving in Canada or Mexico?
• When should I remove comp and collision on my 1999 Mercedes-Benz S-Class?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance 101

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Coverage for liability – Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical services, repair costs for stationary objects, bail bonds, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz S-Class.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for ambulance fees, prosthetic devices, funeral costs and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Final thoughts

Budget-friendly insurance coverage is possible from both online companies and from local agencies, and you need to comparison shop both to have the best rate selection. Some insurance companies may not offer online quoting and many times these small, regional companies prefer to sell through independent agencies.

When getting insurance coverage quotes online, do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

We’ve covered quite a bit of information on how to reduce 1999 Mercedes-Benz S-Class insurance prices online. The key concept to understand is the more you quote insurance coverage, the higher your chance of finding cheaper insurance coverage. You may be surprised to find that the lowest priced insurance coverage comes from an unexpected company. They may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.

Even more information can be read at these sites:

• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Event Data Recorders FAQ (iihs.org)