How Much Does 2008 Mercedes-Benz S-Class Insurance Cost?

Online price comparisons for cheap car insurance could seem overwhelming if you haven’t ever compared insurance using online insurance quotes. Don’t let that bother you because using the internet to shop for insurance is actually quite easy.

If you have car insurance now, you will be able to reduce your rates substantially using these methods. This information will tell you the best way to quote coverages and some money-saving tips. Nevertheless, vehicle owners need to have an understanding of the methods companies use to sell insurance online and use this information to your advantage.

Cheap auto insurance rates with discounts

Some insurers don’t always publicize all their discounts very well, so the next list breaks down some of the more common and also the more inconspicuous ways to save on auto insurance.

• Save with a New Car – Insuring a new car can get you a discount because new model year vehicles keep occupants safer.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
• Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
• More Vehicles More Savings – Insuring multiple vehicles on a single policy qualifies for this discount.
• Discounts for Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates for S-Class insurance than drivers with accident claims.
• Discount for Life Insurance – Larger auto insurance companies have a break if you buy life insurance.
• Claim Free – Drivers who stay claim-free pay less as compared to drivers who are more careless.
• Discount for Swiching Early – A few companies allow discounts for switching to them prior to your current policy expiring. You may see this discount when you get car insurance quotes online.

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Larger auto insurance companies and a selection of discounts are detailed below.

• Geico has discounts for military active duty, air bags, driver training, multi-vehicle, seat belt use, defensive driver, and good student.
• Auto-Owners Insurance discounts include safe vehicle, teen driver, paperless, anti-lock brakes, group or association, safe driver, and good student.
• American Family may include discounts for accident-free, air bags, bundled insurance, TimeAway discount, multi-vehicle, and mySafetyValet.
• Esurance may have discounts that include claim free, anti-theft, online shopper, safety device, defensive driver, homeowner, and multi-policy.
• Progressive offers discounts including multi-vehicle, continuous coverage, multi-policy, online signing, and homeowner.
• State Farm offers discounts for student away at school, accident-free, good student, Drive Safe & Save, good driver, multiple policy, and defensive driving training.
• AAA includes discounts for multi-car, good driver, AAA membership discount, anti-theft, good student, education and occupation, and pay-in-full.

If you need lower rates, check with each company which discounts you may be entitled to. All car insurance discounts may not be offered in your area. To find insurance companies with the best discounts, follow this link.

The quickest way to get rate comparisons is to realize most of the bigger providers have advanced systems to compare their rates. The only thing you need to do is provide a small amount of information such as what you do for a living, if a SR-22 is needed, if you lease or own, and if your license is active. That rating data is then submitted to multiple car insurance providers and they return cost estimate instantly.

To find lower rates now, click here then complete the form.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

• Am I getting all the discounts available?
• Are rental cars covered under my policy?
• Does my car insurance cover rental cars?
• How high should my uninsured/underinsured coverage be in my state?
• Do I have coverage when making deliveries for my home business?
• What are the best liability limits?
• Am I covered when driving in Canada or Mexico?
• What is the ISO rating for a 2008 Mercedes-Benz S-Class?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, hospital visits and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hitting a bird and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – This can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical expenses, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Mercedes-Benz S-Class.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Don’t be a big spender

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, extreme rates for teen drivers and even poor customer service. It doesn’t matter what your reason, finding the right insurance provider is easier than you think.

We just covered many ideas to lower your 2008 Mercedes-Benz S-Class insurance prices. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest prices come from a lesser-known regional company.

More affordable insurance can be purchased both online and from local insurance agents, so you need to shop car insurance with both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these regional carriers prefer to sell through independent insurance agencies.

More detailed insurance information is available by following these links:

• Anti-Lock Brake FAQ (iihs.org)
• Choosing a Car for Your Teen (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)