View 2016 Mercedes-Benz S-Class Insurance Quotes

No normal person likes having to buy insurance coverage, especially when they know they are paying too much.

Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates and get the definite best rate

How to find the cheapest auto insurance

When comparison shopping, there are several ways to compare rate quotes from companies that offer auto insurance in your state. The easiest way to find the lowest 2016 Mercedes-Benz S-Class rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

• Experts agree that the best way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing boring form submissions for each company. One quote request gets coverage cost estimates instantly.
• A different way to analyze rates consists of going to the website for each individual company and repeat the quote process. For sake of this example, let’s assume you need rates from Allstate, Esurance and Progressive. To find out each rate you need to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is quicker.

  To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you’re using exactly the same coverage limits for every quote you compare. If you enter higher or lower deductibles you will not be able to get a fair rate comparison. Quoting even small variations in coverages can result in a big premium difference. Just keep in mind that obtaining a wide range of quotes provides better odds of finding the best offered rates. Some smaller insurers to not give prices over the internet, so you need to compare price estimates from them, too.

Take advantage of every insurance discount

Insurance is expensive, but you may find discounts to cut the cost considerably. A few discounts will be applied at the time of quoting, but less common discounts must be asked for in order for you to get them.

• New Car Discount – Buying a new car model is cheaper because new vehicles have to meet stringent safety requirements.
• Switch and Save Discount – Select companies give a discount for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
• Multi-Vehicle Discounts – Having multiple cars on the same insurance policy can get a discount on all vehicles.
• Paper-free Discount – Some of the larger companies may give you up to $50 simply for signing on the web.
• Theft Deterent – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
• Military Deployment Discount – Having a deployed family member could mean lower prices.
• Mature Driver Discount – Drivers that qualify as senior citizens could receive a small discount on rates on S-Class insurance.
• No Accidents – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote as opposed to policyholders that have many claims.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce your policy cost.

The best insurance companies and their offered discounts are outlined below.

• Mercury Insurance has savings for location of vehicle, annual mileage, professional/association, low natural disaster claims, and age of vehicle.
• Farmers Insurance offers discounts including bundle discounts, youthful driver, switch companies, early shopping, multi-car, and homeowner.
• Farm Bureau may include discounts for multi-policy, renewal discount, safe driver, 55 and retired, driver training, and good student.
• State Farm includes discounts for multiple autos, defensive driving training, driver’s education, Steer Clear safe driver discount, safe vehicle, and passive restraint.
• Allstate policyholders can earn discounts including farm vehicle, early signing, resident student, teenSMART discount, 55 and retired, and premier plus.
• Geico offers discounts for five-year accident-free, air bags, emergency military deployment, driver training, daytime running lights, and federal employee.

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts listed above may not apply to policies in your area. To find providers with the best insurance discounts, follow this link.

Lower the price of auto insurance with these tips

Many different elements are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other factors are more obscure such as your marital status or how financially stable you are.A large part of saving on auto insurance is knowing a few of the rating criteria that help calculate the rates you pay for auto insurance. If you have a feel for what determines base rates, this helps enable you to make changes that can earn you better auto insurance rates.

• Single drivers take more risk – Being married can actually save you money on your auto insurance bill. Marriage usually means you are more mature than a single person and it’s proven that drivers who are married file infrequent claims.
• Lower rates by increasing deductibles – The deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply are a windshield broken by a bird, hail damage, and having a roll-over accident. The higher the amount you have to pay, the less your auto insurance will be on S-Class insurance.
• Drive less and pay lower prices – The more you drive your Mercedes-Benz annually the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage partially by how you use the vehicle. Vehicles left parked in the garage can get a lower rate than vehicles that have high annual mileage. Ask your agent if your vehicle rating properly reflects the proper vehicle usage, because improper ratings can cost you money. Improper usage on your S-Class can cost quite a bit.
• Know your credit rating – Having a bad credit rating factor in calculating your auto insurance rates. Therefore, if your credit rating can be improved, you could potentially save money when insuring your 2016 Mercedes-Benz S-Class by repairing your credit. Insureds that have excellent credit tend to file fewer claims and have better driving records than those with worse credit.
• Claim-free discounts can add up – If you are a frequent claim filer, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Companies award most affordable rates to people who file claims infrequently. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Vocation stress can affect auto insurance rates – Careers such as military generalsairline pilots and medical professionals have the highest rates in part from intense work situations and lots of time spent away from family. Other occupations such as professors, athletes and the unemployed get better rates on S-Class insurance.
• Drive a safer car and pay less – Cars with high safety ratings cost less to insure. These vehicles protect occupants better and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might point out if your situation would benefit from professional advice.

• How high should deductibles be on a 2016 Mercedes-Benz S-Class?
• What can I do if my company won’t pay a claim?
• How do I insure my teen driver?
• What is the ISO rating for a 2016 Mercedes-Benz S-Class?
• Am I covered when driving a rental car?
• When should I not file a claim?
• What is covered by UM/UIM coverage?
• Am I covered when using my vehicle for business?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Don’t believe everything you hear

Popular insurance providers such as Allstate, Geico and Progressive regularly use ads in print and on television. They all seem to make the promise that drivers can save some big amount if you switch to their company. How does each company charge lower premium rates?

All the different companies provide the lowest rates for the type of customer that is profitable for them. For example, a profitable insured could be over the age of 35, owns their home, and drives a safe vehicle. A driver that hits that “sweet spot” will probably get the lowest prices and will also save when switching.

Potential customers who are not a match for the ideal profile may be required to pay higher rates with the end result being the customer not purchasing. The wording the ads use say “people who switch” not “everybody who quotes” save the amount stated. This is how insurance companies can confidently make it sound like they have such great car insurance rates. Each company has different criteria, so drivers should get insurance coverage quotes as often as possible. Because you never know which company will give you lower rates than your current company.

Specifics of your insurance policy

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like loss of income, legal defense fees, pain and suffering, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as funeral costs, prosthetic devices, doctor visits, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage, falling objects and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Mercedes-Benz S-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Have money to burn

We just presented many ideas to compare 2016 Mercedes-Benz S-Class insurance premium rates online. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting low cost insurance coverage. You may even discover the best premium rates are with the least-expected company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

As you shop your coverage around, do not buy less coverage just to save a little money. There are too many instances where an insured dropped full coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

Much more information about insurance is available at these links:

• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Comprehensive Coverage (Liberty Mutual)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)