View 2017 Mercedes-Benz S-Class Car Insurance Cost

Looking for better car insurance rates? Shoppers have options when shopping for low-cost Mercedes-Benz S-Class insurance. They can either waste time calling around to compare prices or leverage the internet to get rate quotes. There is a better way to find car insurance online and we’ll show you the proper way to get price quotes for a Mercedes-Benz and get the best price possible from local insurance agents and online providers.

If you have insurance now or are shopping for new coverage, you can use these tips to find the best rates while maximizing coverage. This information will teach you how to get online quotes and some tips to save money. Consumers just need to know how to find the lowest price over the internet.

Auto insurance quotes and discounts

Companies don’t list their entire list of discounts very well, so the next list breaks down some of the best known as well as the least known credits that you can use to lower your rates. If you’re not getting every credit possible, you could be getting lower rates.

  • Government Employees – Employees or retirees of the government could cut as much as 10% off for S-Class coverage but check with your company.
  • Discount for Multiple Policies – When you have multiple policies with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • Telematics Data – Drivers who agree to allow their auto insurance company to analyze where and when they drive by installing a telematics device such as Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
  • Life Insurance – Insurance companies who offer life insurance give lower premium rates if you buy a life insurance policy as well.
  • New Car Discount – Insuring a vehicle that is new can get you a discount compared to insuring an older model.
  • Passive Restraint Discount – Cars that have air bags can get savings of up to 25% or more.

It’s important to understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, you aren’t that lucky.

Large auto insurance companies and a selection of discounts can be read below.

  • State Farm may offer discounts for defensive driving training, anti-theft, Steer Clear safe driver discount, good student, multiple autos, and student away at school.
  • Farmers Insurance may have discounts that include business and professional, pay in full, multi-car, homeowner, mature driver, and early shopping.
  • Geico includes discounts for multi-policy, driver training, military active duty, seat belt use, and five-year accident-free.
  • American Family policyholders can earn discounts including mySafetyValet, good student, early bird, defensive driver, air bags, and Steer into Savings.
  • Nationwide offers premium reductions for anti-theft, accident-free, easy pay, family plan, business or organization, and multi-policy.
  • Progressive has savings for multi-vehicle, online quote discount, good student, multi-policy, and continuous coverage.

Before buying, ask each company or agent how you can save money. Discounts might not be available to policyholders in every state. For a list of insurance companies who offer free auto insurance quotes, click here.

Situations that may require an agent’s advice

When buying coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • How much liability do I need to cover my assets?
  • Does my 2017 Mercedes-Benz S-Class qualify for pleasure use?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when delivering products for my home-based business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t avoid all the ads that claim the cheapest prices by companies like State Farm, Allstate and Geico. All the companies make the point that you can save if you just switch your policy.

But how can every company have lower policy pricing? This is the way they can do it.

Most companies have specific guidelines for the type of driver that will be a good risk. An example of this type of insured might be a female over age 40, has few claims, and chooses high deductibles. Any new insured who matches those parameters is entitled to the best price and will also save a lot if they switch.

Insureds who do not fit this stringent profile may be forced to pay higher rates which leads to the customer buying from a different company. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can confidently make those claims. Because of this risk profiling, you really need to compare price quotes frequently. It’s impossible to know with any certainty which company will fit you best based on your risk profile.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like doctor visits, funeral costs, EMT expenses, chiropractic care and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, emergency aid and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, rock chips in glass, theft, hitting a bird and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

This pays for damage to your S-Class resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, scraping a guard rail, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

Cost effective 2017 Mercedes-Benz S-Class insurance can be bought on the web and with local insurance agents, so you should compare both to have the best rate selection. A few companies do not offer the ability to get quotes online and many times these small insurance companies work with independent agents.

When you buy auto insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

We just showed you many tips how you can save on 2017 Mercedes-Benz S-Class insurance. It’s most important to understand that the more times you quote, the better likelihood of getting inexpensive auto insurance. You may even find the best rates are with the least-expected company.

For more information, feel free to browse the resources below:

Comments About 2017 Mercedes-Benz S-Class Insurance

  1. Deena Fowler

    When should I drop comp and collision?

  2. Kylie Kim

    Does Alaska have minimum liability laws?

  3. Herbert Britt

    It’s all a rip off. Checking in from Salt Lake City, UT. Got rates from Progressive, American Family, Esurance, and Hartford for my S-Class and saved $335 a year. I’m a pretty good driver though.

  4. Kerstin Rutledge

    Hope my rates come down. Lifelong resident of Boise, ID. Can’t remember who all I quoted but I ended up saving about $70 each month. BTW speeding tickets are not good. Online quotes are the way to go.

  5. Morton Hoffman

    Here’s what I found out. Proud to be from Aurora, IL. Went online for free insurance quotes for a 2017 Mercedes-Benz S-Class. Ended up at about $560 savings annually. Went with 21st Century. Have an at-fault accident tho.

  6. Charline Ramsey

    I’m from Denver, CO. Received quotes with Western Auto Insurance, Amica, Hanover, and Sentry for my 2017 Mercedes-Benz S-Class and I think I cut my rates about $40 each month. Insured with MetLife before. LOL

  7. Caitlin Boyle

    Proud to be from Charleston, SC. Quoted prices from American Family, Sentry, and a few others for my S-Class and saved $185 a year. Left GEICO to switch. They have a lot of discounts available. It’s easy to compare rates online now.

  8. Kaylee Gilmore

    I live in a small town just outside of Milwaukee, WI. I don’t recall every quote but I ended up saving about $60 each month. Left Safeco to switch. Wish I didn’t have to insure at all.

  9. Harriette Bradshaw

    I’m in Providence, RI. Got car insurance prices from AIG Insurance, Safeco, and Travelers for my 2017 Mercedes-Benz S-Class and I think I saved about $60 each month. Left Mercury to switch. I have a teen driver too. I used their website to get prices.

  10. Robert Mcdonald

    Does GEICO offer good discounts?