1996 Mercedes-Benz S-Class Insurance Quotes – 6 Tips for Cheapest Rates

Using the web to shop for insurance quotes online can be difficult if you’re new to rate quotes online. But don’t just give up because online price shopping is actually quite simple.

Consumers should take time to get comparison quotes occasionally because car insurance prices fluctuate regularly. If you had the best rates for S-Class coverage last year other companies may now be cheaper. There is too much inaccurate information about car insurance online but in just a couple of minutes you can learn some great ideas on how to put money back in your pocket.

Low cost insurance coverage quotes online

There are a variety of methods to shop for insurance coverage, but one way is more efficient than others. You could spend the better part of a day driving to insurance companies in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Most of the best insurance companies enroll in a system that enables customers to complete one form, and each participating company provides a quote based on that data. This saves time by eliminating quote forms to every company.

To use this form to compare rates click here to open in new window.

The single downside to pricing coverage this way is you are unable to specify which companies you will receive quotes from. So if you prefer to pick specific providers to request quotes from, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

Whichever method you choose, be sure to compare identical quote data for each comparison quote. If you have unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Just slight variations in insurance coverages or limits can make a big difference in price. Just remember that comparing more rates from different companies helps locate better pricing. Not every company allows you to get online price quotes, so it’s important to also get prices from them as well.

Verify you’re earning every discount

Car insurance is not cheap, but there are discounts available that may help make it more affordable. A few discounts will automatically apply when you purchase, but some must be inquired about in order for you to get them.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower auto insurancerates if you buy a life insurance policy as well.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one company you could save at least 10% off all policies.
  • Defensive Driver Discount – Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Fewer Miles Equal More Savings – Driving less may enable drivers to earn better prices on cars that stay parked.
  • Distant Student – who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
  • Military Discounts – Having a deployed family member could trigger a small discount.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Some of the insurance companies who might offer many of the previously listed discounts include:

If you are trying to find inexpensive insurance quotes, ask every company to give you their best rates. Some credits may not be offered in your state. If you would like to see a list of providers who offer discounts, follow this link.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • How many claims can I have before being cancelled?
  • Why am I required to buy liability insurance?
  • Am I covered when driving on a suspended license?
  • Am I covered when using my vehicle for business?
  • Can I rent a car in Mexico?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for pain medications, dental work, nursing services and surgery. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 1996 Mercedes-Benz S-Class.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage pays for damage to your S-Class resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability 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. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like funeral expenses, bail bonds, loss of income and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, rock chips in glass, a broken windshield, hitting a bird and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Stretch your dollar

People change insurance companies for a number of reasons such as high rates after DUI convictions, questionable increases in premium, policy non-renewal and even not issuing a premium refund. Regardless of your reason, finding a great new company can be pretty painless.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Discount 1996 Mercedes-Benz S-Class insurance can be sourced on the web in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers sell through independent insurance agencies.

Additional articles