Lower Your 1997 Mercedes-Benz S-Class Car Insurance Rates

Locating better insurance prices for a Mercedes-Benz S-Class can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare auto insurance rates so you’re going to learn the quickest way to get price quotes on a Mercedes-Benz and obtain the cheapest rates either online or from local insurance agents.

Get cheap insurance with discounts

Car insurance is not cheap, but you might be missing out on some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but some discounts are required to be manually applied before being credited.

  • Discount for Life Insurance – Larger insurance companies have a discounted insurance rate on car insurance if you buy some life insurance too.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Own a Home – Simply owning a home can save a few bucks because of the fact that having a home is proof of financial responsibility.
  • Clubs and Organizations – Being a member of a professional or civic organization is a simple method to lower premiums when getting a car insurance quote.
  • Braking Control Discount – Cars that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount should help lower the premium cost.

To view insurance companies who offer cheap insurance quotes, click this link.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if you would benefit from professional advice.

  • When should my teen driver be added to my policy?
  • How can I force my company to pay a claim?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I crash into my own garage door?
  • Does coverage extend to my business vehicle?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Switch companies and save? Really?

Drivers can’t avoid all the ads that claim the best car insurance rates by companies like State Farm and Allstate. They all state the claim that drivers can save some big amount just by switching your insurance policy to them.

How can each company cost less than your current company?

Most companies quote the lowest rates for the right customer that earns them the most money. For instance, a profitable risk profile might be over the age of 45, has few claims, and drives less than 10,000 miles a year. Anyone who meets those qualifications will get the preferred premium rates and therefore will save money with a new company.

Consumers who cannot meet the requirements may be required to pay a higher premium and this can result in business going elsewhere. The ad wording is “customers who switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can confidently make those claims.

This really drives home the point why you really need to compare many company’s car insurance rates. It’s just too difficult to predict which insurance companies will give you lower rates than your current company.

The coverage is in the details

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability coverage – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical services, structural damage, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for surgery, EMT expenses, nursing services and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

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

Collision coverage protects against things like crashing into a ditch, rolling your car, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, theft, damage from a tornado or hurricane, hitting a bird and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

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

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Don’t throw your cash in the trash

Some car insurance companies do not offer rates over the internet and usually these smaller companies only sell coverage through local independent agencies. Budget-conscious 1997 Mercedes-Benz S-Class insurance can be bought on the web as well as from insurance agents, so compare prices from both to get a complete price analysis.

We just covered a lot of tips how to get a better price on 1997 Mercedes-Benz S-Class insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest auto insurance rates are with the least-expected company.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, poor customer service, high prices or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new car insurance company can be pretty painless.

Much more information about car insurance can be read at these links: