Compare 1999 Mercedes-Benz S-Class Insurance Quotes

Getting lower priced insurance coverage online can seem to be intimidating for vehicle owners who are new to comparing prices over the internet. With a ridiculous number of online companies available, how can vehicle owners efficiently compare each option to find the cheapest price possible?

It’s a good idea to do rate comparisons yearly because prices trend upward over time. Even if you think you had the best deal on S-Class insurance a few years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance coverage because you’re about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

Finding affordable coverage is not rocket science. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Nevertheless, consumers do need to understand how the larger insurance companies determine prices.

How to find low cost car insurance

There are a lot of ways you can shop for car insurance but one way is less labor-intensive and much quicker. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize online quoting to quickly compare rates.

The majority of car insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and each company then gives them pricing based on the submitted data. This saves time by eliminating repetitive form submissions for every car insurance company. To get comparison pricing now click here to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify which carriers to get quotes from. If you wish to select from a list of companies to request quotes from, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using exactly the same coverage data on every price quote you get. If you use different limits and deductibles on each one you can’t possibly determine which company has the best rates. Slightly different coverages could skew the results. Keep in mind that having more price comparisons helps improve the odds of finding more affordable rates.

Do you qualify for discounts?

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Some of these disounts will be visible when you purchase, but a few must be asked about before being credited.

  • Club Memberships – Participating in certain professional organizations could qualify you for a break on your bill.
  • Paper-free Discount – A handful of insurance companies will discount your bill up to fifty bucks shop auto insurance on their website.
  • Distant Student Discount – Children who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Seat Belts Save – Drivers who require all occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Payment Method – If paying your policy premium upfront rather than paying in monthly installments you can avoid the installment charge.
  • Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. You can use this discount normally well after school through age 25.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home can save a few bucks since home ownership is proof of financial responsibility.
  • More Vehicles More Savings – Drivers who insure more than one vehicle on one policy could earn a price break for each car.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, it’s just not the way it works.

Car insurance companies that have most of these discounts possibly include:

If you want affordable auto insurance quotes, ask every company to apply every possible discount. All car insurance discounts may not apply to policies in every state. To find providers who offer online auto insurance quotes, click here to view.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • When can I cancel my policy?
  • Should I buy additional glass protection?
  • How much liability coverage do I need in my state?
  • Can I get a multi-policy discount?
  • Are split liability limits better than a combined single limit?
  • I have health insurance so do I need medical payments coverage?
  • Does my insurance cover a custom paint job?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

Parts of your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, fire damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, court costs, bail bonds, funeral expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, hitting a parking meter, crashing into a building, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred 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 important protection for you and your family.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, nursing services and dental work. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay