2000 Mercedes-Benz S-Class Car Insurance Quotes

Buyers have many options when searching for low-cost Mercedes-Benz S-Class insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to find the lowest rates. There is a better way to find insurance online so we’re going to tell you the quickest way to get price quotes for your Mercedes-Benz and obtain the lowest possible price from local insurance agents and online providers.

Consumers should take time to check insurance prices as often as possible since insurance prices are constantly changing. Just because you had the best price for S-Class insurance a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to show you how to use online quotes to find better rates and still maintain coverage.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Drivers just need to learn how to shop their coverage around over the internet.

Why your insurance rates might be higher

When buying insurance coverage it’s important to understand a few of the rating criteria that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively influences your rates, this allows you to make good choices that could help you find lower insurance coverage prices.

Listed below are some of the most common factors insurance coverage companies consider when setting your rate level.

Allowing your insurance coverage to lapse raises insurance coverage rates – Driving without insurance coverage in place is illegal and companies may charge more for letting your insurance lapse. And not only will your rates increase, not being able to provide proof of insurance may earn you a revoked license or a big fine.
Drive less and pay lower prices – The higher the miles on your Mercedes-Benz each year the higher the price you pay to insure it. Many insurance companies calculate rates partially by how you use the vehicle. Cars and trucks used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. Ask your agent if your policy is showing the correct usage for each vehicle, because it can save money. An improperly rated S-Class may be costing you higher rates.
Buy as much liability insurance as you can afford – A critical coverage on your policy, liability insurance provides coverage if ever you are responsible for an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to other policy coverages, so buy as much as you can afford.
Your stress level may be raising your prices – Did you know your insurance coverage rates can be affected by your occupation? Jobs like real estate brokersairline pilots and emergency personnel tend to have higher rates than the rest of us due to intense work-related stress and lots of time spent at work. On the other hand, careers such as scientists, athletes and homemakers pay the least for S-Class insurance.

Ways to get insurance rate quotes

Most larger insurance companies such as State Farm, Geico and Progressive provide prices from their websites. Obtaining pricing is possible for anyone as you just enter the coverage amounts you desire into the quote form. After you complete the form, their system collects your credit score and driving record and returns a price quote.

Being able to quote online simplifies rate comparisons, but having to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it’s very important to get many rate quotes if you want to get the lowest possible prices on insurance.

The quickest way to lower your rates uses one simple form to obtain quotes from several different companies. It saves time, requires less work, and makes quoting online much easier to do. As soon as the form is sent, it is rated and you can select any one of the quote results. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To quickly fill out one form to compare multiple rates now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you enter your coverages just like they are on your policy. Using the same limits helps guarantee you’re receiving comparison quotes using the same coverage and limits.

Advertising myths

Consumers can’t get away from all the ads for cheaper auto insurance from companies such as State Farm, Geico and Progressive. All the companies have a common claim about savings just by moving your auto insurance coverage to their company.

But how can every company charge less that you’re paying now?

Insurance providers have an ideal profile for the type of insured that will be a good risk. For example, a profitable risk profile could be over the age of 45, has other policies, and has a high credit rating. Any person who matches those parameters will get low rates and will save a lot of money.

People who fall short of those criteria may receive higher rates which translates to the customer buying from a different company. If you listen closely, the ads state “customers that switch” not “all people who quote” save that much. That’s the way insurance companies can make the claims of big savings. Different companies use different criteria so you need to compare price quotes frequently. You cannot predict which auto insurance company will fit you best based on your risk profile.

Take advantage of every car insurance discount

Car insurance is not inexpensive, but there’s a good chance there are discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you quote, but some discounts are required to be requested specifically before they will apply.

Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for S-Class insurance with select insurance companies.
Resident Student – Older children living away from home attending college and don’t have a car may be able to be covered for less.
Good Driver Discount – Safe drivers could pay up to 40% less for S-Class insurance compared to rates paid by drivers with frequent claims.
Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and earn discounts up to 10% off your car insurance quote.
Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks on one policy may reduce the rate for each vehicle.
Data Collection Discounts – Insureds that choose to allow driving data submission to analyze driving manner by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they show good driving skills.
Driver’s Education for Students – Require your teen driver to participate in a local driver’s education class as it can save substantially.
Early Payment Discounts – By paying your entire bill at once instead of paying each month you can avoid the installment charge.
Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the PIP or medical payment premium.
Discount for Multiple Policies – If you insure your home and vehicles with one company they may give you a discount of up to 20% off your total premium.

A quick disclaimer, many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you’re out of luck.

Companies and a selection of discounts are shown below.

Geico may have discounts that include seat belt use, multi-policy, air bags, daytime running lights, defensive driver, and membership and employees.
USAA has discounts for multi-vehicle, safe driver, defensive driver, driver training, vehicle storage, and multi-policy.
Progressive may offer discounts for good student, multi-vehicle, online quote discount, homeowner, multi-policy, continuous coverage, and online signing.
American Family may include discounts for defensive driver, bundled insurance, good student, good driver, and Steer into Savings.
Esurance offers discounts including paid-in-full, emergency road assistance, good driver, Pac-12 alumni, good student, online quote, and renters.
Farmers Insurance includes discounts for good student, bundle discounts, youthful driver, pay in full, and mature driver.
State Farm offers premium reductions for good driver, driver’s education, multiple policy, passive restraint, anti-theft, Drive Safe & Save, and accident-free.

Double check with all the companies what discounts are available to you. Some of the earlier mentioned discounts may not be offered everywhere. If you would like to see a list of insurance companies that offer discounts, click here to view.

How to know if you need help

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

When does my teenage driver need to be added to my policy?
Can I get a multi-policy discount for packaging my home and auto coverage?
How much underlying liability do I need for an umbrella policy?
What companies insure drivers after a DUI or DWI?
When can my company non-renew my policy?
Do I need replacement cost coverage?
Do I pay less for low miles?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Specific coverages for a Mercedes-Benz S-Class

Understanding the coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mercedes-Benz S-Class.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism, hitting a deer, theft and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – This coverage pays for damage to your S-Class caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills such as rehabilitation expenses, pain medications, ambulance fees and prosthetic devices. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This protects you from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of 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 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, medical expenses and emergency aid. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Get your money’s worth

Low-cost 2000 Mercedes-Benz S-Class insurance can be found on the web in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. A few companies do not offer the ability to get quotes online and these small insurance companies prefer to sell through independent insurance agencies.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an insured cut uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Consumers leave their current company for a number of reasons such as unfair underwriting practices, policy cancellation, extreme rates for teen drivers and denial of a claim. No matter why you want to switch, finding a great new company can be pretty painless.