Compare 2010 Mercedes-Benz S-Class Insurance Quotes

High-priced auto insurance can dry up your accounts and possibly require postponing other expenditures. Comparison shopping is a smart way to make ends meet.

Big-name insurance companies like Allstate and Progressive constantly bombard you with ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are insured now or are shopping for new coverage, you can learn to cut your premiums while maximizing coverage. Finding the best rates is not rocket science. Vehicle owners only need to know how to shop for car insurance over the internet.

Mercedes-Benz S-Class insurance rate factors

An important part of buying insurance is that you know some of the things that play a part in calculating your policy premiums. If you know what determines premiums, this enables informed choices that could result in better auto insurance rates. Many different elements are part of the equation when you get your auto insurance bill. Some are obvious like your driving record, but some are less apparent such as your marital status or how financially stable you are.

  • Insurance rates for married couples – Being married can actually save you money compared to being single. Marriage is viewed as being more financially stable and insurance companies like that married drivers get in fewer accidents.
  • High credit rating translates to low costs – A driver’s credit rating can be an important factor in your rate calculation. People with very good credit scores tend to be better risks to insure than drivers who have worse credit. So if your credit history leaves room for improvement, you could save money insuring your 2010 Mercedes-Benz S-Class by repairing your credit.
  • Your age impacts your costs – Youthful drivers have been known to get distracted easily when driving with friends therefore auto insurance rates are much higher. Adding a beginning driver onto a policy can increase premiums substantially. Older insureds are proven to be safer behind the wheel, tend to cause fewer accidents and receive fewer citations.
  • Vehicle features that lower premiums – Choosing a vehicle with advanced anti-theft systems can save you some money. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Bad drivers pay high premiums – Your driving record influences premium rates substantially. Having a single speeding ticket or other violation may cause rates to rise to the point where it’s not affordable. Drivers who don’t get tickets receive lower rates compared to bad drivers. People who have severe citations such as DUI, reckless driving or excessive speeding are required to file a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.

How to shop auto insurance online

Getting a cheaper price on 2010 Mercedes-Benz S-Class insurance is actually quite simple. You just have to invest a few minutes comparing rates to find out which insurance company has affordable car insurance quotes. Rate comparisons can be done using one of these methods.

The simplest way to get quotes is an all-inclusive rate comparison click here to open form in new window. This style of form prevents you from having to do repetitive form submissions for each company you want a rate for. One form gets you price quotes from multiple low-cost companies.

A different way to analyze rates is going to each individual company website and complete a new quote form. For example, we’ll assume you want to compare rates from Nationwide, State Farm and Farmers. To get each rate you have to take the time to go to each site and enter your policy data, which can get old fast. For a handy list of car insurance company links in your area, click here.

The most time-consuming method to find lower rates is making phone calls or going to each insurance agency near you. Comparing rate quotes online makes this process obsolete unless you want the peace of mind only provided by licensed agents. Drivers can find lower rates online and get advice from an agent in your area.

Whichever method you choose, do your best to enter exactly the same information with each company. If each company quotes different values for each quote it will be nearly impossible to truly determine the lowest rate.

More affordable rates with these discounts

Some insurers don’t necessarily list every possible discount in an easy-to-find place, so the list below gives a summary of both well-publicized as well as some of the hidden auto insurance savings.

  • Service Members Pay Less – Having a deployed family member could qualify you for better prices.
  • Telematics Devices – Policyholders that allow driving data submission to track their driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as the data is positive.
  • Discounts for Federal Employees – Federal government employees may reduce rates when you quote car insurance on S-Class coverage with certain companies.
  • Discounts for New Vehicles – Putting insurance coverage on a new car can be considerably cheaper since new model year vehicles have better safety ratings.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Policy Bundle Discount – If you can bundle your auto and home insurance with one insurance company you will save up to 20% off your total premium.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you aren’t that lucky.

Larger auto insurance companies and some of their more popular discounts are outlined below.

  • State Farm offers discounts for multiple autos, safe vehicle, defensive driving training, accident-free, multiple policy, Steer Clear safe driver discount, and good driver.
  • Geico has savings for air bags, multi-vehicle, multi-policy, military active duty, and defensive driver.
  • Liberty Mutual may include discounts for good student, exclusive group savings, preferred payment discount, new move discount, multi-policy, and new vehicle discount.
  • The Hartford has discounts for good student, bundle, defensive driver, air bag, vehicle fuel type, anti-theft, and driver training.
  • MetLife policyholders can earn discounts including good driver, accident-free, claim-free, multi-policy, good student, and defensive driver.
  • Progressive offers discounts including continuous coverage, online quote discount, homeowner, online signing, multi-policy, multi-vehicle, and good student.

When quoting, ask each company which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders in every state. To view companies that can offer you the previously mentioned discounts, click here.

Auto insurance can be complex

When it comes to choosing the best auto insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help highlight if you might need an agent’s assistance.

  • How much liability coverage do I need in my state?
  • At what point should I drop full coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Is rental equipment covered for theft or damage?
  • When would I need additional glass coverage?
  • Why do I need rental car insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for things like dental work, ambulance fees, nursing services, pain medications and chiropractic care. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, falling objects, vandalism and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage protection

This coverage pays for damage to your S-Class resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, driving through your garage door, sideswiping another vehicle, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance

This protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, loss of income, pain and suffering, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

More choices the merrier

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There have been many cases where drivers have reduced full coverage and found out when filing a claim that it was a big error on their part. Your goal should be to find the BEST coverage at the best possible price while still protecting your assets.

Lower-priced 2010 Mercedes-Benz S-Class insurance is available both online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don’t offer rates over the internet and these smaller providers work with independent agencies.

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