How Much Does 2013 Mercedes-Benz S-Class Insurance Cost?

Wish you could get out of an expensive auto insurance policy? Believe me, many drivers have buyer’s remorse.

There are many insurers to purchase coverage from, and even though it’s nice to be able to choose, lots of choices makes it harder to find a good deal.

Finding cheaper insurance coverage coverage can be fairly easy. Essentially anyone who carries insurance coverage should be able to find better rates. But drivers can benefit by having an understanding of how the larger insurance companies price insurance differently and use this information to your advantage.

Discounts for lower-cost insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but a few must be specifically requested prior to receiving the credit.

  • Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease on S-Class insurance with a few insurance coverage companies.
  • Organization Discounts – Being a member of a qualifying organization could trigger savings when shopping for insurance coverage.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Online Discount – Certain insurance coverage companies will give a small break simply for signing on the internet.
  • Claim Free – Good drivers with no accidents have much lower rates compared to accident-prone drivers.
  • Military Deployment Discount – Being deployed in the military may lower your insurance coverage rates slightly.

Remember that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.

The best insurance coverage companies and their possible discounts are:

  • Geico offers discounts including federal employee, driver training, military active duty, emergency military deployment, and five-year accident-free.
  • SAFECO has discounts for anti-theft, multi-car, accident prevention training, teen safety rewards, anti-lock brakes, teen safe driver, and bundle discounts.
  • State Farm offers premium reductions for passive restraint, accident-free, Steer Clear safe driver discount, anti-theft, and good driver.
  • MetLife includes discounts for claim-free, good driver, multi-policy, defensive driver, and accident-free.
  • 21st Century may offer discounts for teen driver, driver training, defensive driver, air bags, early bird, and 55 and older.
  • Progressive may include discounts for multi-policy, online signing, continuous coverage, homeowner, multi-vehicle, online quote discount, and good student.

When getting a coverage quote, ask each insurance company to give you their best rates. Some credits may not apply to policyholders in every state. If you would like to choose from a list of insurance companies who offer online insurance coverage quotes, click this link.

Compare car insurance price quotes

Effectively comparing car insurance prices can take hours if you don’t understand the most efficient way. You could waste a few hours talking to insurance agencies in your area, or you can utilize the web to achieve your goal.

Many of the larger companies take part in a program where insurance shoppers enter their coverage request one time, and each participating company provides a quote based on that information. This eliminates the need for quotation requests to every company.

To participate in this free quote system, click here to start a free quote.

The only drawback to getting quotes like this is you can’t choose which companies to get pricing from. If you wish to select from a list of companies to compare, we have a page of low cost car insurance companies in your area. Click to view list.

Take whichever approach you prefer, but do your best to use exactly the same coverages and limits for each quote you get. If each company quotes different data it will be nearly impossible to determine the best price for your Mercedes-Benz S-Class. Quoting even small variations in coverages may result in a large different in cost. And when price shopping your coverage, making a lot of price comparisons will enable you to find the best rates. Some smaller insurers to not give rate quotes online, so you should also compare price estimates from them, too.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that These are some specific questions can aid in determining if your situation may require specific advice.

  • Is rental equipment covered for theft or damage?
  • Should I carry comprehensive and collision coverage?
  • What is the minimum liability in my state?
  • Am I covered when driving a rental car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When should I remove comp and collision on my 2013 Mercedes-Benz S-Class?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

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. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from flooding, damage from getting keyed, hitting a deer and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for liability – This coverage provides protection from damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like dental work, funeral costs, EMT expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

A penny earned…

We just covered many tips how you can shop for 2013 Mercedes-Benz S-Class insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the most savings is with a lesser-known regional company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In many cases, an insured cut full coverage and learned later that the savings was not a smart move. Your goal should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.

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