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Mercedes-Benz S-Class Insurance Rates

There are many options when attempting to insure your Mercedes-Benz vehicle. You can buy from a local agent or price shop online to check prices from multiple companies. Shopping for auto insurance online is simple to do and there is a good chance you might just save a little.

Comparing auto insurance rates direct online can be a challenge if you have never used online quoting. Don't let that stop you because comparing prices is actually very simple. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes to get quotes online with multiple companies. This is very easy and can be done by completing this short form.

Auto insurance rates for your Mercedes-Benz S-Class can fluctuate considerably subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Accidents raise premiums
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you own your home

A final factor that will help determine S-Class insurance rates is the model year. New vehicles have a higher replacement value in comparison to later models so the payout to repair may result in higher rates. Although more recent Mercedes-Benz vehicles may have a trim level with safety features included like lane departure warning system, traction control, and autonomous braking which may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your S-Class below.

Liability coverage

S-Class liability coverage will cover damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Mercedes-Benz resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper S-Class insurance rates.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your Mercedes-Benz S-Class comprehensive insurance. The most 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Mercedes-Benz S-Class Insurance Rates?