2015 Mercedes-Benz S-Class Insurance Quotes – 6 Discounts for Cheapest Rates

Searching for cheaper auto insurance rates for your Mercedes-Benz S-Class? Nobody cherishes buying auto insurance, especially when their premiums are through the roof.

Because you have many different company options, it is hard for the average consumer to find the lowest price car insurance company.

More discounts equal less premium

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically when you get a quote, but some may not be applied and must be inquired about before you get the savings.

  • Driver Safety – Completing a defensive driving course can save you 5% or more if your company offers it.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Distant Student – Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on S-Class insurance than drivers with accidents.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. Any amount of discount will help reduce your premiums.

For a list of companies with discount insurance rates, follow this link.

Automobile Insurance Quotes

All major insurance companies provide insurance quotes online. Getting quotes is quite easy as you simply type in the coverages you want into a form. Once you submit the form, the company’s rating system makes automated requests for your credit score and driving record and generates a price. Quoting online helps simplify price comparisons, but having to visit different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you want to find a better rate.

The smarter way to find better insurance pricing makes use of a single form that gets price quotes from more than one company. It’s a real time-saver, requires less work, and makes rate comparisons much easier. As soon as you send your information, it is rated and you are able to buy any one of the quote results.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, click here and input your coverage information. If you have coverage now, it’s recommended you enter the coverage information identical to your current policy. Doing this assures you will receive comparison quotes using the same coverage and limits.

It’s not one size fits all

When it comes to buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Is my custom paint covered by insurance?
  • How high should my medical payments coverage be?
  • Do I benefit by insuring my home with the same company?
  • Will filing a claim cost me more?
  • Can I afford to buy a different vehicle if my 2015 Mercedes-Benz S-Class is totaled?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage breakdown

Having a good grasp of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, doctor visits and prosthetic devices. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays for damage to your S-Class resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a mailbox and crashing into a building. 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 to save money on collision insurance.

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

Comprehensive coverage protects against things like falling objects, hitting a deer and hitting a bird. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability – This coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. 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 can pay for claims such as medical expenses, attorney fees, pain and suffering and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

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

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Better coverage you can count on

Cost effective 2015 Mercedes-Benz S-Class insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance coverage companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

In this article, we presented some good ideas how to shop for insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a small mutual company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

More information is available at the links below