Save on 2015 Mercedes-Benz S-Class Car Insurance Quotes

Did you come to the realization that you have an underperforming, overpriced insurance coverage policy? Trust us when we tell you many drivers have buyer’s remorse. There are many insurers to purchase coverage from, and though it is a good thing to be able to choose, so many choices can make it hard to compare rates.

Buying the cheapest coverage is easy if you know what you’re doing. If you are insured now or need a new policy, you can learn to reduce the price you pay and still get good coverage. Drivers only need an understanding of the best way to compare prices on the web.

Take advantage of every insurance discount

Auto insurance companies don’t always list all possible discounts very clearly, so the list below details a few of the more well known and the more hidden credits available to bring down your rates.

  • Safe Driver Discount – Drivers without accidents can save up to 40% or more on their car insurance quote on S-Class coverage compared to rates paid by drivers with frequent claims.
  • Senior Discount – Seniors may receive reduced rates on S-Class coverage.
  • Telematics Discount – Drivers who elect to allow their company to look at when and where they use their vehicle remotely such as Progressive’s Snapshot might see lower rates if they show good driving skills.
  • Multi-policy Discount – When you have multiple policies with one insurance company they may give you a discount of approximately 10% to 15%.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control have fewer accidents and will save you 10% or more.
  • Defensive Driving Course – Participating in a defensive driver course may get you a small discount and make you a better driver.

We need to note that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, you won’t be that lucky.

To locate insurance companies with the best insurance discounts, follow this link.

How to buy auto insurance online

Performing a rate comparison can be a daunting task if you don’t understand the best way to get rate quotes. You can waste hours discussing policy coverages with insurance companies in your area, or you can utilize the web to achieve your goal.

Many of the larger companies belong to a marketplace that enables customers to enter their policy data once, and each company can give them a price determined by their information. This prevents consumers from doing quote requests to every company.

To use this form to compare rates click here to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose which insurance companies to get quotes from. So if you prefer to choose from a list of companies to compare rates, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but ensure you’re using exactly the same coverage limits on every quote you get. If each company quotes different coverage information you can’t possibly make an equal comparison.

How to know if you need help

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Every situation is different and your policy should reflect that. For instance, these questions might help in determining whether or not you may require specific advice.

  • Does my personal policy cover me when driving out-of-state?
  • Do I need medical payments coverage since I have good health insurance?
  • Exactly who is provided coverage by my policy?
  • Am I covered when driving in Canada or Mexico?
  • How much can I save by bundling my policies?
  • Does my policy pay for OEM or aftermarket parts?
  • Where can I find DUI or SR-22 insurance?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2015 Mercedes-Benz S-Class.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Liability

Liability insurance can cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical services, emergency aid and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for things like X-ray expenses, dental work, doctor visits and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, damage from getting keyed, vandalism and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance covers damage to your S-Class resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

The bottom line

The cheapest 2015 Mercedes-Benz S-Class insurance is available online as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance companies may not have rates over the internet and usually these regional insurance providers only sell coverage through local independent agencies.

As you quote car insurance, make sure you don’t skimp on coverage in order to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

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