View 2013 Mercedes-Benz S-Class Insurance Rates

Searching for the cheapest insurance rates for your Mercedes-Benz S-Class? Finding low cost premium rates for insurance can seem to be challenging for people new to comparison shopping online. There are so many options that it can turn into a chore to find more affordable insurance rates.

Locating the lowest cost car insurance coverage is quite easy. Just about every vehicle owner who carries car insurance stands a good chance to be able to lower their premiums. But drivers must comprehend the methods companies use to sell online because it can help you find the best coverage.

Take advantage of every insurance coverage discount

Car insurance companies don’t list every discount in a way that’s easy to find, so the following list contains a few of the more common and the more hidden credits that may apply to you.

• Discount for Life Insurance – Larger insurance coverage companies have a small discount if you purchase some life insurance too.
• Early Signing – Some insurance companies give discounts for switching to them prior to the expiration date on your current policy. You could save around 10% when you buy auto insurance online.
• Telematics Data Discounts – Drivers who agree to allow their company to spy on when and where they use their vehicle by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they have good driving habits.
• Student Driver Training – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
• Active Service Discounts – Having a deployed family member could qualify you for better prices.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, it’s just not the way it works.

If you would like to choose from a list of insurers that offer discounts, click here.

How to get free insurance coverage quotes online

Most larger insurance companies make it easy to get coverage price quotes on the web. Comparing rates online doesn’t take a lot of time as you simply enter your required coverages into the quote form. After you submit the form the system collects credit information and your driving record and generates pricing information determined by many factors.

Online quotes makes comparing rates easy, but the time required to go to several different sites and fill out multiple forms is a big time waster. But it’s very important to have as many quotes as possible if you want to find the lowest insurance coverage rates.

Compare rates the easy way

The smarter way to find cheaper rates uses one simple form to get prices from multiple companies. The form is fast, eliminates repetitive work, and makes price shopping online a little more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the quote results.

If you find a better price you can click and sign and buy the policy. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you copy the insurance coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting rate comparison quotes for the exact same coverage.

How to know if you need help

When buying coverage, there is no single plan that fits everyone. Every situation is different.

For instance, these questions can help discover if your situation may require specific advice.

• Am I missing any policy discounts?
• What is no-fault insurance?
• I have a DUI can I still get coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What exactly is covered by my policy?
• Is pleasure use cheaper than using my 2013 Mercedes-Benz S-Class to commute?
• How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for doctor visits, X-ray expenses, dental work, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – This pays for damage to your S-Class resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail, colliding with a tree, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz S-Class.

Because many people 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. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, hail damage, damage from a tornado or hurricane, fire damage and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage protects you from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Better coverage you can count on

People leave their current company for any number of reasons including delays in responding to claim requests, not issuing a premium refund, unfair underwriting practices or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

We’ve covered some good ideas how to compare 2013 Mercedes-Benz S-Class insurance rates online. The key thing to remember is the more providers you compare, the better your chances of lowering your car insurance rates. You may even discover the best rates are with a lesser-known regional company.

More affordable insurance is definitely available both online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and many times these regional carriers only sell through independent insurance agents.

To learn more, take a look at the following helpful articles:

• Auto Insurance FAQ (Farmers Insurance)
• Distracted Driving (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Rental Reimbursement Coverage (Allstate)
• Airbag FAQ (iihs.org)