2017 Mercedes-Benz S-Class Insurance Rates in 2024

Want better insurance rates for your Mercedes-Benz S-Class? Trying to find better insurance prices for a Mercedes-Benz S-Class could be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to shop for insurance and you need to know the proper way to get price quotes on a Mercedes-Benz and obtain the cheapest rates either online or from local insurance agents.

How to find low cost auto insurance

Most larger insurance companies give pricing direct online. Doing online quotes is possible for anyone as you just enter into the quote form. After the form is submitted, the system pulls your credit score and driving record and provides a quote based on these factors.

Online price quotes simplifies rate comparisons, but the work required to visit multiple sites and type in the same information gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible in order to get better auto insurance pricing.

There is an easier way!

A better way to get multiple rate quotes uses one simple form to return rates from more than one company. It saves time, requires much less work on your part, and makes online price comparison much easier to do. Immediately after you send the form, it gets priced and you are able to buy any or none of the resulting price quotes.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It can be completed in less than 10 minutes and may result in a nice savings.

If you want to compare pricing, simply enter your zip code here and fill out the form. If you currently have coverage, we recommend you enter coverages and limits exactly as shown on your declarations page. This way, you will receive a fair comparison using the exact same coverages.

Find hidden discounts to get affordable insurance coverage rates

Not many people think insurance is cheap, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be specially asked for before being credited.

• Own a Home – Being a homeowner can get you a discount because maintaining a house requires personal responsibility.
• Theft Deterrent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
• Good Driver Discount – Safe drivers can save up to 40% or more on their insurance coverage quote for S-Class coverage than their less cautious counterparts.
• 55 and Retired – Mature drivers can possibly qualify for a discount up to 10% for S-Class coverage.
• Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you a discounted price on car insurance if you buy auto and life insurance together.

Keep in mind that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, it’s just not the way it works. Any amount of discount will reduce your overall bill.

The best insurance coverage companies and some of the premium reductions they offer include:

• Farm Bureau has savings for multi-vehicle, renewal discount, multi-policy, 55 and retired, good student, and driver training.
• State Farm policyholders can earn discounts including Drive Safe & Save, student away at school, good student, multiple policy, anti-theft, good driver, and accident-free.
• Progressive includes discounts for multi-policy, multi-vehicle, continuous coverage, online signing, online quote discount, and good student.
• Allstate offers premium reductions for 55 and retired, multi-policy, premier discount, FullPay discount, safe driver, EZ pay plan discount, and economy car.
• Nationwide may offer discounts for anti-theft, good student, family plan, accident-free, and easy pay.
• MetLife offers discounts for accident-free, good student, defensive driver, claim-free, and multi-policy.

When comparing rates, check with each company or agent how many discounts you can get. Discounts might not apply in your area. To choose companies that offer discounts, enter your zip code here.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if you may require specific advice.

• Am I insured when driving a different vehicle?
• If my pet gets injured in an accident are they covered?
• If I drive on a suspended license am I covered?
• Am I covered if I hit my neighbor’s mailbox?
• Do I need roadside assistance coverage?
• Is my 2017 Mercedes-Benz S-Class covered for flood damage?
• Where can I find high-risk insurance?
• Am I better off with higher deductibles on my 2017 Mercedes-Benz S-Class?
• Is extra glass coverage worth it?
• What is UM/UIM insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and can provide invaluable advice.

Car insurance coverages 101

Knowing the specifics of car insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a deer, vandalism and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mercedes-Benz S-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

Collision insurance will pay to fix damage to your S-Class resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like funeral expenses, legal defense fees, emergency aid, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like X-ray expenses, prosthetic devices and surgery. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

One last thing

We just showed you a lot of information how to save on 2017 Mercedes-Benz S-Class insurance. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, extreme rates for teen drivers or even an unsatisfactory settlement offer. Whatever your reason, choosing a new company is actually quite simple.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut collision coverage only to regret they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best cost, but do not skimp to save money.