Lower Your 2021 Mercedes-Benz S-Class Insurance Rates in 2024

Purchasing low-cost auto insurance may at first seem to be impossible for vehicle owners not familiar with buying insurance over the internet. With so many online companies available, how can drivers be able to compare them all to find the best price?

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. This information will help educate you on how to effectively get price quotes and some tips to save money. Although drivers must know how companies sell insurance online because it can help you find the best coverage.

How to find cheap car insurance

There are a variety of methods you can shop for car insurance but there is one way that is more efficient than others. You can spend countless hours talking to insurance agencies in your area, or you could use online quotes to get rates in a matter of minutes.

Most of the best insurance companies enroll in a system where prospective buyers submit their information once, and every company then returns a price quote determined by their information. This eliminates the need for quote forms for each company.

To find out how much you’re overpaying now enter your zip code here.

The one downside to comparing rates this way is buyers cannot specifically choose the companies you will receive quotes from. If you would rather choose specific providers for rate comparison, we put together a list of low cost car insurance companies in your area. Click to enter zip code.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage limits for every quote you compare. If you are comparing different values for each quote you will not be able to decipher which rate is best. Having just a slight variation in insurance coverages may cause a big price difference. And when quoting car insurance, remember that comparing more company’s prices will increase your chances of finding a better price. Not every company provides online rate quotes, so it’s important to compare prices from them, too.

Take advantage of every car insurance discount

Auto insurance companies don’t always advertise every discount they offer in a way that’s easy to find, so the following list contains both the well known and the harder-to-find car insurance savings.

• Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts can save a little off PIP or medical payments premium.
• Mature Driver Discount – If you’re over the age of 55, you can possibly qualify for better car insurance rates for S-Class insurance.
• Driver Safety – Passing a defensive driver course can save you 5% or more and make you a better driver.
• No Claims – Insureds with no claims or accidents pay less as compared to drivers with a long claim history.
• Theft Deterrent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance quote.
• Switch and Save Discount – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
• Service Members Pay Less – Being deployed in the military could mean lower car insurance rates.
• New Car Discount – Buying a new car model may earn a small discount compared to insuring an older model.

You should keep in mind that most discounts do not apply to the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts should definitely cut the amount you pay for coverage.

A list of car insurance companies and their offered discounts can be read below.

• GEICO discounts include good student, five-year accident-free, seat belt use, air bags, multi-vehicle, driver training, and membership and employees.
• Mercury Insurance may have discounts that include annual mileage, location of vehicle, accident-free, multi-car, and type of vehicle.
• Farmers Insurance offers premium reductions for pay in full, homeowner, youthful driver, electronic funds transfer, alternative fuel, and teen driver.
• Auto-Owners Insurance may include discounts for paperless, multiple vehicles, safe vehicle, teen driver, mature driver, safe driver, and multi-policy.
• Liberty Mutual has discounts for safety features, good student, new vehicle discount, teen driver discount, hybrid vehicle, and preferred payment discount.
• SAFECO includes discounts for teen safe driver, teen safety rewards, drive less, anti-theft, and homeowner.
• Progressive offers discounts including online quote discount, homeowner, multi-vehicle, multi-policy, continuous coverage, and online signing.
• USAA has savings for driver training, new vehicle, good student, multi-vehicle, defensive driver, multi-policy, and vehicle storage.

If you are trying to find cheaper insurance quotes, ask all the companies which discounts you may be entitled to. Discounts might not be offered in your area. To view providers who offer car insurance discounts, enter your zip code here.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

• Should I bundle my homeowners policy with my auto?
• Do I get a pro-rated refund if I cancel my policy early?
• When should I drop full coverage on my 2021 Mercedes-Benz S-Class?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered if I break a side mirror?
• Is rental equipment covered for theft or damage?
• How many claims can I have before being cancelled?
• Is upholstery damage covered by car insurance?
• Do I need added coverage for expensive stereo equipment?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete your zip code.

Specifics of your auto insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, falling objects, rock chips in glass and hail damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance covers damage to your S-Class resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz S-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, emergency aid, court costs, medical services and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as X-ray expenses, surgery, prosthetic devices, rehabilitation expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage