1998 Mercedes-Benz S-Class Insurance Quotes – 8 Discounts for Cheaper Rates

Having to pay for overpriced insurance coverage can take a big chunk out of your bank account and force you to make sacrifices. Comparison shopping is a great way to cut your insurance bill.

Because you have many options when it comes to insurance coverage, it can be challenging to pick the most affordable car insurance company.

Smart consumers take time to compare prices occasionally since rates are constantly changing. Just because you found the best price for S-Class insurance on your last policy you may be paying too much now. Ignore everything you know about insurance coverage because we’re going to demonstrate the easiest way to properly buy coverages while reducing your premium.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. But vehicle owners must learn how companies sell insurance online and take advantage of how the system works.

Comprehensive Car Insurance Comparison Quotes

When shopping for car insurance there are multiple ways of comparing rates and find the best price. By far the easiest way to find the lowest 1998 Mercedes-Benz S-Class rates is to get quotes online. This can be done in several different ways.

1. The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing separate forms for each company you want a rate for. One form will get you price quotes from several companies.
2. Another way to compare rate quotes is going to each company website to complete their respective quote request forms. For example, let’s assume you want to compare Geico, Safeco and Progressive. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

   To view a list of companies in your area, click here.

3. The hardest way of comparing rate quotes is driving around to insurance agents’ offices. Shopping for car insurance online has reduced the need for local agents unless you want the personal advice of a licensed agent. It is possible to obtain prices from the web and get advice from an agent in your area and you’ll learn how to do that later.

It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits with every price quote. If your comparisons have different deductibles it will be very difficult to determine the best price for your Mercedes-Benz S-Class. Just a small difference in limits could mean much higher rates. And when comparison shopping, having more price comparisons will improve the odds of getting the best offered rates.

These eight discounts can slash auto insurance rates

Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.

• Federal Employees – Simply working for the federal government can save as much as 8% for S-Class insurance with a few auto insurance companies.
• College Student – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
• Military Discounts – Having a family member in the military could mean lower rates.
• Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
• Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing online.
• No Claims – Good drivers with no accidents pay much less as compared to drivers who are more careless.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurers who offer auto insurance discounts, click here to view.

When might I need the advice of an agent?

When choosing the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need professional guidance.

• Does my policy cover me when driving someone else’s vehicle?
• When should I drop full coverage on my 1998 Mercedes-Benz S-Class?
• Should I sign the liability waiver when renting a car?
• Am I covered when delivering products for my home-based business?
• Do I need special endorsements for business use of my vehicle?
• How do I insure my teen driver?
• At what point should I drop full coverage?
• How much liability coverage do I need in my state?
• Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

What car insurance coverages do you need?

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability auto insurance – This coverage can cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as legal defense fees, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz S-Class.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for ambulance fees, EMT expenses, funeral costs and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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

Comprehensive coverage protects against things such as rock chips in glass, damage from getting keyed, falling objects and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.