2019 Mercedes-Benz S-Class Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2024

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No sane person gets a kick out of paying for auto insurance, especially when they know the cost is way too high. Due to the increasing number of options when it comes to auto insurance, it can be challenging to locate a more affordable auto insurance company.

Consumers need to do rate comparisons as often as possible due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the best deal on S-Class coverage two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

Finding affordable coverage is not rocket science. If you have a current insurance coverage policy or are just looking to switch companies, you will benefit by learning to find better prices while maximizing coverage. Consumers just need to know the tricks to shop on the web.

Insurance quotes comparison

Most companies such as Progressive, Allstate and GEICO give prices for coverage direct online. Getting prices online is quite easy because it’s just a matter of typing in the coverage amounts you desire into the quote form. Once you submit the form, the system collects reports for credit and driving violations and generates a price based on many factors. Being able to quote online makes comparing rates easy, but the work required to visit each company’s website and repetitively enter the same data into a form is a big time waster. But it’s necessary to compare as many rates as possible in order to find the lowest insurance rates.

There is a better way!

An easier way to lower your rates requires only one form to obtain quotes from several companies at one time. It saves time, eliminates form submissions, and makes price shopping online much easier to do. Immediately after submitting the form, your coverage is rated and you are able to buy any one of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process can be completed in a matter of minutes and may result in a nice savings.

To find out if lower rates are available, simply enter your zip code here and enter your information. If you have a policy now, it’s recommended that you enter your coverages exactly as they are listed on your policy. Using the same limits helps guarantee you’re receiving a fair comparison for the exact same coverage.

Get lower rates with discounts

Insurance coverage is not inexpensive, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time of purchase, but some need to be requested specifically in order for you to get them. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Discount for Multiple Policies – If you have multiple policies with the same company you could save approximately 10% to 15%.
  • Telematics Data – Policyholders that allow their insurance coverage company to study their driving habits by installing a telematics device such as State Farm’s In-Drive might see lower rates if they show good driving skills.
  • Discount for Passive Restraints – Cars that have air bags or motorized seat belts could see savings of 25 to 30%.
  • Discounts for Government Workers – Federal government employees can save as much as 8% on S-Class coverage with select insurance companies.
  • Multiple Vehicles – Drivers who insure more than one vehicle on the same insurance coverage policy could earn a price break for each car.
  • Safe Drivers – Safe drivers could pay up to 40% less on S-Class coverage compared to accident prone drivers.
  • Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.

A list of insurance coverage companies and a summarized list of policyholder discounts are:

  • American Family may have discounts that include good driver, multi-vehicle, bundled insurance, mySafetyValet, good student, and TimeAway discount.
  • State Farm has savings for driver’s education, good student, student away at school, multiple autos, and good driver.
  • 21st Century may offer discounts for 55 and older, theft prevention, defensive driver, air bags, and teen driver.
  • Travelers offers discounts including multi-car, hybrid/electric vehicle, good student, multi-policy, home ownership, and driver training.
  • GEICO discounts include driver training, air bags, federal employee, anti-lock brakes, and daytime running lights.

Before buying, ask all the companies to apply every possible discount. A few discounts might not be available to policyholders everywhere. To locate insurers that offer the discounts shown above, enter your zip code here.

What is the best insurance coverage?

When it comes to choosing the best insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need roadside assistance coverage?
  • What is medical payments coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is a blown tire covered by insurance?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete your zip code. It only takes a few minutes and can help protect your family.

Car insurance coverage considerations

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills for chiropractic care, ambulance fees, pain medications and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability – Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles, medical services, legal defense fees and structural damage. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, scraping a guard rail, sustaining damage from a pot hole, rolling your car and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

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