2022 Mercedes-Benz Maybach Insurance Quotes in 2024 – 5 Policy Discounts

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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: Apr 4, 2024

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Price shopping your auto insurance might be very difficult for drivers not familiar with quoting coverage prices online. There are so many different companies and agents to choose from that it can turn into a real challenge to find the lowest price.

How to buy insurance coverage online

Comparing insurance coverage rates can be a lot of work if you don’t understand the most efficient way to do it. You could spend the better part of a day talking to local insurance agents in your area, or you can utilize online quoting to get prices fast.

Many of the larger companies are enrolled in a marketplace where insurance shoppers submit one quote, and at least one company then returns a price quote determined by their information. This eliminates the need for quote forms for each company you want a rate for.

To compare rates now enter your zip code here.

The only downside to comparing rates this way is that consumers can’t choose which carriers you want to price. So if you want to select specific providers for rate comparison, we have a listing of companies who write insurance coverage in your area. Click to enter zip code.

How you compare quotes is your choice, just make sure you are using equivalent coverage limits and deductibles with each company. If the quotes have unequal deductibles or liability limits you can’t possibly determine the best price for your Mercedes-Benz Maybach. Just slight variations in coverages could throw off the whole comparison. And when comparison shopping, making a lot of price comparisons helps improve the odds of finding a better price. Not every company does price estimates online, so you need to compare quotes from them as well.

More discounts mean lower-cost premiums

Companies that sell car insurance do not list every possible discount in a way that’s easy to find, so here is a list a few of the more common and also the lesser-known discounts that may be available. If you don’t get every credit possible, you could be paying more than you need to.

  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount on your policy.
  • Save with a New Car – Insuring a new car can save up to 30% since newer models have better safety ratings.
  • Claim-Free Discount – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of at least 10% off all policies.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.

You should keep in mind that most discount credits are not given to the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride. But all discounts will reduce your auto insurance premiums.

The best auto insurance companies and their offered discounts are included below.

  • Progressive offers premium reductions for good student, online quote discount, multi-policy, homeowner, continuous coverage, and online signing.
  • SAFECO has savings for anti-theft, teen safe driver, drive less, multi-car, and bundle discounts.
  • American Family may include discounts for bundled insurance, TimeAway discount, good student, multi-vehicle, air bags, and good driver.
  • MetLife offers discounts for claim-free, multi-policy, good student, accident-free, good driver, defensive driver
  • GEICO offers discounts including five-year accident-free, defensive driver, anti-theft, multi-vehicle, emergency military deployment, and multi-policy.
  • The Hartford discounts include good student, driver training, vehicle fuel type, air bag, defensive driver, bundle, and anti-theft.

Check with every insurance company to give you their best rates. Depending on the company, some discounts might not be available to policyholders in every state. If you would like to view auto insurance companies with the best discounts, enter your zip code here.

It’s not one size fits all

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might help in determining if you would benefit from an agent’s advice.

  • How much liability do I need to cover my assets?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when driving someone else’s vehicle?
  • Do I need replacement cost coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • When does my teenage driver need to be added to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • What is UM/UIM insurance?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses – Med pay and PIP coverage kick in for expenses for dental work, X-ray expenses, prosthetic devices and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision – Collision insurance covers damage to your Maybach resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive auto insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability insurance covers claims such as emergency aid, loss of income, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

One last thing

We just showed you many ways to reduce 2022 Mercedes-Benz Maybach insurance prices online. The key concept to understand is the more you quote insurance, the higher your chance of finding inexpensive insurance. You may even find the most savings is with the least-expected company.

When getting insurance quotes online, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where an insured cut physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost.

Insureds who switch companies do it for any number of reasons including high prices, being labeled a high risk driver, high rates after DUI convictions and questionable increases in premium. No matter why you want to switch, finding a new insurance coverage company can be less work than you think.

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