Compare 1997 Mercedes-Benz S-Class Insurance Quotes

Locating low-cost insurance for a Mercedes-Benz S-Class could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to shop for auto insurance so you’re going to learn the quickest way to compare rates on a Mercedes-Benz and get the lowest price either online or from local insurance agents.

Are you getting all your discounts?

Car insurance can cost a lot, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you quote, but some must be manually applied before they will apply. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on S-Class coverage than drivers with accident claims.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Accident Free – Drivers with accident-free driving histories pay less compared to drivers who are more careless.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy qualifies for this discount.
  • Life Insurance – Some companies give better rates if you take out life insurance.
  • Sign Early and Save – Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more depending on where you live.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any qualifying discounts will bring down your overall premium however.

Car insurance companies that may offer these money-saving discounts include:

Double check with every prospective company how you can save money. All car insurance discounts might not apply in your area.

How to Buy Insurance Coverage Online

Shopping for lower insurance coverage rates can take hours if you don’t understand the fastest way to get free quotes. You can spend countless hours talking about coverages with agents in your area, or you could save time and use the web to accomplish the same thing much quicker.

Most major companies belong to an insurance system that enables customers to complete one form, and each participating company can provide price quotes. This eliminates the need for quotation requests for every insurance coverage company.

To submit your quote information now, click here to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose the companies you want pricing from. So if you prefer to pick specific providers to compare, we have a listing of low cost insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage limits for every company. If you use different values for each quote it’s impossible to determine the lowest rate for your Mercedes-Benz S-Class.

Elements that influence Mercedes-Benz S-Class insurance rates

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower insurance coverage prices.

  • Consolidate policies to earn discounts – Many companies give discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to compare rates to confirm you are receiving the best rates possible.
  • Your spouse saves you money – Being married can get you a discount on insurance coverage. Having a significant other is viewed as being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Small claims can cost you – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Companies generally give better rates to insureds who do not rely on their insurance for small claims. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Liability insurance protects assets – Liability coverage is the protection if you are found to be at fault for damages from an accident. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Do you have a high stress job? – Careers like doctors, business owners and accountants are shown to have higher rates than average due to high stress levels and lengthy work days. On the flip side, jobs such as scientists, athletes and retirees pay the least on S-Class coverage.
  • Traffic citations inflate rates – A bad driving record has a big impact on rates. Careful drivers tend to pay less for car insurance than bad drivers. Even one citation can boost insurance rates forty percent or more. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Your car’s features help determine rates – Driving a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Increase deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Mercedes-Benz from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, vandalism, and burglary. Your deductibles are the amount of money you are required to spend in the event of a claim. The more expense the insured has to pay upfront, the less your company will charge you for insurance on S-Class coverage.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might point out if your insurance needs would benefit from professional advice.

  • Is rental equipment covered for theft or damage?
  • Am I covered if I crash into my own garage door?
  • How much underlying liability do I need for an umbrella policy?
  • Does my insurance cover a custom paint job?
  • Who is covered when they drive my 1997 Mercedes-Benz S-Class?
  • Are my friends covered when driving my car?
  • What are the best liability limits?
  • Am I covered if I break a side mirror?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim that you’ll save big if you change your coverage to them.

But how can every company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured could possibly be a mature driver, has no prior claims, and drives newer vehicles. A propective insured who matches those parameters is entitled to the best price and most likely will save quite a bit of money when switching.

Potential insureds who don’t measure up to this ideal profile will have to pay higher premiums which usually ends up with the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that much. That’s why companies can make those claims.

Because of the profiling, drivers must get quotes from several different companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest Mercedes-Benz S-Class insurance rates.

Auto insurance coverage specifics

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and theft. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Mercedes-Benz S-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision – Collision coverage covers damage to your S-Class resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, hitting a mailbox, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability car insurance – Liability coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like court costs, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for nursing services, ambulance fees and funeral costs. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Final considerations

Cheap 1997 Mercedes-Benz S-Class insurance is possible both online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Throughout this article, we presented many tips how you can lower your insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the most savings is with an unexpected company.

People switch companies for any number of reasons including policy cancellation, high rates after DUI convictions, high prices or delays in paying claims. It doesn’t matter why you want to switch choosing a new company is easier than you think.

More tips and info about auto insurance is available by following these links: