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Mercedes-Benz S-Class Insurance Rates

Buying car insurance through online providers is simple to do, in addition you may find lower rates. The critical component is to take the time to get as many rate quotes as possible in order to have the lowest prices.

Shopping online for car insurance can be complicated if you have never used online quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The easiest way to compare S-Class insurance cost is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine S-Class insurance quotes

Insurance premiums for a Mercedes-Benz S-Class can vary widely subject to many criteria. A few of these criteria are:

  • Traffic citations increase rates
  • Credit rating
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your job
  • The amount of protection requested
  • Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new Mercedes-Benz models so repair costs tend to be lower which can decrease annual premiums. But more recent Mercedes-Benz vehicles have more advanced features including lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which can lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability auto insurance - S-Class liability coverage will cover injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision - Collision insurance will pay to fix damage to your Mercedes-Benz caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. S-Class collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Mercedes-Benz S-Class Insurance Rates?