Cheapest 1997 Mercedes-Benz S-Class Insurance Rates in 2023
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UPDATED: Jun 1, 2023
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Locating cheaper insurance for your Mercedes-Benz S-Class can turn out to be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to find auto insurance online so you’re going to learn the quickest way to quote coverages for a new or used Mercedes-Benz and find the cheapest rates.
Consumers need to price shop coverage quite often since insurance rates are adjusted regularly by insurance companies. Just because you had the best price on S-Class coverage two years ago you will most likely find a better rate today. Starting now, ignore everything you know about auto insurance because you’re about to learn the tricks you need to know to lower your annual insurance bill.
If you have a policy now or are shopping for new coverage, you can use these tips to get lower rates while maintaining coverages. Pricing the lowest cost insurance coverage is easy if you know what you’re doing. Drivers only need an understanding of how to compare rates online.
How to reduce 1997 Mercedes-Benz S-Class insurance rates
Companies don’t necessarily list every available discount very clearly, so we break down some of the best known and the more hidden insurance coverage savings. If you’re not getting every credit you deserve, you are throwing money away.
- No Accidents – Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
- Driver’s Ed – Have your child complete a driver education course if offered at their school.
- Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
- Multiple Policy Discount – If you insure your home and vehicles with one company you may save at least 10% off all policies.
- Distant Student – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.
- Save over 55 – If you qualify as a senior citizen, you may receive reduced rates on S-Class coverage.
- Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
- Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
- Early Signing – Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, insurance coverage companies aren’t that generous.
A partial list of companies who might offer these benefits may include but are not limited to:
- American Family
- State Farm
- 21st Century
Before buying, ask all companies you are considering which discounts you may be entitled to. Savings may not apply in your area.
Tailor your coverage to you
When it comes to buying adequate coverage, there really is not a one size fits all plan. Everyone’s needs are different.
For instance, these questions can aid in determining if you would benefit from professional advice.
- What should my uninsured motorist coverage limits be in my state?
- Does liability extend to a camper or trailer?
- Do I pay less if my vehicle is kept in my garage?
- Does car insurance cover theft of personal property?
- Is my business laptop covered if it gets stolen from my vehicle?
- Will my insurance pay for OEM parts?
- When should I drop full coverage on my 1997 Mercedes-Benz S-Class?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Consumers get pounded daily by advertisements for car insurance savings from the likes of State Farm and Allstate. All the companies say the same thing about savings after switching your coverage to them.
How does each company claim to save you money? It’s all in the numbers.
All companies have a preferred profile for the driver they prefer to insure. For example, a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and has a high credit rating. A driver who matches those parameters gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.
Drivers who do not match this ideal profile will have to pay a higher premium and this can result in business not being written. The ads state “people who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make those claims. Because of the profiling, you need to get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.
Parts of your insurance policy
Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.
Comprehensive insurance – This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as damage from flooding, rock chips in glass and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability auto insurance – This will cover damage or injury you incur to other’s property or people. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers claims like loss of income, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Collision – Collision insurance covers damage to your S-Class resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. 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. You can also increase the deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1997 Mercedes-Benz S-Class.
Because many people 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 important protection for you and your family.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for bills like EMT expenses, chiropractic care, nursing services and prosthetic devices. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible
Summing up your auto insurance search
When you buy insurance online, do not buy poor coverage just to save money. There are many occasions where an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best price.
People change insurance companies for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, delays in paying claims or policy non-renewal. Whatever your reason, finding a new company is less work than it seems.
We just covered many ways to compare 1997 Mercedes-Benz S-Class insurance prices online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest premiums are with a small mutual company.
For more information, feel free to visit these articles:
- Event Data Recorders FAQ (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
Frequently Asked Questions
How can I reduce my 1997 Mercedes-Benz S-Class insurance rates?
To reduce your insurance rates for a 1997 Mercedes-Benz S-Class, you can follow these tips:
- Compare quotes from multiple insurance companies to find the best rate.
- Ask the insurance companies about available discounts that you may qualify for.
- Consider raising your deductibles, which can lower your premium.
- Maintain a good driving record and avoid accidents and traffic violations.
- Take advantage of any anti-theft devices or safety features in your vehicle.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, for potential multi-policy discounts.
What discounts are available for auto insurance?
Auto insurance companies offer various discounts to policyholders. Some common discounts include:
- Multi-policy discount: Save by bundling multiple policies with the same insurance company.
- Good driver discount: Get rewarded for maintaining a clean driving record.
- Good student discount: Students with good grades may be eligible for this discount.
- Safety features discount: Vehicles equipped with safety features like anti-lock brakes and airbags may qualify for a discount.
- Anti-theft device discount: Installing an anti-theft device in your car can result in lower premiums.
- Low mileage discount: If you don’t drive much, you may be eligible for this discount.
- Defensive driving course discount: Completing an approved defensive driving course can earn you a discount.
How do insurance companies determine rates?
Insurance companies consider several factors when determining insurance rates, including:
- Your driving record: A clean driving record with no accidents or violations generally leads to lower rates.
- Vehicle make and model: Some vehicles are more expensive to insure due to higher repair costs or higher theft rates.
- Age and gender: Younger and less experienced drivers typically pay higher premiums.
- Location: Insurance rates can vary based on where you live due to factors like population density and crime rates.
- Coverage and deductibles: The amount of coverage you choose and the deductibles you select can affect your rates.
- Credit history: In some states, insurance companies may use credit-based insurance scores to determine rates.
Should I tailor my coverage to my specific needs?
Yes, it’s important to tailor your auto insurance coverage to your specific needs. Every individual has unique circumstances and requirements when it comes to insurance. Consider factors such as your driving habits, the value of your vehicle, your financial situation, and any potential risks you may face. It’s a good idea to review your coverage periodically and make adjustments as needed to ensure you have the right level of protection.
Are the advertised savings for switching car insurance companies accurate?
The advertised savings for switching car insurance companies can vary depending on individual factors. Insurance companies often target specific demographics or driver profiles when advertising savings. While some individuals may indeed save money by switching, it’s essential to compare quotes from multiple insurers to determine the best rates for your specific situation. Each insurer has its own underwriting criteria and pricing algorithms, so the savings may vary from person to person. It’s recommended to gather quotes and evaluate the coverage options to make an informed decision.
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