Cheapest 1999 Mercedes-Benz S-Class Insurance Rates in 2023
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UPDATED: Jun 3, 2023
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Shoppers have many options when shopping for the best price on Mercedes-Benz S-Class insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to find the lowest rates. There is a better way to buy insurance coverage and we’ll show you the quickest way to price shop coverage for your Mercedes-Benz and obtain the lowest price from local insurance agents and online providers.
It’s smart to price shop coverage yearly because rates change quite often. Even if you think you had the lowest rates on S-Class insurance a year ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the quickest way to get good coverage at a lower rate.
Save with discounts on 1999 Mercedes-Benz S-Class insurance
Companies that sell car insurance don’t always advertise every discount very well, so here is a list both the well known and the harder-to-find auto insurance savings. If you don’t get every credit you deserve, you are paying more than you should be.
- Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
- Homeowners Discount – Owning a home can save you money because maintaining a house shows financial diligence.
- Organization Discounts – Belonging to a qualifying organization could qualify you for a break when shopping for auto insurance on S-Class insurance.
- Multi-car Discount – Having more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
It’s important to note that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.
To see a list of companies with the best auto insurance discounts, click this link.
Tailor your coverage to you
When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might help in determining whether or not you might need professional guidance.
- Is there coverage for injuries to my pets?
- Am I covered when driving in Canada or Mexico?
- Am I better off with higher deductibles on my 1999 Mercedes-Benz S-Class?
- Does coverage extend to my business vehicle?
- At what point should I drop full coverage?
- Do I need higher collision deductibles?
- Does my 1999 Mercedes-Benz S-Class qualify for pleasure use?
- Where can I get insurance after a DUI in my state?
- Is my cargo covered for damage or theft?
- Does my medical payments coverage pay my health insurance deductible?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.
The coverage is in the details
Understanding the coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Medical expense insurance
Coverage for medical payments and/or PIP pay for expenses such as nursing services, ambulance fees, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
This coverage pays for damage to your S-Class resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1999 Mercedes-Benz S-Class.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability auto insurance
This protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses, attorney fees, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive (Other than Collision)
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as falling objects, hitting a bird, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Knowledge is power
In this article, we presented some good ideas how to lower your 1999 Mercedes-Benz S-Class insurance rates. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the lesser-known companies.
While you’re price shopping online, you should never skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at an affordable rate.
Discount insurance can be purchased from both online companies and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
Additional insurance coverage information is located at these links:
- Collision Coverage (Liberty Mutual)
- Auto Insurance FAQ (Farmers Insurance)
- How do I File a Claim? (Insurance Information Insitute)
- Get the Right Protection (InsureUonline.org)
- Speed and Speed Limit FAQ (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
Frequently Asked Questions
What factors can affect the rates for auto insurance on a 1999 Mercedes-Benz S-Class?
Various factors can affect the rates for auto insurance on a 1999 Mercedes-Benz S-Class. Some of the factors that insurance companies consider include the driver’s age and driving history, the location where the vehicle is primarily parked, the coverage options selected, the deductible amount chosen, and the overall claims history of the specific make and model of the vehicle.
Are there any discounts available for auto insurance on a 1999 Mercedes-Benz S-Class?
Yes, there may be discounts available for auto insurance on a 1999 Mercedes-Benz S-Class. Insurance companies often offer discounts based on factors such as the driver’s safety features, anti-theft devices, multiple policies with the same company, good driving record, and low annual mileage. It’s recommended to inquire with different insurance providers to determine the specific discounts they offer for the 1999 Mercedes-Benz S-Class.
What types of coverage should I consider for my 1999 Mercedes-Benz S-Class?
When considering coverage for a 1999 Mercedes-Benz S-Class, it’s important to evaluate your specific needs and preferences. Some essential coverage options to consider are liability insurance, which protects against damages or injuries caused to others, collision insurance, which covers damage resulting from collisions, comprehensive insurance, which covers damage from non-collision incidents like theft or natural disasters, and uninsured/underinsured motorist coverage, which provides protection if you’re involved in an accident with an uninsured or underinsured driver.
How can I save money on auto insurance for my 1999 Mercedes-Benz S-Class?
To save money on auto insurance for a 1999 Mercedes-Benz S-Class, it’s recommended to compare quotes from multiple insurance providers. Additionally, maintaining a good driving record, bundling your auto insurance with other policies, opting for higher deductibles, and taking advantage of available discounts can help lower your insurance premiums. It’s also beneficial to review your coverage periodically to ensure it aligns with your current needs.
Where can I find companies offering cheap auto insurance rates for a 1999 Mercedes-Benz S-Class?
To find companies offering cheap auto insurance rates for a 1999 Mercedes-Benz S-Class, you can utilize online resources and comparison tools. By entering your ZIP code into the provided tool on various insurance websites, you can receive quotes from different companies. It’s recommended to compare the rates, coverage options, and customer reviews of multiple providers to make an informed decision. Additionally, you can consider reaching out to local insurance agents who can provide personalized quotes and guidance based on your specific requirements.
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