Cheapest 2009 Mercedes-Benz S-Class Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Have you had enough of paying out the nose to pay your car insurance bill each month? You are no different than many other drivers. Companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with fancy advertisements and it is difficult to see past the geckos and flying pigs and find the best price available.
It’s a great practice to do rate comparisons occasionally because rates go up and down regularly. Even if you think you had the lowest rates for S-Class insurance last year you can probably find a lower rate today. There is a lot of wrong information about insurance online, so I’m going to show you the easiest ways to save money.
How to Lower Your Auto Insurance Cost
Comparing auto insurance rates can be exhausting if you don’t know 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 rate comparisons in just a few minutes.
Most car insurance companies belong to an insurance system where prospective buyers submit their information once, and each company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests for each company you want a rate for. To participate in this free quote system, click here (opens in new window).
One minor caviat to pricing coverage this way is you cannot specify the insurers you want pricing from. If you prefer to choose specific providers to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, be sure to compare apples-to-apples quote information for each price quote. If you have mixed coverages it will be very difficult to find the best deal for your Mercedes-Benz S-Class.
Do I need special coverages?
When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation will benefit from professional help.
- What vehicles should carry emergency assistance coverage?
- Are my friends covered when driving my 2009 Mercedes-Benz S-Class?
- Why do I only qualify for high-risk insurance?
- Can my babysitter drive my car?
- Am I better off with higher deductibles on my 2009 Mercedes-Benz S-Class?
- Does my policy cover me when driving someone else’s vehicle?
- Do I have coverage for damage caused while driving under the influence?
- Is business property covered if stolen from my car?
- Which is better, split liability limits or combined limits?
- Do I have coverage when pulling a U-Haul trailer?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for bills such as rehabilitation expenses, hospital visits, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Auto collision coverage
This covers damage to your S-Class resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims like hitting a mailbox, crashing into a building, driving through your garage door, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Coverage for liability
Liability coverage protects you from injuries or damage you cause to other people or property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as medical expenses, court costs, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are identical to your policy’s liability coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like theft, damage from a tornado or hurricane, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim 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.
Frequently Asked Questions
How can I lower my auto insurance cost?
To lower your auto insurance cost, you can compare rates from different companies. You can either spend time talking to local insurance agents or utilize online quoting to get rate comparisons in just a few minutes. Most car insurance companies belong to an insurance system where you can submit your information once and receive pricing from multiple companies. You can also use a free quote tool on our website to compare quotes from different companies
Can I choose specific insurance providers to receive pricing from?
When using the free quote system, you cannot specify the insurers you want pricing from. However, if you prefer to choose specific providers to receive pricing from, you can refer to our list of low-cost auto insurance companies in your area. This list can help you find the providers you are interested in.
Do I need special coverages for my auto insurance?
The need for special coverages depends on your personal situation. There isn’t a one-size-fits-all policy when it comes to auto insurance. Factors such as your driving habits, the value of your vehicle, and your personal preferences can influence the coverages you should consider. It’s advisable to speak with a licensed agent who can provide personalized advice based on your needs.
What are the common coverages offered by insurance companies?
Insurance companies typically offer the following coverages:
- Medical Payments/Personal Injury Protection
- Collision Coverage
- Liability Coverage
- Uninsured/Underinsured Motorist Coverage.
- Comprehensive Coverage
How much liability coverage do I need?
The amount of liability coverage you need is a personal decision. However, it’s generally recommended to purchase as much liability coverage as you can afford. Higher limits provide better protection against potential claims and can help safeguard your assets in case of a lawsuit. The minimum liability coverage requirements vary by state, so it’s important to comply with your state’s laws.
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