Cheapest 2014 Mercedes-Benz S-Class Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Shoppers have many options when shopping for the lowest priced Mercedes-Benz S-Class insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to get rate quotes. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the absolute fastest way to get price quotes for a Mercedes-Benz and obtain the lowest price.
Save money by taking advantage of these discounts
Auto insurance companies don’t list all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Defensive Driving Course – Completing a course teaching defensive driving skills can save you 5% or more if you qualify.
- Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for S-Class coverage than less cautious drivers.
- Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
- Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
- Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
- Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
- Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
- Government Employees – Active or retired federal employment can earn a discount up to 10% for S-Class coverage depending on your company.
- E-sign – A few companies will give a small break just for signing your application on their website.
- Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Keep in mind that some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.
Car insurance companies that may have these benefits include:
Double check with every prospective company what discounts are available to you. All car insurance discounts might not be offered in your area.
When should I use an insurance agent?
When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.
For instance, these questions may help highlight if you could use an agent’s help.
- Will my vehicle be repaired with OEM or aftermarket parts?
- Is my camper covered by my car insurance policy?
- Am I covered if I hit a deer?
- Can I still get insurance after a DUI?
- How high should my uninsured/underinsured coverage be in my state?
- Can I afford to buy a different vehicle if my 2014 Mercedes-Benz S-Class is totaled?
- Is my dog or cat covered if injured in an accident?
- Is my trailer covered?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.
Auto insurance coverages explained
Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive (Other than Collision)
This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like theft, vandalism, damage from a tornado or hurricane and hitting a bird. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical expense insurance
Med pay and PIP coverage kick in for bills for things like surgery, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
This coverage covers damage to your S-Class from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.
Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers things such as loss of income, structural damage and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.
Save for a rainy day
Discount 2014 Mercedes-Benz S-Class insurance can be sourced both online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
Drivers who switch companies do it for many reasons like delays in paying claims, policy non-renewal, questionable increases in premium or an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is not as hard as you think.
In this article, we presented many tips how you can reduce insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the smallest insurance companies.
For more information, take a look at these articles:
- Collision Coverage (Liberty Mutual)
- Auto Insurance Basics (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Should I Buy a New or Used Car? (Allstate)
- Child Safety Seats (Insurance Information Insitute)
Frequently Asked Questions
Why is the insurance for a 2014 Mercedes-Benz S-Class expensive?
The insurance for a 2014 Mercedes-Benz S-Class is often expensive due to several factors. These factors include the high value and cost of repairs associated with the vehicle, the potential for theft, the advanced technology and features present in the car, and the generally higher insurance rates for luxury vehicles.
Are there any ways to reduce the insurance costs for a 2014 Mercedes-Benz S-Class?
While the insurance costs for a 2014 Mercedes-Benz S-Class may be higher compared to other vehicles, there are a few steps you can take to potentially reduce the insurance costs. These include:
- Increasing your deductibles: Opting for a higher deductible can lower your insurance premium, although it means you would pay more out of pocket in the event of a claim.
- Installing anti-theft devices: Equipping your vehicle with anti-theft devices, such as alarm systems or tracking devices, can help reduce the risk of theft and potentially lower your insurance rates.
- Maintaining a clean driving record: Having a history of safe driving without any accidents or traffic violations can lead to lower insurance premiums over time.
- Shopping around for quotes: It’s advisable to compare insurance quotes from different providers to find the most competitive rates available for your 2014 Mercedes-Benz S-Class.
Are there any specific insurance companies that offer lower rates for insuring a 2014 Mercedes-Benz S-Class?
Insurance rates can vary significantly between insurance companies, and the rates for insuring a 2014 Mercedes-Benz S-Class will depend on various factors such as your location, driving history, and personal circumstances. It’s recommended to obtain quotes from multiple insurance companies to find the best rates for your specific situation.
Does the trim level or engine size of the 2014 Mercedes-Benz S-Class affect insurance costs?
Yes, the trim level and engine size of the 2014 Mercedes-Benz S-Class can impact insurance costs. Generally, higher trim levels or models with more powerful engines may have higher insurance premiums due to the increased value and potential for higher repair costs. It’s advisable to check with insurance providers to determine the specific impact on insurance rates for different trim levels or engine sizes.
Can I find specialized insurance coverage for my 2014 Mercedes-Benz S-Class?
Some insurance companies offer specialized coverage options specifically tailored for luxury vehicles like the 2014 Mercedes-Benz S-Class. These coverage options may provide additional protection and benefits, such as agreed value coverage, original equipment manufacturer (OEM) parts replacement, and enhanced roadside assistance. Contact various insurance providers and inquire about specialized coverage options for your vehicle.
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