Lower Your 2018 Mercedes-Benz S-Class Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2024

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Searching for cheaper insurance for a Mercedes-Benz S-Class could be a painful process, but you can use a few tricks to make it easier.

There is a better way to shop for insurance coverage so we’re going to tell you the absolute fastest way to quote coverages for a new or used Mercedes-Benz and obtain the lowest possible price from local insurance agents and online providers.

Smart consumers take time to take a look at other company’s rates on a regular basis due to the fact that insurance prices tend to go up over time. Even if you think you had the best price for S-Class coverage a few years ago you can probably find a better rate now. There are a lot of ways to save on insurance coverage on the internet, but in just a couple of minutes you can learn the easiest ways to reduce your insurance coverage bill.

Locating cheaper auto insurance coverage is not that difficult. If you are insured now or are just looking to switch companies, you can use these tips to get lower rates and possibly find even better coverage. Drivers just need to learn how to compare rates on the web.

Eight things that determine your insurance prices

The best way to find cheaper car insurance is to take a look at the different types of things that play a part in calculating your premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that could help you find lower car insurance prices.

The items below are some of the most common factors companies use to determine rates.

  • Low mileage costs less – Driving more miles in a year’s time the more you’ll pay to insure it. The majority of insurers charge to insure your cars partially by how you use the vehicle. Autos not used for work or commuting get more affordable rates than those used for commuting. An improperly rated S-Class is just wasting money. Make sure your car insurance declarations sheet correctly shows the correct usage, because improper ratings can cost you money.
  • Being married can lower rates – Having a spouse may save some money when buying car insurance. Marriage may mean you are more mature than a single person and it’s statistically proven that married drivers tend to file fewer claims.
  • Use one insurance company and save – Lots of car insurance companies will give lower prices to buyers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal. Consumers may save even more even if you have your coverage with different companies.
  • Continuous car insurance coverage lowers premiums – Not having insurance is illegal and any future policy may cost more because you let your coverage have a gap. Not only will you pay more, the inability to provide proof of insurance will get you a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Gals tend to take less risk – Statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men get in auto accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like DUI and reckless driving.
  • Theft deterrents systems cut premiums – Buying a car with a theft deterrent system can help bring down rates. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
  • What’s your car’s safety rating? – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity means your insurance company pays less passed on to you as lower rates. If your Mercedes-Benz S-Class scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Premiums are affected by your credit score – An insured’s credit score is a big factor in determining premium rates. Consumers who have very good credit scores tend to be better drivers and file fewer claims than drivers with worse credit. If your credit rating can be improved, you could potentially save money when insuring your 2018 Mercedes-Benz S-Class by improving your rating.

Car insurance discounts are available to slash your rates

Auto insurance companies don’t list all possible discounts very clearly, so we researched some of the best known as well as some of the hidden discounts that may be available.

  • Bundle and Save – If you can bundle your home and auto insurance and insure them both with the same insurance company you will save over 10 percent off each policy depending on the company.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
  • Multi-car Discount – Buying a policy with more than one vehicle with the same company could earn a price break for each car.
  • E-sign Discounts – Certain larger companies will provide an incentive for completing your application on the web.
  • First Accident Forgiveness – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident before raising your premiums if you have no claims before the accident.
  • Theft Deterrent Discount – Cars that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save a little on the medical payments or PIP coverage costs.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.

Large car insurance companies and some of the premium reductions they offer include:

  • Farm Bureau includes discounts for youthful driver, driver training, good student, multi-policy, renewal discount, and multi-vehicle.
  • State Farm policyholders can earn discounts including anti-theft, multiple policy, good student, safe vehicle, defensive driving training, good driver, and driver’s education.
  • Progressive may include discounts for online quote discount, homeowner, multi-policy, online signing, multi-vehicle, and continuous coverage.
  • Allstate has savings for anti-lock brakes, good payer, safe driver, good student, and early signing.
  • Nationwide may offer discounts for family plan, accident-free, easy pay, good student, Farm Bureau membership, multi-policy, and defensive driving.
  • MetLife has discounts for defensive driver, good student, multi-policy, claim-free, accident-free, good driver

Double check with every company how you can save money. Some discounts may not apply to policyholders in your area.

Everyone needs different auto insurance coverages

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • What is no-fault insurance?
  • Why am I required to buy liability insurance?
  • Am I covered when pulling a rental trailer?
  • Can I make deliveries for my home business?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, free and you can get the answers you need.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz S-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, theft, vandalism, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

Liability coverage will cover damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like funeral expenses, structural damage, loss of income and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage protection

This pays for damage to your S-Class resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, driving through your garage door, colliding with another moving vehicle, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for nursing services, surgery, prosthetic devices, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Never pay more for less

While you’re price shopping online, never skimp on coverage in order to save money. There have been many situations where an accident victim reduced physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest cost, but do not skimp to save money.

Consumers switch companies for a variety of reasons including questionable increases in premium, being labeled a high risk driver, delays in paying claims and an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

We’ve covered a lot of techniques to lower your 2018 Mercedes-Benz S-Class insurance prices. The key concept to understand is the more rate quotes you have, the higher your chance of finding low cost auto insurance. You may even discover the biggest savings come from a small local company.

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