Discover How to Get Lower Rates on Mercedes-Benz S450 Insurance

Are you tired of robbing Peter to pay Paul to insure your Mercedes-Benz every month? Your situation is no different than many other drivers. Online insurance companies like State Farm and GEICO promote their brand names with catchy ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.

How much can you save with discounts?

Car insurance is not cheap, but there are discounts available that you may not even be aware of. Most are applied when you get a quote, but some may not be applied and must be specially asked for before being credited. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on S450 insurance with a few car insurance companies.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on S450 insurance.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.

Drivers should understand that most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will bring down your premiums.

For a list of insurers with the best car insurance discounts, follow this link.

Why you might be paying too much to insure your Mercedes-Benz S450

An important part of buying insurance is that you know the factors that help determine car insurance rates. Knowing what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

  • Better credit means lower rates – Having a bad credit history is a big factor in determining what you pay for car insurance. So if your credit history is not that good, you could potentially save money when insuring your Mercedes-Benz S450 by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Older drivers pay less – More mature drivers tend to be more responsible, file fewer claims and get fewer tickets. Teen drivers are known to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.
  • Little extras can really add up – There are a lot of add-on coverages that you can buy when buying car insurance. Things like personal injury protection, towing coverage and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Big city or small town – Being located in a small town is a positive aspect when buying car insurance. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities tend to have more traffic problems and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and therefore have the most expensive car insurance rates.

When might I need an agent?

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help you determine if your situation might need professional guidance. car insurance quote

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is pleasure use cheaper than using my Mercedes-Benz S450 to commute?
  • Is my nanny covered when driving my vehicle?
  • Is my custom paint covered by insurance?
  • Am I covered when driving a rental car?
  • How much liability coverage do I need in my state?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

What about my local agents?

A small number of people prefer to talk to a local agent and there is nothing wrong with that. Insurance agents can help determine the best coverages and help you file claims. The best thing about comparing rates online is you may find the lowest rates and still have an agent to talk to. Supporting small agencies is especially important in smaller communities.

For easy comparison, once you complete this simple form, your coverage information gets sent to participating agents who will return price quotes for your coverage. There is no reason to leave your computer as quotes are delivered straight to your inbox. How cool is that?!

If you wish to contact a specific insurance agent in your state, click here.

Picking an provider needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:

compare Mercedes-Benz S450 insurance prices

  • If they are an independent agency, which companies do they recommend?
  • Do they review policy coverages at every renewal?
  • Is assistance available after office hours?
  • If you are a high risk driver, do they have special markets for your coverage?
  • What are the financial ratings for the companies they represent?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • What insurance companies do they work with?

After getting reasonable responses to these questions and an affordable coverage quote, you’ve probably found a company that can provide car insurance coverage.

Smart shoppers get results

Throughout this article, we presented quite a bit of information on how to shop for Mercedes-Benz S450 insurance online. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the biggest savings come from a small local company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Low-cost Mercedes-Benz S450 insurance is available from both online companies as well as from independent agents in your state, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.