Buy Mercedes-Benz S63 AMG Insurance for Less Than You Pay Now

Trying to find the cheapest insurance for a Mercedes-Benz S63 AMG can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find auto insurance online and you need to know the best way to price shop coverage for a Mercedes-Benz and obtain the cheapest rates from both online companies and local agents.

If you have insurance now or are looking for a new policy, you can learn to cut your premiums and possibly find even better coverage. Pricing the lowest cost auto insurance coverage is easy if you know what you’re doing. Vehicle owners just need to learn the most effective way to get comparison quotes online.

Automobile Insurance Quotes

Getting a cheaper price on insurance is not rocket science. Consumers just need to spend a little time comparing rates online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

1. The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This form saves time by eliminating multiple quote forms for every auto insurance company. A single, simple form compares rates from many national carriers.It’s the quickest way to get rates.
2. A slightly less efficient method to analyze rates is to take the time to go to the website for every company you want to comare to request a price quote. For sake of this example, let’s assume you want to compare Nationwide, Farmers and Liberty Mutual. To find out each rate you need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

Whichever method you choose, make sure you use the exact same quote information on every quote. If you compare higher or lower deductibles you can’t possibly determine which rate is truly the best.

Mercedes-Benz S63 AMG rate determination is complex

An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that can help you get big savings.

• Women pay lower rates – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. They both cause accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as DWI and reckless driving.
• Do you have enough liability coverage? – Your policy’s liability coverage will protect you in the event that a court rules you are at fault for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Multiple policies with one company can save – Many auto insurance companies provide better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to verify if the discount is saving money.
• What are your deductibles? – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Mercedes-Benz. A few examples of covered claims could be running into the backend of another car, collision with an animal, and rolling your vehicle. Your deductibles are how much you are willing to pay in the event of a claim. The more money you have to pay, the lower your rates will be for S63 AMG insurance.
• Your age impacts your rates – Older drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers have a tendency to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
• Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Mercedes-Benz S63 AMG earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

These discounts can lower your rates

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so we researched both the well known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.

• Save over 55 – Older drivers may qualify for a small decrease in premiums for S63 AMG insurance.
• Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
• Accident Forgiveness – Some insurance companies permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.
• Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
• Air Bag Discount – Vehicles with factory air bags can receive discounts up to 30%.
• Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Military Rewards – Having a deployed family member could be rewarded with lower premiums.
• Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
• Memberships – Belonging to a qualifying organization is a good way to get lower rates when shopping for auto insurance for S63 AMG insurance.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

To see a list of insurance companies offering auto insurance discounts, click this link.

One last thing

Affordable Mercedes-Benz S63 AMG insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer online quoting and these small, regional companies work with independent agents.

We’ve covered a lot of tips how to get a better price on Mercedes-Benz S63 AMG insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small mutual company.

Drivers leave their current company for any number of reasons including being labeled a high risk driver, policy non-renewal, high prices and unfair underwriting practices. It doesn’t matter what your reason, switching companies is not as hard as you think.