Cheap 1993 Mercedes-Benz 600-Class Insurance Cost

Finding low-cost insurance for a Mercedes-Benz 600-Class can be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to compare rates for a Mercedes-Benz and obtain the best price possible.

If you have insurance now or need a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Finding more affordable car insurance coverage is easy if you know what you’re doing. Consumers only need an understanding of the proper way to compare prices online.

Finding insurance coverage

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the most efficient way to do it. You could waste time talking to insurance agencies in your area, or you can utilize online quoting to get pricing more quickly.

Many insurance companies enroll in a system that allows shoppers to enter their policy data once, and each participating company returns a rated price. This system prevents you from having to do quote requests to each individual insurance coverage company.

To find out what other companies charge click to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which companies to get pricing from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure to compare equivalent information on every price quote you get. If you use unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best.

Auto insurance companies offer lots of discounts

Companies do not list every possible discount in a way that’s easy to find, so the following is a list of some of the more common as well as the least known discounts that you may qualify for.

  • Government Employee Discount – Active or retired federal employment can save as much as 8% on 600-Class insurance with certain companies.
  • Clubs and Organizations – Being in specific professional or occupational memberships or organizations could earn you a nice discount on auto insurance.
  • Safety Course Discount – Taking time to complete a defensive driving class is a good idea and can lower rates and make you a better driver.
  • Lower Rates for Military – Having a family member in the military could trigger a small discount.
  • Good Drivers – Accident-free drivers can save up to 40% or more on their car insurance quote on 600-Class insurance than drivers with accidents.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, that’s just not realistic.

To locate auto insurance companies that offer multiple discounts, follow this link.

Get more affordable insurance costs by understanding these factors

Many different elements are considered when pricing auto insurance. Most are fairly basic such as your driving record, but others are less obvious such as your marital status or your commute time.

The list below includes some of the factors used by insurance companies to determine your premiums.

  • Is your vehicle theft-ready? – Driving a car that has a built-in theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
  • Don’t skimp on liability coverage – The liability coverage on your policy will afford coverage in the event that you are found liable for physical damage or personal injury to other. Your liability coverage provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Combine policies and save – Lots of companies apply discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even fifteen percent. Even though this discount sounds good, drivers will still want to compare rates to help guarantee you have the best rates.There is a good possibility that you can find lower rates even if you have your coverage with different companies
  • Gender as a rate factor – Statistics demonstrate that females tend to be a little less risky than males. However, this does not mean females are better at driving than males. Females and males get in fender benders in similar percentages, but the males cause more damage and cost insurance companies more money. Men also statistically get higher numbers of serious violations like driving under the influence (DUI).
  • Credit history impacts costs – An insured’s credit history can be a huge factor in determining premium rates. So if your credit history leaves room for improvement, you could pay less to insure your 1993 Mercedes-Benz 600-Class by repairing your credit. People with excellent credit scores tend to be better risks to insure than drivers who have lower credit scores.
  • You might get higher prices if you are single – Being married actually saves money compared to being single. Marriage means you’re more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Avoid car insurance lapses – Allowing your coverage to lapse can be a sure-fire way to increase your renewal premiums. In addition to paying higher rates, failure to provide proof of insurance may earn you a revoked license or a big fine.

Do I just need basic coverages?

When choosing coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • Does my policy cover me when driving someone else’s vehicle?
  • If I drive on a suspended license am I covered?
  • What can I do if my company denied a claim?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I break a side mirror?
  • I don’t drive much so do I pay less?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my trailer covered?
  • How does medical payments coverage work?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a tree branch falling on your vehicle, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Auto collision coverage

This covers damage to your 600-Class caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as pain medications, dental work, ambulance fees and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, pain and suffering and loss of income. How much coverage you buy is your choice, but buy as much as you can afford.

Best coverage at the best price

Drivers change insurance companies for many reasons like extreme rates for teen drivers, delays in responding to claim requests, policy cancellation or even unfair underwriting practices. Whatever your reason, choosing a new company can be less work than you think.

As you quote car insurance, do not buy poor coverage just to save money. In too many instances, drivers have reduced liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best cost while still protecting your assets.

We just showed you quite a bit of information on how to save on 1993 Mercedes-Benz 600-Class insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with a small local company.

Additional resources

Comments About 1993 Mercedes-Benz 600-Class Insurance

  1. Kirstie Oneill

    Will State Farm raise rates after an accident?

  2. Anita Caldwell

    I can’t pay high rates. I’m just north of New Haven, CT. I got free quotes with Allstate, The General, and Farmers for my 600-Class and saved just over $60 a year. I’m a pretty low risk driver. Still almost need a second mortgage.

  3. Danny Mitchell

    Anyone compare Progressive and Allstate rates in Baltimore, MD?

  4. Manda Wilson

    State Farm is cheapest in Idaho! :)

  5. Rosamaria Berger

    Here’s my info. I’m from Bellevue, NE. Went online for free insurance quotes for a 1993 Mercedes-Benz 600-Class. Ended up at about $90 savings annually. Went with Allstate. Insured with GEICO before. I’m a pretty low risk driver.

  6. Rosaura Pitts

    Cheap is relative. I live in Rio Rancho, NM. I compared lots of rates. Saved roughly $20 a month. Allstate was the cheapest option for me. Was with Farmers. Moved home policy as well. Still almost need a second mortgage. Not worth enough to pay for comprehensive and collision.

  7. Lorene Ball

    From a town just southwest of Portland, Oregon. Got car insurance rates from State Farm, Hartford, and Eastwood for my 600-Class and saved $64 a year. Was with Liberty Mutual. My 600-Class doesn’t have full coverage.

  8. Stefan Benjamin

    For me, Progressive was by far the cheapest in Rutland, Vermont.

  9. Georgia Witt

    It all costs too much. Got a quote with Sentry for my 1993 Mercedes-Benz 600-Class and cut my rates about $60 a year. :)

  10. Joann Hensley

    Nice post. Located in Warren, MI. Compared rates from a lot of places. Saved about $30 a month. 21st Century was the cheapest for me. Insured with Encompass before. They have a lot of discounts available. It was easy to get rates.

  11. Edwin Mccullough

    I’m in Bismarck, ND. I got free prices from Progressive, Auto-Owners, and Encompass for my Mercedes-Benz and saved $94 a year. Have a couple speeding tickets too.

  12. Sierra Gentry

    If you have a good history and live near Providence, RI, check out Progressive. They seem to be cheaper. I get multi-vehicle and multi-policy discounts. :P

  13. Herta Rhodes

    I got a good deal I think. I live just outside Eugene, OR. Received quotes from Auto-Owners, Esurance, and MetLife for my 1993 Mercedes-Benz 600-Class and I think I am saving around $20 each month. Insured with GMAC before. Hardly afford to drive anymore.

  14. Danae George

    Live in the western part of Newark, New Jersey. Not sure of all the companies but I ended up saving about $10 each month. Not sure if rates are cheaper online or through an agent. Full coverage costs too much.

  15. Vena Knight

    If you don’t have tickets and live in the vicinity of Eugene, OR, check out GEICO. They seem to be cheaper. Hardly afford to drive anymore.