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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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
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.
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.
Kirstie Oneill
Will State Farm raise rates after an accident?
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.
Danny Mitchell
Anyone compare Progressive and Allstate rates in Baltimore, MD?
Manda Wilson
State Farm is cheapest in Idaho! :)
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.
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.
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.
Stefan Benjamin
For me, Progressive was by far the cheapest in Rutland, Vermont.
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. :)
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.
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.
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
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.
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.
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.