Cheaper 2006 Mercedes-Benz S-Class Car Insurance Rates

Looking for cheaper insurance coverage rates for your Mercedes-Benz S-Class? Finding cheaper insurance for your Mercedes-Benz S-Class could be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the best way to quote coverages for a new or used Mercedes-Benz and find the lowest possible price.

Consumers need to price shop coverage yearly since prices tend to go up over time. Just because you had the lowest price for S-Class coverage a year ago you can probably find a lower rate today. You can find a lot of information about insurance coverage on the web, but you can learn some great ideas on how to reduce your insurance coverage bill.

Locating affordable protection is quite easy. If you have a policy now or need new coverage, you can use these techniques to get lower rates and still get good coverage. Consumers only need to know the best way to compare price quotes on the web.

The quickest way to compare policy rates takes advantage of the fact most of the larger companies have advanced systems to give free rates quotes. To begin a comparison, all you need to do is give them some information like which vehicles you own, whether you are married, how many miles driven, and if you went to college. The rating information is instantly sent to many highly-rated insurers and they return quotes almost instantly.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can help discover if your situation would benefit from professional advice.

  • Is my custom paint covered by insurance?
  • Does liability extend to a camper or trailer?
  • Do all my vehicles need collision coverage?
  • How does medical payments coverage work?
  • What should my uninsured motorist coverage limits be in my state?
  • Does coverage extend to Mexico or Canada?
  • If my pet gets injured in an accident are they covered?
  • How much liability insurance is required?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverage considerations

Understanding the coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hitting a bird and damage from flooding. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance covers damage to your S-Class from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability coverages

This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, attorney fees and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like dental work, EMT expenses, hospital visits, pain medications and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

This provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Comments About 2006 Mercedes-Benz S-Class Insurance

  1. Julio Mullins

    From northwest of Newark, DE. Got car insurance prices from 21st Century, American Family, and some I forget for my S-Class and saved $441 a year.

  2. Faustina Grant

    Will State Farm raise rates for a rock chip claim?

  3. Jerry Harrell

    Cheaper not always better. Lifelong resident of Birmingham, AL. Received rates from Allstate, Auto-Owners, and Erie for my S-Class and am saving around $420 a year. I have a teen driver too. They were helpful in switching over.

  4. Elicia Freeman

    FYI in Shreveport, Louisiana try Allstate. I got a good deal.

  5. Alpha Nelson

    Here’s my info. I live just outside San Jose, California. I got free quotes from AAA, Safeco, and Western Auto Insurance for my Mercedes-Benz and am saving around $120 a year. Insured with Nationwide before. Get lots of quotes to find the best rate.

  6. Cristin Cameron

    Will 21st Century insure with a DUI in Seattle, WA?

  7. Terresa Mclaughlin

    If you don’t have tickets and live near Saint Paul, MN, check out Allstate. They seem to be cheaper. I’m a pretty good driver though. Not sure if rates are cheaper online or not.

  8. Estela Hyde

    In Augusta, GA, AAA had the best rates for my 2006 Mercedes-Benz S-Class.

  9. Carin Guthrie

    I’m in Bangor, ME, and Allstate rates were affordable.

  10. Luigi Decker

    I live on the east side of Cedar Rapids, Iowa. Got quotes from GEICO, AAA, and Eastwood for my 2006 Mercedes-Benz S-Class and saved just over $270 a year.

  11. Talia Ortiz

    Here’s my info. From Missoula, MT. Can’t remember who all I quoted but I ended up saving about $50 each month.

  12. Ignacio Hebert

    I’ve bought from Allstate forever. Cheapest rates in Aberdeen, South Dakota.

  13. Dania Bright

    Nice info. Located in Evansville, IN. Quoted prices online for a 2006 Mercedes-Benz S-Class. Ended up at about $300 savings annually. Went with 21st Century. Insured with MetLife before.

  14. Viki Mitchell

    I found pretty cheap rate quotes for a 2006 Mercedes-Benz S-Class in North Charleston, SC. Ended up at right around $280 every six months with Auto-Owners. Insured with Nationwide before. Good savings if you bundle. Not sure if rates are cheaper online or not.

  15. Shon Hewitt

    Where is cheaper car insurance? I live on the east side of Madison, WI. Received rates from GEICO, Hanover, and Erie for my 2006 Mercedes-Benz S-Class and I think I saved about $60 each month.

  16. Margareta Bartlett

    Just my two cents. I’m in the south part of Nashua, NH. I don’t recall every quote but I ended up saving about $60 each month.