Having to pay for overpriced Mercedes-Benz 600SEL insurance can empty your savings account, especially in this economy. Comparison shopping is a great way to tighten up your finances. There is such a variety of insurers to pick from, and although it’s nice to have multiple companies, it can be more challenging to adequately compare rates.
It is always a good idea to do rate comparisons before your policy renews since insurance rates change frequently. Just because you had the best price on 600SEL insurance a year ago there may be better deals available now. So just ignore everything you know about car insurance because we’re going to show you the fastest and easiest way to save on car insurance.
Finding affordable coverage is quite easy. If you have a current car insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Drivers just need to know the tricks to find the lowest price over the internet.
Do you qualify for discounts?
Companies offering auto insurance don’t list every available discount very well, so we took the time to find some of the more common and the harder-to-find car insurance savings. If you don’t get every credit you qualify for, you are paying more than you should be.
- Memberships – Participating in a professional or civic organization may earn a discount on car insurance on 600SEL insurance.
- Defensive Driving Course – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
- College Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
- Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current policy expires. It’s a savings of about 10%.
- Multiple Policy Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
- Service Members Pay Less – Being deployed with a military unit can result in better rates.
- Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
- Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- No Accidents – Claim-free drivers pay less as compared to bad drivers.
A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.
For a list of insurance companies with the best car insurance discounts, click here to view.
Don’t assume everyone needs the same coverage
When it comes to buying adequate coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs may require specific advice.
- Do I need added coverage for expensive stereo equipment?
- Is my Mercedes-Benz 600SEL covered for smoke damage?
- Am I covered when driving someone else’s vehicle?
- What is the difference between comprehensive and collision coverage?
- Do I get a pro-rated refund if I cancel my policy early?
- Is borrowed equipment or tools covered if stolen or damaged?
- What companies insure drivers after a DUI or DWI?
- Is there coverage for injuries to my pets?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Is there deception in advertising?
Consumers constantly see and hear ads for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you’ll save big if you switch your coverage to them.
How does each company make almost identical claims?
Insurance companies have a certain “appetite” for the right customer that is profitable for them. A good example of a profitable customer might be profiled as over the age of 50, has no tickets, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.
Potential customers who are not a match for these standards will be charged higher premiums which usually ends up with the customer not buying. The ads say “customers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can make those claims. That is why it’s extremely important to quote coverage with many companies. Because you never know the company that will have the lowest rates.
One last thing about your coverage
When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In many cases, someone dropped liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at the best price.
Lower-priced Mercedes-Benz 600SEL insurance can be found from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
In this article, we covered many tips how you can shop for Mercedes-Benz 600SEL insurance online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.
