Searching for low-cost insurance for a new or used Mercedes-Benz S600 can turn out to be a lot of work, but you can learn these tips to save time.
There are more efficient ways to compare auto insurance rates so we’re going to tell you the quickest way to compare rates for a Mercedes-Benz and locate the lowest possible price from both online companies and local agents.
Auto insurance policy discounts
Auto insurance is not an enjoyable expense, but discounts can save money and there are some available that can drop the cost substantially. Many discounts should be triggered at the time you complete a quote, but some need to be manually applied before you get the savings.
- Auto/Life Discount – Insurance companies who offer life insurance give a break if you buy a life insurance policy as well.
- Theft Deterent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen so companies will give you a small discount.
- Multiple Vehicles – Buying a policy with multiple cars with the same company qualifies for this discount.
- Air Bags and Passive Restraints – Vehicles equipped with air bags may qualify for discounts of more than 20%.
- Defensive Driving Course – Taking part in a driver safety class can save you 5% or more and also improve your driving technique.
- Senior Discount – If you qualify as a senior citizen, you can get a discount up to 10% on S600 coverage.
- Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
- Telematics Data – People who choose to allow driving data collection to look at when and where they use their vehicle by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
Consumers should know that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.
Some companies who may offer these discounts possibly include:
Check with each insurance company to give you their best rates. Depending on the company, some discounts may not be available in your area. To choose insurers that can offer you the previously mentioned discounts, click here to view.
Informed Consumers Know How to Find Auto Insurance for Less
Lots of things are used when pricing auto insurance. Most are fairly basic such as traffic violations, although others are less obvious such as whether you are married or how safe your car is. 
- Location can affect price – Being located in a rural area has it’s advantages when talking about auto insurance. Fewer people translates into fewer accidents. Drivers who live in large cities have to deal with congested traffic and more time behind the wheel. More time commuting can result in more accidents.
- How’s your driving record? – A bad driving record has a huge affect on how much you pay. Even one driving citation can boost insurance rates to the point where it’s not affordable. Drivers who don’t get tickets receive lower rates as compared to those with violations. Drivers unfortunate enough to have flagrant citations like reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
- Women tend to be lower risk – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. Males and females are in auto accidents at a similar rate, but the men tend to have higher claims. Men also get ticketed for serious violations like DUI and reckless driving. Young males generally have the highest accident percentage and therefore are the most expensive to insure.
- Do you really need roadside assistance? – Insurance companies have many extra bells and whistles you can purchase but may not be useful. Coverages like replacement cost coverage, towing coverage, and extra life insurance coverage are probably not needed. You may think they are a good idea when buying your policy, but if you have no use for them remove them from your policy.
- Cheaper rates by consolidating – The majority of insurers afford lower prices to customers that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you already get this discount, drivers will still want to comparison shop to help ensure you have the lowest rates.
- Liability coverage – Your auto insurance policy’s liability coverage will protect you when you are found to be at fault for an accident. Liability insurance provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not cut corners here.
- Small frequent auto insurance claims are not good – If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies award the lowest premiums to drivers who file claims infrequently. Auto insurance is intended for larger claims.
- Good credit means lower rates – Having a bad credit score will be a significant factor in determining premium rates. Consumers who have very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with bad credit. Therefore, if your credit rating can use some improvement, you could pay less to insure your Mercedes-Benz S600 if you clean up your credit.
How do I know if I need professional advice?
When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.
These are some specific questions may help you determine whether you will benefit from professional help.
- Do all my vehicles need collision coverage?
- Do I have coverage when making deliveries for my home business?
- Do I need PIP (personal injury protection) coverage in my state?
- Is my vehicle covered by my employer’s policy when using it for work?
- Why is insurance for a teen driver so high?
- Am I covered when driving in Canada or Mexico?
If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.
Switch companies and save? Really?
Consumers can’t get away from ads for auto insurance savings from the likes of Allstate, GEICO and Progressive. They all seem to advertise the message that you can save just by moving your policy.
How does each company give you a better price? This is the trick they use.
Different companies quote their best rates for the type of customer that is profitable for them. One example of a profitable customer may need to be a female over age 40, has never had a claim, and has excellent credit. Any customer who matches that profile receives the best car insurance rates and will also cut their rates if they switch.
Consumers who do not meet those criteria will be quoted a higher rate with the end result being the customer buying from a different company. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” save the amount stated. That’s the way companies can truthfully claim big savings.
This really illustrates why you really need to compare often. You cannot predict which company will have the best prices at this point in time.
Summing up your auto insurance search
Cheap Mercedes-Benz S600 insurance can be found both online and from local insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not provide the ability to get quotes online and many times these smaller companies provide coverage only through local independent agents.
Insureds change insurance companies for a number of reasons such as policy cancellation, delays in responding to claim requests, policy non-renewal and delays in paying claims. Whatever your reason, switching companies can be pretty painless.
We just covered many tips how you can shop for Mercedes-Benz S600 insurance online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with a smaller regional carrier.
