Five Minutes to Cheaper Mercedes-Benz S600 Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Finding affordable insurance for your Mercedes-Benz S600 is probably the same story.
Step One: Insurance Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Not anymore!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Mercedes-Benz S600 without even visiting their websites!
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Use the Same Coverages! It's really important that when doing multiple quotes for your S600 that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: Tried and True Ways to Save on S600 Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your S600 insurance rates.
- Vehicles that are considered high performance will have a higher insurance price tag that your average family sedan. The Mercedes-Benz S600 is no exception.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- When repairing accident damage on luxury vehicles, body shops charge more because the replacement parts are more expensive. Everything from a fender to a tail light will cost more to replace so your insurance rates will be higher as well.
- How is your credit rating? The better credit you have, the less insurance will cost for your S600. If you have bad credit, work on improving your credit score and repair past credit problems.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- If your S600 ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- If you're a young driver, you will pay more to insure a S600. There isn't anything you can do about your age, but rates will drop as you mature.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
Step Three: Finalize your Car Insurance Policy
Knowing which company to insure your S600 with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Mercedes-Benz added prior to the expiration of this grace period. Be sure to have a new policy ready to go if you are buying a new S600. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.
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