Proven Techniques to Lowering Your Mercedes-Benz 600SL Insurance Rates

Sick and tired of paying out the nose to insure your Mercedes-Benz every month? You’re in the same situation as the majority of other car owners.

There is such a variety of insurance companies to choose from, and although it’s a good thing to have a choice, it makes it harder to locate the cheapest rates.

It is always a good idea to compare rates before your policy renews since insurance rates change regularly. Even if you got the lowest price on 600SL insurance a couple years back there may be better deals available now. So ignore everything you know about auto insurance because we’re going to show you one of the best ways to save on auto insurance.

Finding the best rates is not that difficult. Just about anyone who is required by state law to have auto insurance should be able to lower their premiums. Nevertheless, vehicle owners must understand how big insurance companies price online insurance and use this information to your advantage.

Are you getting all your discounts?

Companies that sell car insurance do not list every discount very well, so we break down both the well known as well as the least known ways to save on auto insurance.

• Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
• Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on 600SL insurance than drivers with accident claims.
• College Student – Kids in college living away from home attending college and don’t have a car may be able to be covered for less.
• Sign Early and Save – A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
• Fewer Miles Equal More Savings – Driving fewer miles can qualify you for a substantially lower rate.
• Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
• New Car Discount – Insuring a new car can save up to 30% since new cars are generally safer.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurers offering auto insurance discounts, follow this link.

Free Quotes for Auto Insurance

When shopping for auto insurance there are multiple ways of comparing rates and find the best price. One of the best ways to compare insurance prices involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

• The recommended way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. Taking the time to complete one form gets you price quotes instantly.
• A harder way to analyze rates requires visiting each company website to request a price quote. For examples sake, we’ll assume you want to compare rates from Nationwide, State Farm and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

  For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverage limits and deductibles for each comparison quote. If you enter different values for each quote then you won’t be able to determine the lowest rate for your Mercedes-Benz 600SL. Quoting even small variations in coverage limits may result in a large different in cost. Keep in mind that more quotes gives you a better chance of getting lower pricing.

When might I need an agent?

When it comes to buying coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need PIP coverage since I have good health insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered when driving on a suspended license?
• Does my policy cover me when driving someone else’s vehicle?
• Can I afford low physical damage deductibles?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Buy online or local, you save

You just read a lot of ways to get a better price on Mercedes-Benz 600SL insurance. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a lesser-known regional company. They may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

As you prepare to switch companies, never reduce needed coverages to save money. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.