1992 Mercedes-Benz 600-Class Car Insurance Quotes

Searching for lower insurance coverage rates for your Mercedes-Benz 600-Class? Feel like you’re a prisoner to overpriced insurance coverage? Trust us, there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Drivers have so many car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare company pricing.

It’s smart to do rate comparisons periodically because rates change quite often. If you had the lowest rates for 600-Class coverage a few years ago there may be better deals available now. Don’t believe everything you read about insurance coverage online, so I’m going to show you some excellent ideas to find cheap insurance coverage.

Insurance Quote Comparison

There are several ways to shop for Mercedes-Benz 600-Class insurance, but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use online quotes to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and each company then gives them pricing for coverage. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The only downside to using this type of system is that you can’t choose the companies you want to price. So if you prefer to pick individual companies to request quotes from, we have assembled a list of insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare exactly the same quote information on every quote you get. If you enter higher or lower deductibles it will be very difficult to make a fair comparison for your Mercedes-Benz 600-Class. Having just a slight variation in insurance coverages can result in a big premium difference. And when price shopping your coverage, quoting more will increase your chances of finding lower pricing.

Beware of misleading insurance coverage ads

Insurance coverage companies such as Progressive, Allstate and Geico continually stream ads on TV and radio. They all seem to say the same thing that you’ll save big after switching to them. How can each company make almost identical claims?

Different companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer might be over the age of 40, a clean driving record, and has a high credit rating. A driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who fall outside the “perfect” profile will be quoted a more expensive rate and ends up with business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully advertise the savings. This emphasizes why drivers must get quotes from several different companies. It’s impossible to know which company will fit your personal profile best.

These factors can influence Mercedes-Benz 600-Class insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating your auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to lower auto insurance prices.

The list below includes some of the factors companies use to determine prices.

  • Sex matters – Statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Do you have a high stress job? – Did you know your job can affect your rates? Occupations such as judges, social workers and financial analysts are shown to have higher average rates because of stressful work requirements and long work hours. Conversely, jobs such as scientists, engineers and performers pay the least for 600-Class coverage.
  • Where do you drive? – The more miles you rack up on your Mercedes-Benz each year the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Autos that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your 600-Class can result in significantly higher rates. Verify your auto insurance policy is rated on how each vehicle is driven.
  • Bad driving skills means higher rates – Your driving record has a huge affect on how much you pay. Even a single moving violation may increase your cost by twenty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Do you have enough liability coverage? – The liability section of your policy provides coverage in the event that you are found liable for personal injury or accident damage. Liability insurance provides legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Multi-policy discounts can save money – The majority of companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to verify if the discount is saving money.

Pay less by taking advantage of discounts

Companies that sell car insurance don’t necessarily list all available discounts very well, so we researched both the well known as well as the least known discounts you could be receiving.

  • Accident Free – Claim-free drivers pay less when compared with drivers who are more careless.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Student in College – Kids in college who are attending college and don’t have a car can receive lower rates.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercedes-Benz can qualify you for better rates on cars that stay parked.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for 600-Class coverage than their less cautious counterparts.
  • Senior Discount – Older drivers may qualify for a discount up to 10% for 600-Class coverage.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurance companies with the best auto insurance discounts, click here.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out if your situation may require specific advice.

  • If my 1992 Mercedes-Benz 600-Class is totaled, can I afford another vehicle?
  • Where can I find high-risk insurance?
  • What is PIP insurance?
  • Does my personal policy cover me when driving out-of-state?
  • What can I do if my company won’t pay a claim?
  • I don’t drive much so do I pay less?
  • How high should deductibles be on a 1992 Mercedes-Benz 600-Class?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance policy coverages for a Mercedes-Benz 600-Class

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most car insurance policies.

Auto collision coverage

This covers damage to your 600-Class from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch, colliding with another moving vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mercedes-Benz 600-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverage

Liability coverage provides protection from damage that occurs to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, medical services, court costs, attorney fees and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, damage from flooding, a tree branch falling on your vehicle and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills like hospital visits, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Be a smart shopper

We just showed you some good ideas how to lower your 1992 Mercedes-Benz 600-Class insurance rates. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with the smaller companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where an insured dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.

Much more information about insurance coverage is available at the links below