View 2006 Mercedes-Benz S-Class Insurance Quotes

Searching for lower insurance rates? Consumers have a choice when looking for the lowest priced Mercedes-Benz S-Class insurance. You can either waste hours struggling with agents trying to get quotes or use the internet to find the lowest rates. There are both good and bad ways to buy insurance so you’re going to learn the best way to compare rates for your Mercedes-Benz and find the cheapest rates either online or from local insurance agents.

It’s a great practice to get comparison quotes at least once a year due to the fact that insurance rates change quite often. Just because you found the lowest rates on S-Class insurance two years ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out the tricks you need to know to properly buy coverages while reducing your premium.

Lots of discounts mean lots of savings

Car insurance companies don’t necessarily list every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Resident Student – Children who live away from home and don’t have a car can receive lower rates.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on your policy on S-Class insurance.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Good Student – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Car insurance companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

How to Get Cheap Insurance

Finding a lower price on 2006 Mercedes-Benz S-Class insurance is not a difficult process. All you need to do is spend a little time comparing rate quotes online from several insurance companies. This can be accomplished in several different ways.

  • One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do separate quotation requests for each company you want a rate for. In just a few minutes this one form will return price quotes from all major companies. It’s the fastest way to compare.
  • A more difficult way to obtain and compare quotes online consists of visiting the website of each company to request a price quote. For example, let’s assume you want to compare rates from Nationwide, Allstate and Farmers. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

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

It’s up to you which method you use, but compare apples-to-apples coverages and limits for each comparison quote. If you compare unequal deductibles or liability limits it’s not possible to determine which rate is truly the best.

Situations that might require an agent

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your insurance needs might need professional guidance.

  • Does my insurance cover my expensive audio equipment?
  • Is my state a no-fault state?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I find high-risk insurance?
  • Does coverage extend to my business vehicle?
  • Will my insurance pay for OEM parts?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Specific coverage details

Knowing the specifics of car insurance helps when choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, damage from a tornado or hurricane and theft. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your S-Class resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, crashing into a building, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as X-ray expenses, doctor visits, prosthetic devices and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2006 Mercedes-Benz S-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance – Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things like medical services, legal defense fees, medical expenses, repair costs for stationary objects and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

And the best car insurance company is…

Insureds leave their current company for many reasons like poor customer service, extreme rates for teen drivers, delays in paying claims and questionable increases in premium. Regardless of your reason, choosing a new company can be less work than you think.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.

Cheaper 2006 Mercedes-Benz S-Class insurance is possible online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

More detailed auto insurance information can be found by following these links: