Step-by-step Guide to Cheaper Mercedes-Benz 600SEC Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But more than likely, it's challenging for most people and we always end up paying more than we want. Cutting the check for each renewal on your Mercedes-Benz 600SEC might give you the same feeling.
Step One: Insurance Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Not anymore!
You can compare insurance rates for a Mercedes-Benz 600SEC simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your 600SEC is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Cut Costs on 600SEC Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your 600SEC insurance rates.
- If you need the extra performance that your Mercedes-Benz 600SEC gives you, then you'll have to pay extra to insure it. Higher performance cars tend to be more expensive to insure.
- How is your credit rating? The better credit you have, the less insurance will cost for your 600SEC. If you have bad credit, work on improving your credit score and repair past credit problems.
- The 600SEC would be considered a luxury vehicle, and repair costs are generally higher for more expensive vehicles. This increased cost is passed on to you through a higher insurance cost.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- 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.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- Most Mercedes-Benz vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
Step Three: Finalize your Policy Details
You've compared rates and hopefully looked over the coverages for each vehicle on your policy to make sure they're adequate. Now you can make the big decision on which company will best fulfill your needs.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
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. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new 600SEC.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
For more detailed car insurance topics, visit the Insurance Information Institute.
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