Cheapest 2006 Mercedes-Benz S-Class Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Buyers have a choice when searching for low-cost Mercedes-Benz S-Class insurance. They can either spend hours contacting agents to compare prices or use the internet to compare rates.
There are both good and bad ways to shop for car insurance so we’re going to tell you the quickest way to get price quotes on a Mercedes-Benz and find the lowest price either online or from local insurance agents.
The quickest way to compare insurance rates in your area is to know the trick most larger insurance companies participate in online systems to provide you with free rate quotes. All consumers are required to do is spend a couple of minutes providing details like whether your vehicle is owned or leased, how much coverage you want, whether or not you need a SR-22, and driver ages. Your insurance information gets sent immediately to insurance companies and they return cost estimate quickly.
To find lower rates now, click here and enter your zip code.
Save money by taking advantage of these discounts
Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be inquired about before you will receive the discount. If you’re not getting every credit you qualify for, you’re paying more than you need to.
- Paperwork-free – A few companies will give a small break simply for signing on their website.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
- Memberships – Participating in a qualifying organization is a good way to get lower rates when buying insurance for S-Class coverage.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Safety Course Discount – Completing a course in driver safety could save 5% or more if you qualify.
- Senior Discount – If you qualify as a senior citizen, you may qualify for better insurance rates for S-Class coverage.
- Auto/Life Discount – Larger companies have a break if you buy life insurance from them.
- Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
- No Accidents – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
Drivers should understand that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will cut the amount you have to pay.
For a list of insurers who offer insurance discounts, click here.
Why your Mercedes-Benz S-Class might be costing you more
Smart consumers have a good feel for some of the elements 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.
- More miles equals more premium – The more you drive each year the higher your rate. Most companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance policy properly reflects the correct driver usage, because it can save money. If your policy improperly rates your S-Class can result in significantly higher rates.
- Do you know you’re credit rating? – A driver’s credit rating is a important factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit can use some improvement, you could save money insuring your 2006 Mercedes-Benz S-Class by repairing your credit.
- Do you know your deductibles? – Your deductibles define the amount you are required to spend in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more money the insured has to pay upfront, the less your auto insurance will be for S-Class coverage.
- Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, social workers and stock brokers are shown to have the highest rates due to high stress and lots of time spent at work. On the other hand, occupations like actors, students and performers pay the least for S-Class coverage.
- Marriage brings a discount – Having a wife or husband actually saves money on auto insurance. It is viewed as being more responsible and it’s statistically proven that drivers who are married are more cautious.
- Allowing your policy to lapse raises rates – Not having insurance is against the law and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
- Policy add-ons can waste money – There are quite a few additional coverages that you can get tricked into buying on your auto insurance policy. Things like roadside assistance, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea initially, but now you might not need them so remove them from your policy.
- Keep rates low by being claim-free – Car insurance companies give better rates to drivers who are claim-free. If you file claims often, you can expect higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
When should I use an insurance agent?
When buying the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different.
For example, these questions can aid in determining if you might need an agent’s assistance.
- Am I covered if I break a side mirror?
- Is business equipment covered while in my vehicle?
- Why am I be forced to buy a membership to get insurance from some companies?
- Why am I required to buy liability insurance?
- Can I rent a car in Mexico?
- How can I force my company to pay a claim?
- Which companies will insure high-risk drivers?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.
Auto insurance coverages
Learning about specific coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as hitting a parking meter, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Comprehensive insurance – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims like vandalism, damage from getting keyed, damage from a tornado or hurricane, hitting a deer and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for bills for things like prosthetic devices, rehabilitation expenses, EMT expenses, pain medications and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mercedes-Benz S-Class.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Liability auto insurance – Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as emergency aid, bail bonds and structural damage. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.
Be Smart and Buy Smart
You just learned a lot of ways to lower your 2006 Mercedes-Benz S-Class insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the most savings is with the least-expected company.
People leave their current company for a variety of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, not issuing a premium refund and policy cancellation. Whatever your reason, switching car insurance companies is easier than you think.
Cost effective insurance is attainable on the web as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and these small insurance companies work with independent agents.
To read more, link through to the resources below:
- Top Signs Your Brakes are Giving Out (State Farm)
- Coverage Information (Progressive Insurance)
- Information for Teen Drivers (GEICO)
- Credit and Insurance Scores (Insurance Information Insitute)
- Side Impact Crash Tests (iihs.org)
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