Lower Your 2006 Mercedes-Benz C-Class Insurance Quotes

Looking for the cheapest insurance rates for your Mercedes-Benz C-Class? Finding low cost rates on insurance is nearly impossible for beginners to shopping for insurance online. Drivers have so many companies to choose from that it can easily turn into hard work to locate the lowest price.

You should take the time to shop coverage around on a regular basis because prices trend upward over time. Just because you had the best price on C-Class insurance six months ago you will most likely find a better rate today. Don’t believe everything you read about insurance on the web, but we’re going to give you some great ideas on how to lower your insurance rates.

Do you qualify for discount auto insurance?

The price of auto insurance can be rather high, but there could be significant discounts that you may not know about. Some discounts apply automatically at quote time, but some must be asked for before you will receive the discount.

  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings on your next auto insurance statement.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Accident Free – Drivers with accident-free driving histories have much lower rates compared to frequent claim filers.
  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Discount for New Cars – Putting auto insurance coverage on a new car can cost up to 25% less because newer vehicles are generally safer.
  • Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off on C-Class insurance depending on your company.
  • Smart Student Discounts – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Payment Method – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
  • Defensive Driver Discount – Taking a class that teaches defensive driving techniques is a good idea and can lower rates if you qualify.

A quick disclaimer, most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. Even though the math looks like you could get a free auto insurance policy, it’s just not the way it works.

Auto insurance companies that may have most of these discounts include:

If you are trying to find cheap insurance quotes, ask all the companies the best way to save money. Some discounts listed above may not apply to policyholders in your area. To locate auto insurance companies that provide some of the discounts listed above, click here to view.

How to get insurance quotes

All major insurance companies such as State Farm and Allstate allow consumers to get coverage price quotes on the web. Getting online quotes doesn’t take much effort as you simply type in your required coverages into the form. After you submit the form their system requests information on your driving record and credit history and quotes a price based on many factors.

Online price estimates makes it easy to compare insurance prices but the time required to go to a lot of sites and type in your information is a big time waster. But it’s necessary to perform this step if you are searching for better insurance pricing.

Keep reading for an easier way to compare prices

The smarter way to compare insurance pricing uses one simple form to get prices from several different companies. It’s a real time-saver, eliminates repetitive work, and makes online quotes much simpler. Once the form is submitted, it is rated and you can select any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To compare rates using this form now, click here to open in new window and enter your information. To compare your current rates, we recommend you enter the coverage information as shown on your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison using the same coverage and limits.

Get Mercedes-Benz C-Class insurance for less

Lots of things are considered when you quote your car insurance policy. Some are obvious like your driving record, but others are not quite as obvious such as your marital status or your vehicle rating.

  • When should you not file a insurance claims? – If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Insurance companies provide discounts to policyholders who only file infrequent claims. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • Bundle policies and save money – Most insurance companies provide discounts to insureds that buy multiple policies such as combining an auto and homeowners policy. Discounts can be ten percent or more. Even if you’re getting this discount it’s in your best interest to compare other insurance prices to verify if the discount is saving money. You may still be able to find better rates even if you insure with multiple companies
  • Avoid car insurance lapses – Driving without insurance is illegal and as a result your rates will increase for letting your insurance lapse. In addition to paying higher rates, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Consider raising deductibles – Physical damage coverage, also called ‘full coverage’, insures against damage to your Mercedes-Benz. Some examples of claims that would be covered are a broken windshield, vandalism, and having your car stolen. Comprehensive and collision coverage deductibles state the amount of money you are required to spend before your car insurance pays a claim. The larger the amount you have to pay, the better rate you will receive on C-Class insurance.
  • Do you need those extra policy coverages? – Policies have optional add-on coverages that you can buy but may not be useful. Coverages for replacement cost coverage, better glass coverage, and motor club memberships are probably not needed. The coverages may be enticing when deciding what coverages you need, but now you might not need them so remove them from your policy.
  • Females tend to be lower risk – Over the last 50 years, statistics have shown that females take fewer risks when driving. That doesn’t necessarily mean that men are worse drivers. Both sexes are in fender benders at about the same rate, but guys have costlier accidents. Men also receive more major tickets like reckless driving and DUI.
  • Cars with good safety ratings means lower car insurance rates – Safe vehicles tend to be cheaper to insure. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries means your insurance company pays less passed on to you as lower rates.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Am I covered when using my vehicle for business?
  • Do I have newly-aquired coverage?
  • Is my trailer covered?
  • Does my policy cover my teen driver if they drive my company car?
  • What if I owe more than I can insure my car for?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

The ad said I’d save $471 a year!

Well-known car insurance companies like State Farm and Allstate seem to constantly run ads on television and other media. They all convey the message that you’ll save big if you switch to them. How is it possible that every company can charge you a lower premium? Just pay attention to how they say it.

Insurance companies offer their best rates for the type of customer they prefer to insure. A good example of this type of risk profile could possibly be between the ages of 40 and 55, has few claims, and has a short commute. A customer who meets those qualifications will probably get cheap auto insurance rates and have a good chance to save a lot of money.

Insureds who do not fit this ideal profile must pay more expensive rates which leads to the customer buying from someone else. The trick companies use is to say “people who switch” not “everyone that quotes” save that much money. That’s why companies can make those claims.

This really illustrates why you absolutely need to compare quotes as often as possible. It’s not possible to predict which company will have the best rates for your profile.

Auto insurance coverages

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2006 Mercedes-Benz C-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. Usually these coverages do not exceed the liability coverage limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for EMT expenses, pain medications and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, damage from flooding, hitting a bird and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

This will pay to fix damage to your C-Class resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance

This provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Be a penny pincher

Some insurance providers don’t offer online price quotes and these smaller companies work with independent insurance agencies. Affordable 2006 Mercedes-Benz C-Class insurance is available online in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from.

In this article, we presented many tips how you can get a better price on 2006 Mercedes-Benz C-Class insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest rates are with some of the smallest insurance companies.

When searching for low cost insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

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