Cheaper 2007 Mercedes-Benz C-Class Insurance Cost

Paying for pricey Mercedes-Benz C-Class insurance can eat up your monthly budget and force you to make tough financial choices. Doing a rate analysis can be a smart way to ensure you are getting the best deal.

You have multiple car insurance companies to buy insurance from, and although it’s nice to have a choice, more options can take longer to compare rates and cut insurance costs.

You need to do price comparisons occasionally because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates on C-Class insurance six months ago you can probably find a better premium rate now. You can find a lot of information about insurance coverage online but you can learn some good information on how to quit paying high insurance coverage rates.

Buying more affordable coverage is quite easy. Basically, every driver who shops for car insurance will be able to save money. But consumers must understand the way insurance companies market insurance on the web and take advantage of how the system works.

Buy insurance coverage online

When shopping for insurance coverage there are multiple ways to obtain and compare prices from different companies. By far the easiest way to comparison shop is to use the internet to compare rates. This is quite simple and can be completed using a couple different methods.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This style of form eliminates the need for a different quote for each company you want a rate for. A single, simple form gets you price quotes direct from many companies.
  2. A different way to obtain and compare quotes online requires you to visit the website of each company and repeat the quote process again and again. For example, let’s assume you want to get rates from Auto-Owners, Allstate and American Family. To get each rate you have to take the time to go to each site and type in your information over and over, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make sure you use exactly the same coverage data with each company. If your comparisons have different data you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages or limits may result in a large different in cost. And when price shopping your coverage, getting more free quotes helps locate the best price.

Drivers save money with these discounts

Companies don’t always list every available discount in an easy-to-find place, so the next list breaks down both the well known as well as some of the hidden credits that you can use to lower your rates.

  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • College Student Discount – Older children who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Braking Control Discount – Cars with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Bundle and Save – If you can combine your auto and home policy with the same company you may save at least 10% off all policies.
  • Discounts for Multiple Vehicles – Buying coverage for multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Discount for Low Mileage – Driving less can qualify you for discounted prices on garaged vehicles.

Please keep in mind that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you could get a free insurance policy, it just doesn’t work that way.

Companies and their possible discounts are:

  • GEICO includes discounts for multi-vehicle, multi-policy, good student, seat belt use, anti-theft, five-year accident-free, and driver training.
  • Auto-Owners Insurance discounts include mature driver, company car, teen driver, anti-lock brakes, and student away at school.
  • American Family policyholders can earn discounts including mySafetyValet, TimeAway discount, good student, defensive driver, Steer into Savings, and early bird.
  • Esurance may include discounts for emergency road assistance, defensive driver, multi-car, good driver, and Pac-12 alumni.
  • Progressive has savings for multi-vehicle, homeowner, online quote discount, good student, and multi-policy.
  • State Farm offers discounts for multiple autos, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, and passive restraint.
  • AAA offers premium reductions for good driver, education and occupation, good student, anti-theft, multi-policy, and multi-car.

If you need lower rates, check with every company what discounts are available to you. Some discounts might not be available to policyholders in your area. To locate companies that offer some of these discounts, click here to view.

Special considerations

When it comes to choosing the best insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you will benefit from professional help.

  • Do I have coverage if my license is suspended?
  • How much can I save by bundling my policies?
  • Why do I need rental car insurance?
  • Where can I get insurance after a DUI in my state?
  • If my 2007 Mercedes-Benz C-Class is totaled, can I afford another vehicle?
  • How high should my medical payments coverage be?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverages for a Mercedes-Benz C-Class

Having a good grasp of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2007 Mercedes-Benz C-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, medical expenses, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, a tree branch falling on your vehicle, falling objects and damage from getting keyed. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage covers damage to your C-Class caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a building, crashing into a ditch and scraping a guard rail. 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 raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses like surgery, doctor visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay