Lower Your 1999 Mercedes-Benz C43 AMG Car Insurance Rates

There isn’t a single person who fancies paying their premiums for insurance, in particular when they are paying too much.

Having so many companies to choose from, it’s difficult to pick the cheapest company.

Smart consumers take time to compare prices periodically because insurance prices are usually higher with each renewal. If you had the best quotes for C43 AMG insurance a few years ago there may be better deals available now. There is a lot of bad advice regarding insurance online but by reading this article, you’re going to learn some excellent ideas to buy insurance cheaper.

How to get the cheapest insurance coverage

Performing a rate comparison can be exhausting if you don’t know the best way to get rate quotes. You can waste hours discussing policy coverages with insurance companies in your area, or you can utilize online quotes to achieve your goal.

Many companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company returns a rated price based on that data. This eliminates the need for quote requests for each company you want a rate for. To enter your information into the quoting system, click here (opens in new window).

The single downside to comparing rates this way is that consumers can’t choose which carriers you want pricing from. So if you prefer to pick individual companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure to compare identical quote information with every price quote. If your comparisons have different liability limits it will be very difficult to determine the lowest rate for your Mercedes-Benz C43 AMG. Having just a slight variation in insurance coverages or limits can result in a big premium difference. And when comparing insurance coverage rates, know that comparing more quotes helps increase your odds of locating a lower rate. Not every company does online price quotes, so you also need to get rates from them as well.

Reduce insurance rates with these tips

Consumers need to have an understanding of a few of the rating criteria that are used to determine your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in cheaper rates. Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense like an MVR report, but other factors are not as apparent such as your credit history or how financially stable you are.

• Does car insurance cost less for women? – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Males and females are in auto accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
• Insurance is expensive for teenage drivers – Teenage drivers are statistically shown to be inattentive in a vehicle so they pay higher auto insurance rates. Adding a teenage driver to your policy will cause a huge premium hike. Mature drivers are shown to be more cautious, tend to file fewer claims and are safer drivers.
• Get hitched and get cheaper premiums – Your spouse helps lower the price when shopping for auto insurance. Marriage means you’re more stable financially and statistics prove married drivers tend to file fewer claims.
• Don’t skimp on liability insurance – The liability coverage on your policy kicks in in the event that you are found liable for personal injury or accident damage. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• When should you file a policy claims? – Car insurance companies provide better rates to insureds who are claim-free. If you frequently file small claims, you can expect either higher rates or even cancellation. Your insurance policy is intended for the large, substantial claims.

Find discounts on insurance

Insurance is easily one of your largest bills, but you may be missing some discounts to help bring down the price. Certain reductions will be credited at the time of quoting, but a few need to be manually applied before being credited.

• Multi-line Discount – If the company offers life insurance, you could get a discounted insurance rate on car insurance if you buy a life policy as well.
• Multiple Policy Discount – When you have multiple policies and place coverage with the same company you may save at least 10 to 15 percent or more.
• Discounts for Federal Employees – Federal government employees could cut as much as 10% off for C43 AMG insurance with select insurance companies.
• Buy New and Save – Insuring a new car can get you a discount because new model year vehicles are generally safer.
• Discounts for Multiple Vehicles – Insuring more than one vehicle on one policy can reduce rates for all insured vehicles.
• Defensive Driver Discount – Passing a defensive driver course may get you a small discount and also improve your driving technique.
• Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
• Claim Free – Insureds who avoid accidents and claims pay less as compared to bad drivers.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

Car insurance companies who might offer these benefits are:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

When getting a coverage quote, ask every prospective company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in every state. If you would like to choose from a list of providers that provide some of the discounts listed above, follow this link.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might point out if your situation could use an agent’s help.

• Am I covered when driving a rental car?
• Do I have newly-aquired coverage?
• Can I drive in Mexico and have coverage?
• Can I get a multi-policy discount?
• When should I buy a commercial auto policy?
• What vehicles should carry emergency assistance coverage?
• Does insurance cover damages from a DUI accident?
• What is high-risk coverage and where do I buy it?
• How do I file an SR-22 for a DUI in my state?
• How much liability coverage do I need in my state?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Specific coverage details

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz C43 AMG.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage

This will cover damage that occurs to other’s property or people. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as attorney fees, medical services and court costs. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, rehabilitation expenses and EMT expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Coverage for collisions

Collision coverage pays for damage to your C43 AMG resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Save for a rainy day

In this article, we covered a lot of tips how to save on 1999 Mercedes-Benz C43 AMG insurance. The key concept to understand is the more you quote insurance coverage, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the most savings is with the smaller companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

More affordable car insurance is available from both online companies as well as from insurance agents, so you should compare both to have the best selection. Some car insurance companies do not offer rate quotes online and most of the time these regional carriers only sell coverage through independent agents.

When searching for affordable insurance coverage quotes, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice full coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

To read more, feel free to visit these articles:

• What is Covered by GAP Insurance? (Allstate)
• Liability Insurance Coverage (Nationwide)
• Teen Driving and Texting (State Farm)
• Frontal Crash Tests (iihs.org)