How Much Does 2006 Mercedes-Benz C-Class Insurance Cost?

Want the cheapest auto insurance rates for your Mercedes-Benz C-Class? Price shopping your Driversauto insurance might be hard for drivers who are new to quoting and comparing rates online. Drivers have so many agents and companies to choose from that it can be a difficult challenge to find a more affordable company.

It’s a good idea to quote other rates before your policy renews because rates fluctuate regularly. If you had the best deal on C-Class coverage a couple years back you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to get good coverage at a lower rate.

These discounts can cut insurance coverage rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you complete an application, but a few must be requested specifically prior to receiving the credit.

• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
• Drive Less and Save – Low mileage vehicles may allow you to get discounted premium rates on garaged vehicles.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
• Auto/Home Discount – When you combine your auto and homeowners insurance with the same company you could save approximately 10% to 15%.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because newer models are generally safer.
• Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works. But all discounts will reduce the premium cost.

To see a list of insurance coverage companies offering insurance coverage discounts, click here.

Smart buyers can reduce their insurance premiums

When buying insurance it’s important to understand the rating factors that play a part in calculating your insurance rates. If you know what impacts premium levels, this allows you to make good choices that may result in much lower annual insurance costs.

The items below are some of the factors that factor into your rates.

• Higher deductibles are cheaper – Comprehensive and collision coverage deductibles define how much you are required to spend before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, vandalism, and damage from wind. The higher the amount the insured has to pay upfront, the less money you will pay for insurance on C-Class coverage.
• Tickets and citations cost more than a fine – Having just one chargable violation can bump up the cost to the point where it’s not affordable. Drivers with clean records pay less for auto insurance as compared to those with violations. Drivers with careless violations such as DUI or willful reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
• Prevent insurance policy lapses – Allowing your coverage to lapse is a fast way to drive up your policy premiums. Not only will rates go up, being ticketed for driving with no insurance can result in a license revocation or jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• Little extras can really add up – There are a lot of add-on coverages that may not really be needed on your insurance policy. Coverages for replacement cost coverage, high-cost glass coverage, and extra equipment coverage are some examples. They may seem good when discussing your needs, but now you might not need them so consider taking them off your policy.
• Employer and insurance insurance rates – Did you know your career choice can influence rates? Careers such as judgespolice officers and financial analysts are shown to have higher premiums than the average policyholder in part from intense work situations and lots of time spent at work. Other careers such as farmers, athletes and homemakers get better rates on C-Class coverage.
• Vehicle theft costs us all – Driving a car with an alarm system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft.
• When should you file a policy claims? – Car insurance companies award most affordable rates to people who file claims infrequently. If you’re an insured who likes to file claims you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended for larger claims.
• Being married can lower costs – Having a wife or husband can actually save you money on insurance. Marriage usually means you are more financially stable and it’s proven that married couples file fewer claims.

When do I need an agent’s advice?

When buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

• Do I need special endorsements for business use of my vehicle?
• Is my trailer covered?
• Am I covered when driving a rental car?
• Can I make deliveries for my home business?
• Should I buy additional glass protection?
• What is the minimum liability in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Don’t be fooled by advertising claims

Allstate, Geico and Progressive continually stream ads on television and other media. All the ads make the point about saving some big amount just by moving to their company. How do they all say the same thing? It’s all in the numbers.

Companies offer their best rates for the type of insured they prefer to insure. One example of a desirable risk might be a female over age 40, owns a home, and has excellent credit. Anybody that matches those criteria will probably get cheap auto insurance rates and most likely will save a lot of money.

People who fall outside this stringent profile may receive higher prices which results in business not being written. The trick is to say “people that switch” not “all people who quote” save money. That’s the way companies can truthfully make claims that they all have the best prices. That is why drivers should compare many company’s prices. It is impossible to predict which car insurance company will have better premium rates than you’re paying now.

Insurance coverage specifics

Learning about specific coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses for prosthetic devices, nursing services and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This will pay to fix damage to your C-Class resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for liability

This provides protection from damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as bail bonds, medical expenses and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Shop around and save

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In too many instances, someone dropped full coverage and learned later that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Consumers who switch companies do it for many reasons like poor customer service, questionable increases in premium, high prices and delays in paying claims. It doesn’t matter why you want to switch finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

Lower-priced 2006 Mercedes-Benz C-Class insurance is available both online and from local insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer the ability to get quotes online and most of the time these regional insurance providers work with independent insurance agents.

More detailed insurance coverage information is available in the articles below:

• Rental Reimbursement Coverage (Allstate)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Distracted Driving (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)