Lower Your 2007 Mercedes-Benz C-Class Insurance Quotes

Think you have an expensive auto insurance policy? You’re in good company because many drivers have buyer’s remorse.

Multiple insurers compete for your business, and because of this it can be hard to compare insurers to find the absolute lowest cost out there.

It’s important to get comparison quotes quite often because prices go up and down regularly. Even if you think you had the best rate on C-Class coverage on your last policy other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance online but you can learn a bunch of ideas how to lower your auto insurance rates.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Finding the best rates is easy if you know what you’re doing. Although consumers must learn the methods companies use to sell online and apply this information to your search.

Get affordable insurance quotes with discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but once in a while a discount must be asked for before being credited.

• Claim Free – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
• Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.
• Save with a New Car – Buying a new car model can cost up to 25% less compared to insuring an older model.
• Waiver for an Accident – This isn’t a discount exactly, but some companies like Geico, State Farm, and Progressive allow you one accident without the usual rate increase with the catch being you have to be claim-free before the accident.
• Switch and Save Discount – Some larger companies provide a discount for signing up before your current expiration date. It can save you around 10%.
• Life Insurance Discount – Some insurance companies give better rates if you take out some life insurance too.

Consumers should know that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts will definitely lower the amount you pay for coverage.

Large insurance companies and some of their more popular discounts are:

• Geico policyholders can earn discounts including five-year accident-free, defensive driver, seat belt use, driver training, and anti-lock brakes.
• Mercury Insurance offers discounts for age of vehicle, accident-free, ease of repair, anti-theft, and type of vehicle.
• Farmers Insurance discounts include multi-car, business and professional, electronic funds transfer, alternative fuel, distant student, and youthful driver.
• Auto-Owners Insurance offers premium reductions for safe vehicle, multiple vehicles, air bags, good student, and safe driver.
• Liberty Mutual may include discounts for multi-policy, exclusive group savings, multi-car, new vehicle discount, newly retired, preferred payment discount, and hybrid vehicle.
• SAFECO may have discounts that include drive less, accident prevention training, teen safety rewards, anti-lock brakes, multi-car, homeowner, and bundle discounts.
• Progressive has savings for multi-vehicle, online signing, online quote discount, multi-policy, good student, and homeowner.
• USAA offers discounts including new vehicle, defensive driver, driver training, vehicle storage, military installation, multi-vehicle, and annual mileage.

Check with each company or agent which discounts can lower your rates. Savings might not apply everywhere. To choose insurance companies that offer multiple discounts, click this link.

How to lower your insurance coverage cost

When looking for affordable car insurance quotes, there are a couple ways to compare quotes from local insurance coverage companies. The fastest way to find the cheapest 2007 Mercedes-Benz C-Class insurance rates involves getting comparison quotes online. It’s really quite simple and can be done in a couple of different ways.

1. The simplest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form keeps you from doing separate forms for every company. Taking the time to complete one form will return quotes instantly.
2. A different way to compare rate quotes is to manually visit the website of each company and get a separate price quote. For example, we’ll assume you need rates from USAA, Liberty Mutual and Geico. To get rate quotes you would need to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.

   To view a list of companies in your area, click here.

It’s up to you which method you use, but try to keep apples-to-apples coverage limits for each comparison quote. If your comparisons have higher or lower deductibles it’s impossible to make a fair rate comparison. Even a minor difference in coverages could mean much higher rates. And when price shopping your coverage, comparing a large number of companies helps increase your odds of locating more affordable insurance.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

• Do I have newly-aquired coverage?
• Is rental equipment covered for theft or damage?
• When should I drop full coverage on my 2007 Mercedes-Benz C-Class?
• Do I have coverage when pulling a U-Haul trailer?
• What companies insure drivers after a DUI or DWI?
• Are my friends covered when driving my 2007 Mercedes-Benz C-Class?
• What is the minimum liability in my state?
• Are my tools covered if they get stolen from my vehicle?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

The coverage is in the details

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane, hitting a deer and vandalism. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims like bail bonds, attorney fees, court costs, loss of income and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2007 Mercedes-Benz C-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

This pays for damage to your C-Class resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like hospital visits, rehabilitation expenses and ambulance fees. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

In any little way, save everyday

You just learned many ideas to shop for 2007 Mercedes-Benz C-Class insurance online. The most important thing to understand is the more you quote car insurance, the better chance you’ll have of finding low cost car insurance. Drivers may discover the best prices are with the least-expected company. Smaller companies often have lower rates on specific markets than their larger competitors like Allstate or State Farm.

As you quote car insurance, you should never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage only to discover later that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

Affordable 2007 Mercedes-Benz C-Class insurance can be sourced from both online companies as well as from insurance agents, so you need to shop car insurance with both to have the best rate selection. There are still a few companies who may not offer the ability to get a quote online and these small, regional companies prefer to sell through local independent agents.

Helpful resources

• Vehicle Size and Weight FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)