1995 Mercedes-Benz C36 AMG Insurance Rates – 8 Tips for Cheaper Quotes

Trying to find the cheapest auto insurance rates for your Mercedes-Benz C36 AMG? Have you had enough of paying out the nose to pay your car insurance bill each month? Your situation is no different than most other car owners.

Popular companies such as GEICO, 21st Century and Progressive promote their brand names with catchy ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

You should make it a habit to shop coverage around once or twice a year since insurance rates tend to go up over time. Just because you had the lowest price on C36 AMG coverage on your last policy there may be better deals available now. Starting right now, forget anything you know (or think you know) about auto insurance because you’re going to learn the quickest way to lower your annual insurance bill.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Finding affordable coverage is quite easy. Nevertheless, consumers must know how big insurance companies determine prices.

Are you getting all your discounts?

Car insurance companies don’t always list every available discount very well, so we researched both well-publicized and the harder-to-find savings tricks you should be using.

  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
  • Save over 55 – Mature drivers can possibly qualify for better insurance rates on C36 AMG coverage.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on C36 AMG coverage than drivers with accidents.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Defensive Driver – Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

A partial list of companies that possibly offer some of the above discounts include:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not be available in every state.

Comparison of Auto Insurance

The are a couple different ways to compare rate quotes from local auto insurance companies. The simplest method to find competitive 1995 Mercedes-Benz C36 AMG insurance rates consists of shopping online. It is quite easy and can be accomplished in several different ways.

The most efficient way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for multiple quote forms for each company. Taking the time to complete one form gets rate comparisons from auto insurance companies with the best prices.

A slightly less efficient method to compare prices requires visiting each individual company website to request a price quote. For instance, let’s assume you want to compare rates from USAA, Progressive and Liberty Mutual. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just compare apples-to-apples quote information for every quote you compare. If you have unequal deductibles or liability limits it will be impossible to decipher which rate is best. Just a small difference in insurance coverages may result in large price differences. And when comparing auto insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best offered rates.

When might I need an agent?

When choosing the right insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine whether you may require specific advice.

  • What is high-risk coverage and where do I buy it?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my 1995 Mercedes-Benz C36 AMG qualify for pleasure use?
  • Does insurance cover tools stolen from my truck?
  • Where can I find DUI or SR-22 insurance?
  • Can I make deliveries for my home business?
  • Does medical payments coverage apply to all occupants?
  • Does coverage extend to my business vehicle?
  • Is my ex-spouse still covered by my policy?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance 101

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Collision coverage

Collision coverage will pay to fix damage to your C36 AMG resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This coverage 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.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see 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 $25,000 of coverage for damaged propery.

Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, hospital visits and pain medications. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass, vandalism, a tree branch falling on your vehicle and hitting a deer. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mercedes-Benz C36 AMG.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Spend less. Save more.

In this article, we covered many ideas to reduce 1995 Mercedes-Benz C36 AMG insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. You may even discover the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

While you’re price shopping online, you should never reduce needed coverages to save money. There have been many cases where an insured dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.

Much more information about car insurance is available at the links below