2006 Mercedes-Benz C-Class Car Insurance Quotes

Looking for lower car insurance rates for your Mercedes-Benz C-Class? Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you you’re not alone. Online insurance companies like Progressive, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s a good idea to do rate comparisons every six months because rates go up and down regularly. Even if you think you had the best deal for C-Class insurance a couple years back there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance on the web, but with this article, you’re going to get a lot of great tips on how to quit paying high car insurance rates.

The best way to compare rate quotes is to know the trick most larger insurance companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like if you’re married, if your license is active, how much education you have, and how many miles driven. Your information gets sent immediately to many of the top insurers and they return rate quotes very quickly.

Cut your insurance coverage rates with discounts

Companies offering auto insurance do not advertise every discount very clearly, so we break down some of the best known and the more hidden ways to save on insurance coverage. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% for C-Class insurance.
  • Memberships – Affiliation with a qualifying organization is a good way to get lower rates when shopping for insurance coverage for C-Class insurance.
  • Low Mileage – Keeping the miles down on your Mercedes-Benz can qualify you for lower rates on the low mileage vehicles.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for C-Class insurance than drivers with accident claims.
  • Homeowners Pay Less – Simply owning a home can help you save on insurance coverage because owning a home shows financial diligence.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.

Drivers should understand that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of companies with discount insurance coverage rates, click here.

Some factors that can determine what Mercedes-Benz C-Class insurance costs

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get better auto insurance rates.

  • Mature drivers pay less – Older insureds are more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers are known to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • Males pay more for insurance – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Women and men are in accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as DWI and reckless driving.
  • High credit ratings translate to low rates – A driver’s credit history is a big factor in determining what you pay for auto insurance. Therefore, if your credit is not that good, you could be paying less to insure your 2006 Mercedes-Benz C-Class by improving your rating. People with good credit tend to be more responsible as compared to drivers with lower credit scores.
  • Adjust deductibles and save – The deductibles represent how much money you are willing to pay in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more expense you have to pay, the less your company will charge you for insurance for C-Class insurance.
  • Add-on coverages can add up – There are a lot of extra coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death and membership fees may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Safer occupants lowers premiums – Vehicles with high crash test scores are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Mercedes-Benz earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

You are unique and your insurance coverage should be too

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover whether your personal situation might need professional guidance.

  • How much liability insurance is required?
  • How do I file an SR-22 for a DUI in my state?
  • Is business equipment covered while in my vehicle?
  • Are rental cars covered under my policy?
  • What can I do if my company won’t pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about insurance coverages for a 2006 Mercedes-Benz C-Class

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Liability coverage

Liability insurance provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like medical expenses, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz C-Class.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like chiropractic care, X-ray expenses, ambulance fees, pain medications and hospital visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, rock chips in glass, vandalism, fire damage and a broken windshield. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be Smart and Buy Smart

In this article, we presented a lot of ways to save on 2006 Mercedes-Benz C-Class insurance. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers may even find the lowest priced insurance comes from a lesser-known regional company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

Budget-conscious insurance can be purchased both online and with local insurance agents, and you need to price shop both to have the best selection. A few companies do not offer online price quotes and these small, regional companies work with independent agents.

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