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

Trying to find lower insurance rates for your Mercedes-Benz C-Class? When searching for more affordable insurance, do you get overwhelmed by the crazy number of insurance companies in your area? Many other people are too. You have so many companies available that it can easily become a ton of work to find a cheaper company.

Choosing the best insurance company for you is not that difficult. Just about every driver who has to buy car insurance stands a good chance to be able to save money. But consumers must learn the way companies compete online and take advantage of how the system works.

Don’t miss with these discounts

Auto insurance is easily one of your largest bills, but you might find some hidden discounts that many people don’t even know exist. Most are applied when you quote, but a few must be inquired about prior to receiving the credit. If you do not double check each discount possible, you are not getting the best rate possible.

  • Data Collection Discounts – Drivers who agree to allow their auto insurance company to scrutinize driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as they are good drivers.
  • Mature Driver Discount – Mature drivers could receive a small decrease in premiums for C-Class coverage.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Multiple Cars – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and qualify for as much as a 10% discount.
  • Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.
  • Drive Less and Save – Keeping the miles down on your Mercedes-Benz can earn slightly better premium rates than normal.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a break if you buy a life insurance policy as well.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Paperwork-free – A few larger online companies provide a small discount for buying a policy and signing up online.

Discounts lower rates, but some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, that’s just not realistic.

To see auto insurance companies that offer the discounts shown above, click here.

Smart consumers save more

Consumers need to have an understanding of some of the factors that come into play when calculating your premiums. If you understand what determines premiums, this allows you to make educated decisions that can help you get better insurance rates.

  • Policy add-ons add up – Insurance companies have many optional add-on coverages that can waste your money when buying insurance. Coverage for things like personal injury protection, accident forgiveness, and membership fees are examples of these. They may sound like good ideas initially, but your needs may have changed so think about removing them and cutting costs.
  • Teenagers vs. mature drivers – Youthful drivers are proven to get distracted easily when driving with friends therefore insurance rates are much higher. More experienced drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.
  • Obey driving laws and save – Your driving citation history has a big impact on rates. Even one ticket can increase the cost of insurance twenty percent or more. Attentive drivers get better prices compared to drivers with tickets. Drivers with careless violations like reckless driving or DUI are required to maintain a SR-22 with their state motor vehicle department in order to legally drive.
  • Lower coverage deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some examples of claims that would be covered are a dented fender, collision with an animal, and damage from a fallen tree branch. Physical damage deductibles define how much you are willing to pay if you file a covered claim. The more money you pay before a claim is paid (deductible), the less money you will pay for insurance for C-Class coverage.
  • Higher prices for demanding vocations – Did you know your job can affect your rates? Jobs such as military generalsair traffic controllers and financial analysts have higher rates than average attributed to intense work situations and extremely grueling work hours. On the other hand, professions such as professors, historians and retirees pay the least for C-Class coverage.
  • Males pay higher rates – Over time, data shows females are less aggressive when driving. It does not mean women are better drivers. They both are in accidents at about the same rate, but males have costlier accidents. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving. Youthful male drivers generally have the highest accident percentage and therefore pay the highest rates.

Your situation helps dictate your coverage

When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • Does insurance cover tools stolen from my truck?
  • If my 2006 Mercedes-Benz C-Class is totaled, can I afford another vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • I have a DUI can I still get coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Educate yourself about auto insurance coverages

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

This pays for damage to your C-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

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

Comprehensive can pay for things such as hitting a bird, hail damage and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as medical services, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, pain medications, ambulance fees and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they 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. So UM/UIM coverage should not be overlooked.

Quote more, save more

The cheapest 2006 Mercedes-Benz C-Class insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide online rate quotes and these small insurance companies only sell through independent insurance agents.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced physical damage coverage to discover at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Consumers switch companies for any number of reasons including being labeled a high risk driver, not issuing a premium refund, high prices or denial of a claim. Whatever your reason, finding a new insurance company is not as difficult as it may seem.

Much more information about insurance is located on the following sites: