Save on 2007 Mercedes-Benz C-Class Insurance Rates

Want better insurance rates for your Mercedes-Benz C-Class? Expensive insurance can drain your funds and force you to make tough financial choices. Comparison shopping can save money and help to tighten up your finances.

Vehicle owners have multiple insurance companies to buy insurance from, and although it’s nice to have a choice, more options can take longer to compare rates.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. But vehicle owners must know the way insurance companies determine prices and apply this information to your search.

Auto insurance discounts help lower rates

Companies do not advertise every available discount in an easy-to-find place, so the following is a list of some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz may enable drivers to earn cheaper auto insurancerates.
  • Senior Citizens – Mature drivers can get a discount up to 10% on C-Class coverage.
  • Military Rewards – Being deployed with a military unit could qualify you for better premium rates.
  • Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you may earn up to 20% off your total premium.
  • Discount for Passive Restraints – Vehicles with factory air bags may qualify for discounts of more than 20%.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% because newer models have to meet stringent safety requirements.
  • Theft Deterent System – Cars optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you can avoid the installment charge.

One thing to note about discounts is that some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

To find insurance companies that offer multiple discounts, click here.

Which is the best insurance?

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • When would I need rental car insurance?
  • What is no-fault insurance?
  • Should I put collision coverage on all my vehicles?
  • What vehicles should carry emergency assistance coverage?
  • Why does it cost so much to insure a teen driver?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Ads can be misleading

Companies like Progressive, Geico, Allstate and State Farm seem to constantly run television, radio, and online ads. All the companies tend to make the same promise about how much you will save if you change to them. How is it possible that every company can claim to save you money? It’s all in how they say it.

Insurance providers have specific characteristics for the driver that will most likely be profitable. A good example of a profitable insured should be a female over age 40, owns a home, and drives a safe vehicle. A customer that matches those criteria may get the lowest prices and is almost guaranteed to save some money.

Drivers who cannot meet this stringent profile may be forced to pay higher premiums and the customer buying from someone else. The trick companies use is to say “customers who switch” not “all people who quote” will save that much if they switch. That’s why companies can truthfully advertise the savings. Each company has different criteria, so it is so important to compare free insurance coverage quotes often. Because you never know which company will fit you best based on your risk profile.

Auto insurance coverages

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average auto insurance policy.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to a person or their property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have 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 pays for things such as funeral expenses, bail bonds, repair costs for stationary objects, medical services and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage – This pays to fix your vehicle from 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 pays for things like falling objects, hail damage and fire damage. The highest amount your auto 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.

Collision coverage – This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, colliding with a tree, crashing into a building, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz C-Class.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, chiropractic care, EMT expenses and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Make an honest buck

Budget-friendly insurance coverage can be found both online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance coverage companies may not offer rates over the internet and many times these small insurance companies prefer to sell through independent agencies.

Throughout this article, we presented some good ideas how you can shop for 2007 Mercedes-Benz C-Class insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower prices in certain areas than their larger competitors like Allstate and Progressive.

Additional insurance coverage information can be found at the links below