Cheaper 2005 Mercedes-Benz C-Class Car Insurance Quotes

Are you drained from not being able to scrape enough together to insure your Mercedes-Benz every month? You have the same problem as millions of other vehicle owners. Many insurers compete to insure your vehicles, so it’s not easy to compare every insurer and get the definite lowest price

If you have a current auto insurance policy or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to know the proper methods to find the lowest price on the web.

These discounts can cut insurance rates

Companies that sell car insurance don’t always list every policy discount very clearly, so we researched a few of the more well known and the more hidden credits available to you.

• Good Students Pay Less – Maintaining excellent grades may save you up to 25%. This discount can apply until age 25.
• Claim Free – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote in comparison with accident-prone drivers.
• Bundle and Save – When you have multiple policies with the same company you could save as much as 10 to 15 percent.
• Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
• Telematics Devices – Drivers who agree to allow data collection to scrutinize driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
• 55 and Retired – If you qualify as a senior citizen, you can get better insurance rates on C-Class coverage.
• College Student Discount – Older children who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
• Multi-car Discount – Insuring multiple cars on the same insurance policy qualifies for this discount.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies that may include most of these discounts are:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

Before buying, ask each company or agent the best way to save money. All car insurance discounts may not apply to policies in your area.

When do I need an agent’s advice?

When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions can aid in determining if you will benefit from professional help.

• Is my trailer covered?
• Is my nanny covered when driving my vehicle?
• Am I covered if I break a side mirror?
• How do I insure my teen driver?
• Is my dog or cat covered if injured in an accident?
• Am I covered if hit by an uninsured driver?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Auto insurance advertisements

Consumers can’t ignore all the ads for the lowest price auto insurance by Progressive, Geico, Allstate and State Farm. They all seem to have a common claim that drivers can save some big amount if you get a free auto insurance quote and switch to them.

It sounds good, but how can they all offer you a better deal?

All the different companies have specific criteria for the right customer that earns them a profit. One example of a profitable customer may need to be between the ages of 40 and 55, has never had a claim, and drives a safe vehicle. A customer who meets those qualifications will get a cheap rate quote and as a result will probably save some money.

Drivers who don’t meet the requirements may be required to pay a higher premium which usually ends up with the customer buying from a different company. Company advertisements say “customers that switch” not “everybody who quotes” save money. This is how companies can make claims like that.

Because of the profiling, drivers must get a wide range of price quotes. Because without a comparison, you cannot know which company will have the best rates for your profile.

Car insurance coverages for a 2005 Mercedes-Benz C-Class

Knowing the specifics of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, theft and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This coverage will pay to fix damage to your C-Class from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like prosthetic devices, doctor visits and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz C-Class.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Liability coverage

This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, legal defense fees, medical services, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Quote often and quote early

Some insurance companies do not provide rate quotes online regional carriers sell through local independent agencies. Budget-friendly auto insurance can be sourced both online and with local insurance agents, and you should be comparing both to have the best selection.

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best price.

Additional detailed information can be found at these sites:

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)