2007 Mercedes-Benz C-Class Insurance Cost

Trying to find low-cost insurance for your Mercedes-Benz C-Class could be an all-consuming task, but you can learn our insurance buying tips to make it easier.

There are both good and bad ways to find insurance online and you need to know the quickest way to compare rates for your Mercedes-Benz and find the lowest possible price either online or from local insurance agents.

It is always a good idea to shop coverage around once or twice a year because insurance rates change regularly. Just because you found the best rates on C-Class coverage a couple years back there may be better deals available now. Forget all the misinformation about insurance because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

Factors that can influence Mercedes-Benz C-Class insurance rates

It’s important that you understand the rating factors that help determine your auto insurance rates. Knowing what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

  • The more you drive the more you pay – The more you drive each year the higher your rates will be. Almost all companies rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your C-Class may be wasting your money. Double check that your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Liability insurance protects assets – Liability insurance is the protection if a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Adjust deductibles and save – Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and rolling your vehicle. The more expense the insured has to pay upfront, the less your company will charge you for insurance on C-Class coverage.
  • Occupation reflects on rates – Occupations like judges, business owners and stock brokers are shown to have the highest rates because of job stress and long work days. On the other hand, occupations such as farmers, students and the unemployed pay the least on C-Class coverage.
  • Do you qualify for a multi-policy discount? – Some insurers provide better rates to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you still need to shop around to verify if the discount is saving money.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be manually applied prior to getting the savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on C-Class coverage with certain companies.
  • Low Mileage – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Defensive Driver – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current expiration date. The savings is around 10%.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • No Claims – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company qualifies for this discount.

It’s important to understand that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

To see a list of insurers with discount car insurance rates, click this link.

Can you really save $438 a year?

Consumers constantly see and hear ads for cheaper car insurance from companies such as State Farm, GEICO and Progressive. All the companies say the same thing about savings after switching your policy.

But how can every company claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of customer that is profitable for them. For instance, a preferred risk might be profiled as between 25 and 40, insures multiple vehicles, and has a short commute. A driver who matches those parameters is entitled to the best price and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside these standards will be quoted more money which leads to business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” save that much. That’s why companies can state the savings.

This emphasizes why drivers must get as many quotes as possible. Because you never know which insurance companies will give you the biggest savings on Mercedes-Benz C-Class insurance.

How to know if you need help

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation may require specific advice.

  • I don’t drive much so do I pay less?
  • Am I covered if hit by an uninsured driver?
  • How do I file an SR-22 for a DUI in my state?
  • Can I afford low physical damage deductibles?
  • Am I insured when driving a different vehicle?
  • Should I put collision coverage on all my vehicles?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz C-Class.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, medical services, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, falling objects and theft. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for prosthetic devices, pain medications, doctor visits, funeral costs and nursing services. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Feed the piggy bank

Lower-priced 2007 Mercedes-Benz C-Class insurance can be sourced online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

We covered some good ideas how to shop for insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at an affordable rate.

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