Cheapest 2006 Mercedes-Benz C-Class Insurance Rates in 2023
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UPDATED: Aug 24, 2022
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Searching for cheaper car insurance rates for your Mercedes-Benz C-Class? I can’t think of anyone who likes having to buy car insurance, especially when the cost is way too high. Big companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
It’s a good idea to shop coverage around periodically due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the lowest rates for C-Class insurance six months ago you can probably find a better price now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest way to find better coverage at a better price.
If you have insurance now or are just looking to switch companies, you can use these tips to shop for the lowest rates while maintaining coverages. Buying car insurance is quite easy. Vehicle owners only need to know the tricks to shop online.
Automobile Insurance Quotes
There are several ways you can shop for Mercedes-Benz C-Class auto insurance but some are less time-consuming than others. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use the internet to get prices fast.
Many of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and each company provides a quote based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.
To get comparison pricing now click here (opens in new window).
The one downside to using this type of system is you don’t know exactly the insurers to get quotes from. If you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.
It’s up to you which method you use, but compare the exact same information with every price quote. If you have unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate.
Verify you’re getting all your discounts
Car insurance companies don’t always advertise all their discounts very well, so the following is a list of some of the more common and the harder-to-find ways to save on insurance coverage. If you don’t get every credit possible, you’re paying more than you need to.
- Sign Online – Certain companies may give you up to $50 just for signing your application online.
- Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
- Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.
- Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for C-Class insurance than drivers with accidents.
Consumers should know that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, companies don’t profit that way.
Car insurance companies that may offer these money-saving discounts include:
Before buying, ask each insurance company what discounts are available to you. All car insurance discounts may not be available everywhere.
When should I talk to an agent?
When choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation could use an agent’s help.
- If my pet gets injured in an accident are they covered?
- Do I need replacement cost coverage?
- Does having multiple vehicles earn me a discount?
- Will my rates increase for filing one claim?
- Am I covered if I break a side mirror?
- Can my babysitter drive my car?
- Is extra glass coverage worth it?
- Do I need PIP (personal injury protection) coverage in my state?
- Who is covered by my policy?
- Are rental cars covered under my policy?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Insurance coverages explained
Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.
Comprehensive (Other than Collision)
This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like theft, falling objects, vandalism and damage from getting keyed. The maximum payout 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 not worth carrying full coverage.
Medical expense insurance
Med pay and PIP coverage provide coverage for expenses such as dental work, rehabilitation expenses and chiropractic care. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Coverage for liability
Liability coverage can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability coverage protects against claims like medical services, loss of income, emergency aid, court costs and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision coverage protection
Collision coverage will pay to fix damage to your C-Class resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as sideswiping another vehicle, scraping a guard rail, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Knowledge is power
Cheap 2006 Mercedes-Benz C-Class insurance is possible from both online companies as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
When shopping online for car insurance, make sure you don’t sacrifice coverage to reduce premiums. In many instances, someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
More tips and info about car insurance can be read at these sites:
- Liability Insurance Coverage (Nationwide)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- What is Covered by GAP Insurance? (Allstate)
- Teen Driving and Texting (State Farm)
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