View 1995 Mercedes-Benz C36 AMG Insurance Cost

Looking for the cheapest car insurance rates for your Mercedes-Benz C36 AMG? Have you had enough of not being able to afford to pay your car insurance bill each month? You are in the same boat as most other car owners. Companies like Geico, Farmers Insurance and State Farm continually hit you with fancy advertisements and it is difficult to not get sucked in by the cute commercials and find the best price available.

Where Can I Get Cheap Car Insurance?

There are multiple methods you can shop for 1995 Mercedes-Benz C36 AMG car insurance but there is one way that is more efficient than others. You can waste a lot of time driving to agents in your area, or you can utilize online quotes for quick rates.

Most car insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and at least one company returns a competitive quote based on the submitted data. This saves time by eliminating quote forms for each company.

To compare 1995 Mercedes-Benz C36 AMG rates now click here to start a free quote.

The one downside to using this type of form is that you can’t choose the providers to receive prices from. If you would rather choose from a list of companies to compare, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

However you get your quotes, ensure you’re using identical information for each price quote. If each company quotes different liability limits you will not be able to truly determine the lowest rate.

Do you qualify for a discount?

Car insurance companies don’t always publicize every discount in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Accident Free – Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Homeowners Pay Less – Simply owning a home can save you money because maintaining a house is proof that your finances are in order.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous.

For a list of insurance companies offering insurance discounts, click here.

Factors influencing Mercedes-Benz C36 AMG insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating insurance coverage rates. Knowing what influences your rates enables informed choices that can help you get better insurance coverage rates.

The list below includes some of the items insurance coverage companies consider when setting your rates.

  • Add-on coverages can add up – There are many add-on coverages you can purchase on your 1995 C36 AMG policy. Coverages like rental car reimbursement, better glass coverage and motor club memberships may be wasting your money. These may sound like a good investment initially, but if you don’t need them get rid of them and save.
  • Do you work long hours in a high stress job? – Careers like lawyers, architects and financial analysts tend to pay higher average rates due to job stress and lots of time spent at work. Conversely, occupations like farmers, engineers and retirees have the lowest average rates on C36 AMG coverage.
  • Don’t sacrifice liability coverage – Liability coverage will protect you if a court rules you are at fault for damages from an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Men fork out a little more – Statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Men and women have accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If your Mercedes-Benz C36 AMG scored better than four stars on Safercar.gov you may qualify for a discount.
  • Better credit scores mean better rates – Your credit score is a large factor in your rate calculation. If your credit is lower than you’d like, you could save money insuring your 1995 Mercedes-Benz C36 AMG by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit.

What coverages do I need?

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Is my ex-spouse still covered by my policy?
  • I have health insurance so do I need medical payments coverage?
  • Does medical payments coverage apply to all occupants?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Will my insurance pay for OEM parts?
  • What are the financial responsibility laws in my state?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Car insurance coverage considerations

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Comprehensive protection – This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability – This can cover damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like dental work, X-ray expenses, EMT expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage will pay to fix damage to your C36 AMG resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Shop. Compare. Save.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice full coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

We just covered quite a bit of information on how to lower your 1995 Mercedes-Benz C36 AMG insurance rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from the smaller companies. They may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

Additional auto insurance information can be found below: