Cheap 2006 Mercedes-Benz C-Class Car Insurance Cost

Looking for lower insurance coverage rates for your Mercedes-Benz C-Class? Feel like you’re a prisoner to high-priced insurance coverage? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage. Companies like Geico, Farmers Insurance and State Farm promote their brand names with fancy advertisements and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

Fast and Easy Auto Insurance Quotes

Shopping for lower auto insurance rates can take hours if you don’t know the best way to get rate quotes. You could waste a few hours driving to agents in your area, or you can stay home and use online quotes to achieve your goal.

Many of the larger companies enroll in a system that allows shoppers to enter their policy data once, and each participating company provides a quote based on that data. This system prevents you from having to do quotation requests to each individual auto insurance company.

To find out how much you’re overpaying now click to open in new window.

The only drawback to using this type of system is that consumers can’t choose the companies you will receive quotes from. So if you prefer to pick individual companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use identical information for each comparison quote. If you enter different limits and deductibles on each one then you won’t be able to find the best deal for your Mercedes-Benz C-Class.

Car insurance is unique, just like you

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

• Do I need PIP (personal injury protection) coverage in my state?
• Do I have coverage when pulling a U-Haul trailer?
• Do I need added coverage for expensive stereo equipment?
• Will I be non-renewed for getting a DUI or other conviction?
• When should I buy a commercial auto policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need replacement cost coverage on my 2006 Mercedes-Benz C-Class?
• Does insurance cover tools stolen from my truck?
• Should I buy more coverage than the required minimum liability coverage?
• How high should deductibles be on a 2006 Mercedes-Benz C-Class?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance 101

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by car insurance companies.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, pain and suffering, emergency aid, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for things like EMT expenses, doctor visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage will pay to fix damage to your C-Class resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, a broken windshield, hail damage and hitting a deer. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz C-Class.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.