View 2007 Mercedes-Benz C-Class Insurance Quotes

Want lower car insurance rates for your Mercedes-Benz C-Class? Have you fallen victim to overpriced car insurance? Trust us, there are lots of people in the same boat.

There is such a variety of car insurance companies to pick from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

It is always a good idea to price shop coverage quite often since rates go up and down regularly. Even if you got the best rates on C-Class insurance six months ago other companies may now be cheaper. So ignore everything you know about car insurance because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.

Why your Mercedes-Benz C-Class insurance rates may be high

It’s important that you understand the rating factors that go into determining the price you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that could result in big savings.

  • Bad driving skills means higher rates – Drivers who don’t get tickets have lower premiums than bad drivers. Only having one citation can bump up the cost by as much as thirty percent. If you have serious violations such as DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Mature drivers pay less – Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets. Teenage drivers are known to get distracted easily when behind the wheel therefore auto insurance rates are much higher.
  • Protect yourself with liability coverage – Liability coverage is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • The more you drive the more you pay – The more you drive in a year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance policy shows the correct driver usage, because improper ratings can cost you money. Incorrect usage on your C-Class may be costing you.

Where Can I Get Cheap Car Insurance?

When shopping for car insurance there are multiple ways to compare quotes and find the best price. The simplest method to find the cheapest 2007 Mercedes-Benz C-Class insurance rates consists of shopping online. This is very easy and can be done using a couple different methods.

  1. The recommended way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do multiple quote forms to each individual car insurance company. Completing one form gets rate comparisons direct from many companies.
  2. Another way to shop for car insurance online consists of visiting each individual company website and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from Liberty Mutual, Allstate and Progressive. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming method to compare rates is driving around to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the professional guidance only provided by licensed agents. Drivers can price shop your coverage online and still use a local agent and we’ll touch on that later.

However you get your quotes, be sure to compare the exact same coverage limits and deductibles with every price quote. If you enter higher or lower deductibles it will be very difficult to decipher which rate is best. Having just a slight variation in insurance coverages can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies will improve the odds of getting the best offered rates.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. Some trigger automatically at the time you complete a quote, but a few must be specifically requested prior to receiving the credit.

  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on C-Class insurance with select insurance companies.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on C-Class insurance than less cautious drivers.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Sign Online – A handful of insurance companies will give a small break simply for signing on their website.
  • Homeowners Pay Less – Owning a house may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will help reduce your overall premium however.

Companies who might offer these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. All car insurance discounts may not apply in your state.

How much car insurance do I need?

When it comes to buying the best auto insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • If I drive on a suspended license am I covered?
  • Am I better off with higher deductibles on my 2007 Mercedes-Benz C-Class?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How high should deductibles be on a 2007 Mercedes-Benz C-Class?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance 101

Having a good grasp of a auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most auto insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for EMT expenses, doctor visits, funeral costs and surgery. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like court costs, attorney fees and medical expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Collision insurance

This pays for damage to your C-Class resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, a broken windshield, hitting a bird, a tree branch falling on your vehicle and vandalism. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Power to the consumer

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. In many instances, consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

The cheapest 2007 Mercedes-Benz C-Class insurance is available from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Much more information about auto insurance can be found below: