Cheap 2005 Mercedes-Benz C-Class Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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We all need auto insurance. But let’s face it, no one enjoys having to buy auto insurance, particularly when the cost is too high.

Since consumers have many different company options, it can be challenging to choose the right provider.

Pricing affordable car insurance coverage can be fairly easy. Just about every vehicle owner who carries car insurance should be able to lower their premiums. But drivers need to learn how companies market on the web and take advantage of how the system works.

The quickest method to compare insurance rates in your area utilizes the fact most of the larger companies actually pay money for the chance to compare rate quotes. To get started, all you need to do is provide details such as if you are currently licensed, if you require a SR-22, if you went to college, and if you’re married. That rating data gets transmitted to many highly-rated insurers and they provide comparison quotes instantly.

Save 15 percent in 15 minutes? Is it for real?

Insurance coverage providers like Progressive, Allstate and GEICO regularly use ads on television and other media. They all say the same thing that you’ll save big if you move your policy. But how can every company say the same thing?

Insurance companies have a preferred profile for the right customer they prefer to insure. A good example of a preferred risk might be over the age of 50, a homeowner, and who drives newer vehicles. Any new insured that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.

Potential insureds who fall outside the “perfect” profile will have to pay a more expensive rate and this can result in the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much money. That’s why insurance companies can confidently claim big savings.

Because of the profiling, it is so important to get as many quotes as possible. It is impossible to predict which insurance coverage company will provide you with the cheapest Mercedes-Benz C-Class insurance rates.

Your Mercedes-Benz C-Class Insurance Rate is a Complex Equation

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for auto insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

  • Higher deductibles cost less – Deductibles for physical damage represent how much money you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, collision with an animal, and rolling your vehicle. The higher the amount the insured has to pay upfront, the lower your rates will be for C-Class coverage.
  • Your age impacts your rates – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Young drivers tend to be less responsible in a vehicle therefore auto insurance rates are much higher.
  • Rates may be higher depending on your occupation – Jobs such as doctors, business owners and accountants are shown to have higher rates than average in part from stressful work requirements and long work hours. On the flip side, occupations such as pilots, athletes and the unemployed pay the least for C-Class coverage.
  • Bundling policies can get discounts – The majority of insurance companies provide better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to ensure the best deal.
  • Pleasure use saves money – The more miles you rack up on your Mercedes-Benz in a year the more you will pay for auto insurance. Most companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. An improperly rated C-Class can cost quite a bit. Make sure your auto insurance policy shows how each vehicle is driven.
  • How credit affects auto insurance rates – A driver’s credit rating is a big factor in determining what you pay for auto insurance. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. So if your credit score can use some improvement, you could be paying less to insure your 2005 Mercedes-Benz C-Class by repairing your credit.

How much can you save with discounts?

If you own a Mercedes Benz C300, even with the 2005 model, insurance can cost an arm and a leg. But you may find car insurance discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but a few must be specially asked for before you get the savings.

  • 55 and Retired – Mature drivers may be able to get a discount up to 10% for C-Class coverage.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercedes-Benz can earn a substantially lower rate.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Homeowners Savings – Owning a home may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.

It’s important to note that most discount credits are not given the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, it just doesn’t work that way. But any discount will help reduce your premiums.

Insurance companies that may offer discounts on your premiums or other benefits are:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

When you are shopping for quotes, be sure to double check with each insurance company what discounts are available to you. While discounts may not be available with every company, some insurers will extend a discount where others might not.

How much car insurance do I need?

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Am I covered when pulling a rental trailer?
  • Why does it cost so much to insure a teen driver?
  • Can I afford low physical damage deductibles?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when using my vehicle for business?
  • Am I covered when driving in Canada or Mexico?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Specific Coverage Details

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, vandalism, a tree branch falling on your vehicle, hitting a deer and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

This provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, pain and suffering, attorney fees and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mercedes-Benz C-Class.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills such as nursing services, X-ray expenses, chiropractic care and surgery. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance covers damage to your C-Class caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Knowledge is Power

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped physical damage coverage and learned later they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at the best price while still protecting your assets.

We have presented some good ideas on how you can compare 2005 Mercedes-Benz C-Class insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

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