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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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Finding affordable car insurance can seem to be difficult for people who are new to comparing rates online. There are so many options that it can turn into a real challenge to find the best price.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. This article will teach you the most effective way to quote insurance and some tips to save money. But vehicle owners must comprehend how insurance companies sell insurance online because it can help you find the best coverage.

Lesser-known factors impacting Mercedes-Benz C-Class insurance rates

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for car insurance. Knowing what controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

Listed below are a partial list of the pieces that factor into your rates.

  • High credit ratings translate to low rates – A driver’s credit score is a huge factor in calculating your car insurance rates. Consumers who have high credit scores tend to be less risk to insure than drivers with poor credit. Therefore, if your credit rating is low, you could be paying less to insure your 2007 Mercedes-Benz C-Class by improving your rating.
  • Traffic citations inflate rates – A bad driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Just one citation can increase rates forty percent or more. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Safer occupants lowers premiums – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you. If your Mercedes-Benz is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Your age impacts your rates – Youthful drivers are statistically proven to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Optional equipment can affect rates – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Where you live is a factor – Residing in less populated areas has it’s advantages when it comes to car insurance. City drivers regularly have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident.

Discounts can save BIG

Car insurance companies don’t always list every available discount in a way that’s easy to find, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on C-Class coverage depending on your company.
  • Resident Student – Children who live away from home without a vehicle on campus may be able to be covered for less.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.
  • Student Driver Training – Have your child enroll in driver’s education in school.

Consumers should know that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, it doesn’t quite work that way.

For a list of providers offering insurance coverage discounts, click here.

Insurance ads bend the truth

21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies make an identical promise that you can save if you move to their company. How do they all make almost identical claims?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. A good example of a profitable customer might be profiled as between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don’t meet these standards will be charged a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save that kind of money. That’s why companies can advertise the way they do. That is why you need to quote coverage with many companies. It’s impossible to know the company that will have the lowest Mercedes-Benz C-Class insurance rates.

Will just any policy work for me?

When buying adequate coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage if my license is suspended?
  • If my pet gets injured in an accident are they covered?
  • Can I afford low physical damage deductibles?
  • What is the difference between comprehensive and collision coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is upholstery damage covered by car insurance?
  • Who is covered when they drive my 2007 Mercedes-Benz C-Class?
  • Can I make deliveries for my home business?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverages and their meanings

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – Comprehensive insurance pays for 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 coverage protects against claims such as rock chips in glass, hail damage and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability – This provides protection from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, structural damage, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. 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 crashing into a building, sideswiping another vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for hospital visits, doctor visits, pain medications, prosthetic devices and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Power to the consumer

In this article, we covered a lot of tips how to shop for 2007 Mercedes-Benz C-Class insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a smaller regional carrier.

Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, lack of trust in their agent, poor customer service and unfair underwriting practices. Regardless of your reason, finding a new company can be easier than you think.

As you shop your coverage around, do not skimp on coverage in order to save money. There have been many cases where drivers have reduced collision coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at a price you can afford.

To learn more, feel free to browse the following helpful articles:

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