Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us when we tell you you’re not the only one. With so many options, it’s nearly impossible to choose the right insurer.
It’s a good idea to price shop coverage occasionally because insurance coverage prices are variable and change quite frequently. If you had the lowest quotes on C-Class coverage last year other companies may now be cheaper. There are lots of tips to save on insurance coverage on the web, but in this article, you’re going to get some solid techniques on how to quit paying high insurance coverage rates.
Lowering your 2006 Mercedes-Benz C-Class auto insurance rates is not a difficult process. Consumers just need to spend a few minutes on the computer to compare rate quotes from some recommended companies. This can be accomplished by using one of the methods below.
To view a list of companies in your area, click here.
However you get your quotes, ensure you are comparing identical coverage limits and deductibles on every quote. If you compare different data it will be impossible to make an equal comparison.
When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether your personal situation might need professional guidance.
If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Understanding the coverages of car insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.
Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as a broken windshield, hail damage, a tree branch falling on your vehicle and rock chips in glass. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision – Collision insurance covers damage to your C-Class resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.
Liability car insurance – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values 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 $100,000 of coverage for damaged propery.
Liability insurance covers claims like repair costs for stationary objects, pain and suffering and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses for things like nursing services, hospital visits, ambulance fees and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Mercedes-Benz C-Class.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.