There isn’t anyone who is fond of buying car insurance, in particular when they are paying too much. Companies like Allstate, Progressive and GEICO all claim big savings, bombarding you with ad campaigns and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
You need to do price comparisons once or twice a year since insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal for C230 coverage a couple years back other companies may now be cheaper. Forget all the misinformation about car insurance because it’s time to teach you how to quote online to lower your annual insurance bill.
If you have a policy now or need a new policy, you can use this information to cut your premiums while maximizing coverage. Choosing the best insurance company for you is quite easy. Drivers only need to know the most efficient way to get comparison quotes on the web.
Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the easiest way. You could waste a few hours talking about coverages with insurance agencies in your area, or you could use the web to maximize your effort.
The majority of car insurance companies participate in a marketplace that enables customers to enter their policy data once, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing form submissions for each company.
To submit your quote information now, click here to open in new window.
The one disadvantage to pricing coverage this way is you can’t choose the providers you want to price. If you wish to select specific providers to request quotes from, we have assembled a list of car insurance companies in your area. Click here to view list.
The method you choose is up to you, but make sure you compare the exact same quote information on every price quote you get. If you have different data it will be nearly impossible to determine the best price for your Mercedes-Benz C230.
Can you really save that much by switching?
Consumers can’t escape the ads that claim the best rates by companies like State Farm, Allstate and GEICO. All the companies make the point that you’ll save big just by switching your coverage.
It sounds good, but how can they all make the same claim? Here is how they do it.
All the different companies offer their best rates for the type of driver that earns them the highest profit. For instance, a desirable insured should be a married female, has a clear driving record, and drives a vehicle with a low ISO rating. Any new insured who fits those characteristics will get very good auto insurance rates as well as save money with a new company.
Potential customers who fall short of these criteria will be charged a more expensive rate and this results in business not being written. The trick is to say “people who switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can lure you into getting a quote.
Because of these techniques, it is so important to quotes as often as possible. It is impossible to predict with any certainty which company will have the lowest rates for your situation.
Mercedes-Benz C230 Insurance Rate Factors
A large part of saving on car insurance is knowing the factors that help calculate the price you pay for car insurance. If you know what determines base rates, this enables you to make decisions that may reward you with much lower annual insurance costs.
The following are a few of the things used by insurance companies to determine rates.
- Only buy what you need – Insurance policies have a lot of extra add-on coverages that you can buy if you aren’t diligent. Coverages for roadside assistance, towing coverage, and membership fees could be just wasting money. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.
- Being married is a good thing – Your spouse actually saves money on your policy. It demonstrates that you tend to be more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
- High deductibles reduce prices – Comp and collision deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply are a windshield broken by a bird, fire damage, and having a roll-over accident. The more damage repair cost you choose to pay out-of-pocket, the less your car insurance will be for C230 coverage.
- High performance vehicles cost more to insure – The performance of the vehicle you are insuring makes a big difference in determining your rates. Since the Mercedes-Benz C230 is classified as a luxury sedan, insurance will be more compared to average rates. Lower performance four cylinder passenger vehicles usually have the lowest rates, but your final cost has many other factors.
- Liability insurance – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides legal defense which can be incredibly expensive. It is affordable coverage when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
Verify you’re applying every discount
Car insurance is not an enjoyable expense, but you may be missing some discounts that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but a few must be inquired about before you will receive the discount. If you do not double check each discount available, you are paying more than you should be.
- Safe Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates for C230 coverage than less cautious drivers.
- Professional Organizations – Joining qualifying clubs or civic groups may earn a discount when getting a .
- No Claims – Drivers who stay claim-free get the best car insurance rates as compared to drivers with a long claim history.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy life insurance from them.
- 55 and Retired – If you’re over the age of 55, you could receive a discount up to 10% for C230 coverage.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of up to 25% or more.
- Homeowners Pay Less – Simply owning a home can save a few bucks since home ownership shows financial diligence.
- Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
- Anti-lock Brake System – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more.
- Military Rewards – Having a family member in the military could qualify you for better prices.
Drivers should understand that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like you could get a free car insurance policy, you aren’t that lucky.
To locate car insurance companies that offer multiple discounts, click here.
You can lower your rates
As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. Too many times, an accident victim reduced liability coverage limits only to find out that they should have had better coverage. The goal is to get the best coverage possible at the best possible price, but do not skimp to save money.
A few companies do not provide online rate quotes and many times these small insurance companies only sell coverage through independent agents. Cheaper Mercedes-Benz C230 insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates.
