Have you had enough of scraping the payment together to insure your Mercedes-Benz every month? Your situation is no different than most other car owners.
Big companies like Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and consumers find it hard to see through the deception and find the best price available.
If you have car insurance now, you stand a good chance to be able to save some money using these tips. Choosing the best insurance company for you is not rocket science. But vehicle owners can benefit from knowing how the larger insurance companies market insurance on the web and use this information to your advantage.
Pieces of the Mercedes-Benz C43 AMG rate puzzle
Consumers need to have an understanding of some of the elements that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in lower auto insurance prices.
The following are a few of the “ingredients” companies use to determine premiums.
- Rate your vehicle for proper use – The more you drive each year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use get more affordable rates than those used for commuting. Improper usage on your C43 AMG may be wasting your money. Double check that your auto insurance policy shows the correct driver usage.
- Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
- Discounts for married couples – Having a spouse can actually save you money on auto insurance. Having a significant other usually means you are more mature and responsible and it’s statistically proven that being married results in fewer claims.
- Do you need those extra coverages? – There are a lot of extra coverages that can waste your money when buying auto insurance. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage may be wasting your money. They may seem good initially, but now you might not need them so eliminate them to save money.
- An active claims history can cost you – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Companies award cheaper rates to drivers who are claim-free. Car insurance is meant to be used in the event of larger claims.
- Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If your Mercedes-Benz scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Companies offer discounts so take them!
Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you purchase, but a few must be inquired about before you will receive the discount.
- Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
- Homeowners Savings – Being a homeowner may earn you a small savings because owning a home requires personal responsibility.
- One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up if you are claim-free for a certain period of time.
- Accident Free – Claim-free drivers pay less when compared to bad drivers.
- College Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
- Save over 55 – If you’re over the age of 55, you may qualify for better auto insurance rates on C43 AMG insurance.
Drivers should understand that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.
For a list of insurers with discount auto insurance rates, click here to view.
But don’t I need an insurance agent?
Certain consumers would prefer to buy from a local agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is you may find the best rates but still work with a licensed agent. And providing support for local agencies is important especially in smaller communities.
By using this short form, the quote information is emailed to insurance agents who will battle for your insurance coverage. You don’t have to drive around because quoted prices will be sent to the email address you provide. How cool is that?! You’ll get the best rates and an insurance agent to talk to.
If you prefer to view a list of agents in your state to contact, click here.
Choosing a company needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- How often do they review policy coverages?
- How much will you save each year by using a higher deductible?
- Which company do they place the most coverage with?
- Are you getting all the discounts the company offers?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How are claims handled?
Upon getting satisfactory answers to all your questions and an acceptable price quote, you’ve probably found an insurance company that is a good match to properly insure your vehicles.
The best insurance company isn’t always the cheapest
We’ve covered a lot of information how to shop for Mercedes-Benz C43 AMG insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the most savings is with a smaller regional carrier. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.
When buying insurance coverage, never sacrifice coverage to reduce premiums. In many instances, someone dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest price, not the least amount of coverage.
