Lower Your 1997 Mercedes-Benz C36 AMG Car Insurance Cost

Want better insurance coverage rates for your Mercedes-Benz C36 AMG? Having to pay for overpriced Mercedes-Benz C36 AMG insurance can drain your checking account and make it impossible to make ends meet. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket.

Many auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company to find the best rates possible.

Some factors that can determine what Mercedes-Benz C36 AMG insurance costs

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that could result in much lower annual insurance costs.

  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Mercedes-Benz scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • More claims means more premium – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Auto insurance companies give cheaper rates to insureds who file claims infrequently. Your insurance policy is intended for larger claims.
  • Don’t skimp on liability – The liability section of your policy is the protection when you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages that can waste your money on your auto insurance policy. Things like rental car reimbursement, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good initially, but now you might not need them so remove them from your policy.
  • Adjust deductibles and save – The deductibles define the amount you are willing to pay in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more you have to pay, the lower your rates will be on C36 AMG coverage.
  • Pleasure use or commuting – The higher the mileage driven each year the higher your rates will be. Most companies apply a rate based on their usage. Autos that are left in the garage qualify for better rates than those used for commuting. Having the wrong rating on your C36 AMG can cost quite a bit. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle.
  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a quick way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a revoked license or a big fine.

How to Compare Insurance Coverage Costs

When shopping for insurance coverage there are multiple ways to compare rate quotes from insurance coverage companies in your area. The simplest method to compare 1997 Mercedes-Benz C36 AMG insurance prices consists of obtaining rate quotes online. This can be accomplished in several different ways.

  1. One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This form saves time by eliminating separate quotation requests for each company. One simple form will get you price quotes from several companies.
  2. A different way to obtain and compare quotes online is spending the time to visit each company’s website and fill out their own quote form. For examples sake, let’s assume you want comparison quotes from Liberty Mutual, Safeco and State Farm. To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverages and limits with every price quote. If you compare different liability limits it will be impossible to make an equal comparison. Quoting even small variations in limits can mean a large discrepancy in price. And when comparison shopping, quoting more gives you a better chance of getting the best offered rates.

Discounts to lower Mercedes-Benz C36 AMG insurance rates

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but some must be specifically requested before they will apply.

  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Low Mileage – Keeping the miles down on your Mercedes-Benz can qualify you for discounted rates on garaged vehicles.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Sign Online – A handful of insurance companies will give a small break just for signing your application digitally online.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Accident Waiver – A few companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

Insurance companies that may have these money-saving discounts include:

Check with all companies you are considering which discounts they offer. Savings may not apply everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Do I pay less for low miles?
  • How do I buy GAP insurance?
  • Is business equipment covered while in my vehicle?
  • Is upholstery damage covered by car insurance?
  • How high should my medical payments coverage be?
  • Is my ex-spouse still covered by my policy?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage considerations

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance pays for damage to your C36 AMG resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox, rolling your car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverages

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to $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. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, structural damage, pain and suffering and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like funeral costs, EMT expenses, rehabilitation expenses, X-ray expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 1997 Mercedes-Benz C36 AMG.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

The best insurance company isn’t always the cheapest

The cheapest 1997 Mercedes-Benz C36 AMG insurance is definitely available both online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. In too many instances, an accident victim reduced collision coverage and learned later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Additional car insurance information is available at these links: