What are your insurance costs?
Thread Starter
Member
Joined: Dec 2009
Posts: 130
Likes: 0
2006 Volvo S40 T5 AWD 6spd
What are your insurance costs?
Okay, I've searched this forum for the last hour looking for answers to this question and I mostly find people complaining about their costs going up as a result of an accident. I want to know what your monthly or annual insurance costs were accidents excluded. Explaining what coverage you have and if you have a bad history, eg. tickets, wrecks, etc., would be beneficial as well. I myself have a flawless record for all ten years I've been driving.
But once I get my W203 that record will be hard to keep up. Thanks guys.
But once I get my W203 that record will be hard to keep up. Thanks guys.
Senior Member
Joined: May 2006
Posts: 268
Likes: 1
From: VA
2002 C320
WTF? Your insurance won't change much if at all versus your TL with a W203. Why you want hundreds of other posters to give you their premiums doesn't make any sense given the differences in companies, deductibles, states, driving histories, multiple policy discounts, multiple drivers on the account, etc.
Junior Member
Joined: Feb 2008
Posts: 47
Likes: 0
From: Portland, OR
2002 C320
You probably won't get an apples to apples answer on this one. There are too many variables that affect insurance rates: Age, location, previous driving history, number of claims, credit rating in some cases now.
In my opinion, the best thing to do is call up your insurance agent before you start looking for a car and get quotes on the different cars you are looking to purchase. Be specific on the year, make and model of the car as that will affect the rates. That way you won't fall in love with a car and find out that your rates are going to jump dramatically.
Since your driving record has been clean for 10 years, can't imagine that you'd have much of a difference between a TL and W203.
Good luck!
In my opinion, the best thing to do is call up your insurance agent before you start looking for a car and get quotes on the different cars you are looking to purchase. Be specific on the year, make and model of the car as that will affect the rates. That way you won't fall in love with a car and find out that your rates are going to jump dramatically.
Since your driving record has been clean for 10 years, can't imagine that you'd have much of a difference between a TL and W203.
Good luck!
MBWorld Fanatic!
Joined: Jul 2008
Posts: 8,384
Likes: 800
2019 G70 6MT & 2022 Ford Maverick XL
I also can't imagine why your driving record won't be clean with the W203 when it was with the TL. I can't recall from your other posts, but I don't think you were looking at C32 or C55 models. Otherwise, there won't be some gigantic power difference. I had a 2002 TL a few years ago, it was no slouch.
Super Moderator
Joined: Mar 2007
Posts: 5,295
Likes: 22
From: VA
THE C350
LOL my insurance went down from my J30 to my mercedes lol don't ask me why i talked to the insurance man and he did not have an answer to why a 97 j30 had more expensive rates then a 01 c320 oh well i love it $100 a month. but that is with multi car discount and lots of other things.
Trending Topics
Moderator Alumni
Joined: Apr 2006
Posts: 3,255
Likes: 22
From: Seattle
w203 m112
MB World Stories
The Best of Mercedes & AMG
New Electric Mercedes-AMG GT 4-Door Coupe Unveiled: 10 Things You Need to Know
Verdad Gallardo
6 Mercedes Models That Did NOT Age Well (But Are Somehow Still Cool)
Verdad Gallardo
Manual Mercedes? 6 Times Sindelfingen Let Drivers Have All The Fun
Verdad Gallardo
Mercedes SLR McLaren 722 S Is Extremely Rare Example Modified by McLaren
Verdad Gallardo
8 Classic Boxy Mercedes Designs That Have Aged Like Fine Wine
Verdad Gallardo
Flawlessly Restored Mercedes 190E Evo II Heads to Auction
Verdad Gallardo
Electric Mercedes C-Class Unveiled: 11 Things You Need to Know
Verdad Gallardo
Mercedes EQS Gets A Major Update: Everything You Need to Know
Verdad Gallardo
5 Underrated Mercedes-Benz Models That Don't Get the Love They Deserve
Verdad Gallardo
Super Moderator
Joined: Mar 2007
Posts: 5,295
Likes: 22
From: VA
THE C350
would take over 300 a month the women said roughly.
Super Member
Joined: Aug 2009
Posts: 661
Likes: 0
2007 c230
believe it or not i was driving around in a SATURN L300 no points and 9+ years with a clean record with GEICO my rate was only 109 will full coverage. My plan was goin buy the C230 and just get rid of the Saturn. The dealer offered me nothing for the SATURN so i was goin to give to to a family member. If i dropped the SATURN and had the C230 the rate would be 98 dollars same plan. And if i kept the SATURN and the Mercedes my rate would be 114 (Because he explained to me you will be only operating one car at a time). Keep this in mind guys...INS companies really don't CARE about the car itself. They're cheap to replace. They're more concerned about the driver injuring someone else. Because you come into the EMERGENCY ROOM it's an automically 15,000 plus the law suits that follow.
Super Moderator
Joined: Mar 2007
Posts: 5,295
Likes: 22
From: VA
THE C350
Banned
Joined: Apr 2008
Posts: 910
Likes: 2
From: In Kush Land So cal
02 C320 Sedan
Super Member
Joined: May 2009
Posts: 904
Likes: 22
From: Toronto, Ontario, Canada, eh!
2003 C230 Sports Coupe, Paprika Metallic Red, Auto, Pano, Leather
believe it or not i was driving around in a SATURN L300 no points and 9+ years with a clean record with GEICO my rate was only 109 will full coverage. My plan was goin buy the C230 and just get rid of the Saturn. The dealer offered me nothing for the SATURN so i was goin to give to to a family member. If i dropped the SATURN and had the C230 the rate would be 98 dollars same plan. And if i kept the SATURN and the Mercedes my rate would be 114 (Because he explained to me you will be only operating one car at a time). Keep this in mind guys...INS companies really don't CARE about the car itself. They're cheap to replace. They're more concerned about the driver injuring someone else. Because you come into the EMERGENCY ROOM it's an automically 15,000 plus the law suits that follow.
- insure both cars (so you get multicar discount - in my case $200/year)
- "suspend" insurance on the other car (ie Saturn), I still pay $60/year "suspension"/administrative fee
- Result: you save $140/year ,... at least that's how its working out for me with my C230 & old Civic. Problem is you can only "suspend" insurance on a car for up to a year,... after that its off. Of course I could reactivate insurance on my old Civic winter beater for just one month at $65 /month and my net saving would be $85/year each year.
BTW,... I've been driving over 20 years and have a clean record. My insurance on the C230 (with multicar discount & "suspended" old Civic) is currently about $100 CAN per month.
6 months ago, I called my insurance company and tried to take the old Civic off the insurance since I don't drive it anymore,... but then my insurance would go up!
Since I would lose my $200 "multicar" discount,... but it only cost me $60 to keep it "suspended",... net $140/year saving. 
MBWorld Fanatic!
Joined: Dec 2007
Posts: 5,034
Likes: 6
From: Corona, CA
03 g35 coupe...........02 c32 Sold
honda's are stolen more often then mercedes so its a higher risk for them.
clean record full coverage med, collusions, liabilty $500 deductable.
2004 civic $3300 a yr with AAA, went to wawnesa down to $1400
1994 integra $500 a yr
2002 C32 mercedes $900 a yr.
clean record full coverage med, collusions, liabilty $500 deductable.
2004 civic $3300 a yr with AAA, went to wawnesa down to $1400
1994 integra $500 a yr
2002 C32 mercedes $900 a yr.
Newbie
Joined: Jan 2010
Posts: 11
Likes: 0
From: Charlotte, NC
2007 C230 Sport
My liability does not change no matter what car I've quoted. I have $30,000/$60,000 personal injury and $50,000 property per accident, and all the bells and whistles (towing, rental car, underinsured/uninsured, etc.), full coverage costs me $50 a month. My total for 3 vehicles fully covered and 3 drivers (I insure my mom as she drives a vehicle registered to me) is $150.
I have one at fault accident (property damage only) in the past 6 years, my mom has a perfect record, and my wife has 2 speeding tickets in the past 5 years.
If your record is clean liability should be about the same for any car, collision will change depending upon how expensive the vehicle is to fix/replace.
I have one at fault accident (property damage only) in the past 6 years, my mom has a perfect record, and my wife has 2 speeding tickets in the past 5 years.
If your record is clean liability should be about the same for any car, collision will change depending upon how expensive the vehicle is to fix/replace.
Super Member
Joined: Aug 2009
Posts: 661
Likes: 0
2007 c230
My liability does not change no matter what car I've quoted. I have $30,000/$60,000 personal injury and $50,000 property per accident, and all the bells and whistles (towing, rental car, underinsured/uninsured, etc.), full coverage costs me $50 a month. My total for 3 vehicles fully covered and 3 drivers (I insure my mom as she drives a vehicle registered to me) is $150.
I have one at fault accident (property damage only) in the past 6 years, my mom has a perfect record, and my wife has 2 speeding tickets in the past 5 years.
If your record is clean liability should be about the same for any car, collision will change depending upon how expensive the vehicle is to fix/replace.
I have one at fault accident (property damage only) in the past 6 years, my mom has a perfect record, and my wife has 2 speeding tickets in the past 5 years.
If your record is clean liability should be about the same for any car, collision will change depending upon how expensive the vehicle is to fix/replace.
MBWorld Fanatic!
Joined: Jul 2008
Posts: 3,191
Likes: 7
From: Va Beach, VA
05 C230K SS (sold), 06 C55 (sold), 08 Yamaha R1 (sold), 16 X5M
im 22 and wrecked a red 2006 350z 6 months into having it and then got into my '05 c230 2 months later and my insurance rates went down...now I pay about 110-120 (dont ask me why it fluctuates) but my 6 month premium is about 650...and that includes a $0 deductible comprehensive...
gotta love USAA (military insurance)...oh and did i mention that i had my license suspended when i was 17 for 6 tickets in less than a year?!
gotta love USAA (military insurance)...oh and did i mention that i had my license suspended when i was 17 for 6 tickets in less than a year?!
Newbie
Joined: Jan 2010
Posts: 11
Likes: 0
From: Charlotte, NC
2007 C230 Sport
that's a very dangerous policy to have. I hope you don't own a home or have assets anywhere else. And hope that car is fully registered to you without a cosigner/registrant. I work in the ER and when a person comes in for a high speed impact over 45mph they are considered a TRAMA which cost over 15K-20K just for being scene in the ER. Then your lookin at long term if the person needs physical therapy etc etc. Honestly I had 250,000/500,000 thousand and paying I believe 100+ - a month and i just increased it to 500,000/1,000,000. And it only went up a few dollars a month. You should really lookin into that honestly.
