How much is your insurance premium for your new C-class?
 

I just ordered my C300 Sport 4matic last week and got insurance quote today. Mine is $823/6mo. with 50/100k liability and 500 deductible. It's kinda high. I'm paying about same money for $60k M3 convertible!

I have not yet received detailed pricing from my insurance agent. He simply added it to my existing policy. However he said it should be around $800/6mos

I am paying $375 (for just me) per 6 months with $100/$300 liability, $100/$300 uninsured, $10K medical, $25 rental and $500 deductable. It actually went up with the C350 by $25 from an X5.

My record has been pretty clean for quite some time though. At one time I was paying almost 1000 per 6 months on an M3 (5 yrs ago).

I will be paying $450/6 mos for full coverage. I believe with $500 deductible as well.

I think posting your ages would help. This could help us to understand why some prices are higher than others.

I'm 36 with 2 kids and 3 year clean records. I don't understand why they are so high.

They want $600 a month for premo insurance for me. I'm 21. Thats just nuts.

I'll probably go with the middle of the road insurance $1200+ for 6 months. Thats more do-able.

Wow, my insurance (not W204) is only like $1400 a year. I am also 21 with a clean record.

I have had many tickets :( That would explain it. DON'T SPEED!

I'm paying $420 every 6 months and I'm 23. Funny thing is I have had 3 speeding tickets in the past 3 years. I'm confused on why my rate is low compared to others. I have full coverage, $500 deductible.

location has a lot to do with it also.

I'm 32, married, clean record. 2 cars on the policy. Our C300 is about $530/6 months. 250K/500K/500/500.

Man, I pay almost that much for my S class w/ AMG (mine is $900), 100/300, with $200 deductible.

You sign autography to cop every :)month ?

Spend $400 for a V1 unit, that would same you some penny down the road

Reconsider your inssurance company. Mutual liberty gives me very good rates much better than Geico, or Progressive. Something like $400 for 6 months sounds reasonable.

I have Adirondack on my current C-class. Last major speeding ticket was about 3 1/2 years ago for 86 in a 55 which should no longer be chargeable. Paying $999 for a 12 month policy with 250/500 BI, 250/500 SUM, $10k Medical, $25k OBEL, $1500 max rental coverage with an added endorsement that I receive a comparable vehicle to what I drive, $500 comp and collision deductibles. Had a quote from Geico for $586 every six months but I hate Geico and had a friend and family member screwed over pretty badly by their ridiculous payouts. I'd check out Adirondack if they are available in your state. Great company, part of One Beacon. 29 years old.

853 for 6 months with gayco

is that high? I am 23 with no tickets ever...

body 100K/300K
property 50K
uninsured/underinsured 50K/100K
comprehensive $250 deductible
collision $500 deductible

how do you guys get it for $1000 a year???

Guys, I am in insurance, there are too many factors affecting your premium, the most important factor is where you live.

In NYC and in LI it could be 50% difference everything being equal.

it only makes sense when your comparing within the same ZIP code.

If you move from NJ to Brooklyn, your premium would probably go up 2x.

In NJ, different towns vary HUGE.

mine will be $660/6 months, $500 deductible

I am also in insurance as in 30 years with several state insurance departments. You must also include your "insurance score" when you are talking insurance premiums. This score is based mostly on credit score but also includes factors which have nothing to do with anything, i.e., if you shopped for your car loan, how long have you been on your job? How long have you lived at the same address? Think, the last time you got a quote for insurance, one of the first questions they ask is "what is your SSN". So, while tickets and accidents and type of vehicle, etc. are used by insurers, they all take a backseat to your insurance score.

I have a perfect record, am in my 40s, and was shocked to find out that my C350 will carry a premium higher than the 2004 BMW Z4 3.0i it replaced. A convertible sports car that had a sticker price about $8K more than my C350 had a lower premium than a slower, 4-door sedan? I don't understand insurance.

Is there any way for a private individual to find out what their insurance score is?

geico didnt ask for my social when i signed up online.... I have never got a ticket and am 23 years old... should I be getting a better rate than 853 for 6 months??? I registered in the outskirts of LA county, a small city with very very little crime....

I tried 3 different online quotes from liberty mutual, geico and progressive and they were all within $100 of each other...

I know why... your z4 had less computers and expensive electronics to fix...

that is a big factor in your cars rating it receives

I didn't think about that. The Z4 is a fairly basic car by today's standards - one of the many appealing things about it.

Maybe the fact that it spent so much time in the shop and, therefore, never in on the road had something to do with it, too? Those insurance companies seem to know everything these days! :)

I am 55 and have a perfect record, my '03 3.0 Z4 has been cheaper to insure then my '03 Acura CLS, '05 C230 Sedan, and '08 C350.

I feel insurance premiums are very hard to compare. We even have different rates for the same driver, depending in what city he lives. I think all you can do is shop your data to various agents and see what they come up with.

Jorg

Jorg: You are right, shop until you get a quote that you can live with.

OBLU: Each insurer uses its own method in calculating insurance scores. They give different values to different risk chracteristics. In most cases the agent will not know what score the company rated you at. Getting quotes from several insurers is the way to get the best deal, of course that is if price is your only concern. Because you will get what you pay for. Cheap insurance is not a good thing when you need the company to settle a claim for you.

Hi stephensong:

You are so right. The devil is in the details. repairs can be done with new parts or used parts.

You agent is an important partner in these matters too.

Being a Long Term Client doesn't hurt either.

The lowest price is not necessary the best deal when it comes to insurance.

Jorg

It also helps to take advantage of a multi-line discount with a certain company. My homeowners insurance is with Unitrin Kemper and I was ineligible for their auto due to driving incidents. My fiance wound up insuring our home and auto together and we have an amazing homeowners policy that would blow your mind if you knew the coverages we had and premium we pay (especially on Long Island in the current homeowners insurance crisis), but she also got a great discount on the auto coverage. You could be looking at an additional savings of $500-1,000 a year combined. Definitely check it out :D Even a tenants policy if you rent or live at home with your parents qualifies for a multi-line discount with some companies.

Hi mbny:

Good point. The more policies you have with one agent the better the "bundled" price. It makes sense, maybe you have a claim on one policy and none on the others and as a whole, the insurance company is still making money on your policies.

A good agent should be able to give you a good price on all your insurance needs.

Jorg

costco ameriprise $419.90 semi annually
 

That's how much I paid for semi annual c300s. $250compr, $500coll, $100k/$300k bodily injury, $100K liability, $5K medical, $100K/$300K uninsured (just in case hit by stupid pips out there..ggrrrr).

My experience with Ameriprise so far has been great!!!

Good luck!

PS: Same policy with 08' 335i sedan/coupe about $150 more per 6 months

This thread is pointless...
 

I work in insurance and reading this thread was good for a laugh. What do you hope to glean from this thread? Cars have a specific rating and there are so many underwriting variables in how companies rate the combination of the two. Age, territory codes, credit scores, driving record, limits, deductibles.

So, back to my original thought....what is the point???! If someone creates a rating matrix from this information, go for it.

Precisely the point I was trying to make. Each person and each circumstance is different, so everybody is on his own to find a good agent, who helps him to find what is best for that specific client. There are way too many variables to come to a consensus.

Jorg

still not pointless... with the tons of variables aside, this thread still serves to give an IDEA of what to expect for people in similar circumstances as you, given they give certain details.... i know this is just a vague idea, but it helps to get a ballpark idea of where you MIGHT fall...

I am curious which insurance company is that? LM?

$580 for one year.

TEAShea
from Nebraska

I am very jealous of everyone...Move to the city....$ 3,500 a year