Save on 2017 Mercedes-Benz C-Class Car Insurance Cost

Finding better insurance prices for your Mercedes-Benz C-Class can normally be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to get price quotes for a new or used Mercedes-Benz and find the lowest possible price either online or from local insurance agents.

It is always a good idea to compare prices on a regular basis since prices are adjusted regularly by insurance companies. Just because you found the best price on C-Class insurance a couple years back you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the fastest way to find better rates and still maintain coverage.

The quickest way to get policy rate comparisons is to take advantage of the fact almost all companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details like if you have a valid license, level of coverage desired, how old drivers are, and if you lease or own. That information is instantly submitted to multiple companies and you receive quotes instantly to find the best rate.

Earn discounts on car insurance

The cost of insuring your cars can be expensive, but you may find discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you purchase, but a few must be manually applied in order for you to get them.

• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more on medical payment and PIP coverage.
• Early Renewal Discounts – A few larger companies give discounts for renewing your policy before your current policy expires. It could save around 10% when you buy auto insurance online.
• Air Bag Discount – Factory options such as air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Own a Home and Save – Owning your own home or condo can save a few bucks because of the fact that having a home is proof that your finances are in order.
• Active Service Discounts – Having an actively deployed family member could qualify you for better car insurance rates.
• Federal Employees – Active or former government employment can save as much as 8% on C-Class insurance with select insurance companies.
• Telematics Devices – Drivers who elect to allow data collection to monitor driving habits by using a telematic data system such as Progressive’s Snapshot may see discounts as long as they are good drivers.

One last thing about discounts, many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Larger car insurance companies and some of the premium reductions they offer are shown below.

• Progressive has discounts for online quote discount, homeowner, multi-vehicle, online signing, and multi-policy.
• Farmers Insurance policyholders can earn discounts including alternative fuel, electronic funds transfer, pay in full, mature driver, teen driver, and good student.
• Farm Bureau has savings for driver training, 55 and retired, renewal discount, multi-policy, and youthful driver.
• State Farm discounts include passive restraint, defensive driving training, multiple autos, good driver, driver’s education, student away at school, and multiple policy.
• Geico offers discounts including defensive driver, membership and employees, five-year accident-free, federal employee, and daytime running lights.
• SAFECO may offer discounts for accident prevention training, anti-lock brakes, multi-car, homeowner, and teen safety rewards.
• Liberty Mutual offers premium reductions for safety features, teen driver discount, new graduate, hybrid vehicle, multi-policy, and multi-car.

When comparing rates, check with all the companies to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in your area. To choose insurers with the best discounts, click here.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions may help highlight if your insurance needs will benefit from professional help.

• Can I pay claims out-of-pocket if I buy high deductibles?
• What is an SR-22 filing?
• Why am I required to buy liability insurance?
• Am I covered when delivering products for my home-based business?
• Do I need added coverage for expensive stereo equipment?
• I don’t drive much so do I pay less?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Informed drivers can lower their insurance rates

A large part of saving on car insurance is knowing some of the things that are used to determine your premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can help you get lower rates.

The factors shown below are a few of the “ingredients” used by insurance companies to determine your rate level.

• Insure your auto and home with one company – Lots of companies afford discounts to customers that have more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to get quotes from other companies to help ensure you have the lowest rates. Consumers may save even more than the discount by insuring with multiple companies.
• Lower prices with GPS tracking and theft deterrents – Buying a car with an alarm system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
• Better prices on safer vehicles – Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy.
• Single drivers take more risk – Having a wife or husband can actually save you money when shopping for car insurance. It may mean you are more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
• Insurance companies don’t like frequent insurance claims – If you are the type of insured that files lots of claims you should expect increased rates or even have your policy non-renewed. Companies give better rates to people who are claim-free. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
• Long commutes cost more – The more you drive annually the more you will pay for car insurance. Most companies apply a rate based on their usage. Autos that do not get driven very much receive lower rates than those that get driven frequently. Having an incorrect usage rating on your C-Class is just wasting money. Make sure your car insurance coverage properly reflects the correct driver usage, because improper ratings can cost you money.
• Extra coverages that may not be needed – There are a lot of extra bells and whistles that you can get tricked into buying on your car insurance policy. Coverage for things like coverage for rental cars, towing coverage, and motor club memberships are examples of these. You may think they are a good idea when deciding what coverages you need, but now you might not need them so remove them and pocket the money.
• Older drivers are lower risk – Young drivers have been known to be less responsible in a vehicle so car insurance rates are higher. Older insureds are more responsible, tend to cause fewer accidents and receive fewer citations.

What auto insurance coverages do you need?

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability

This provides protection from damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, pain and suffering, legal defense fees, court costs and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz C-Class.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, chiropractic care, hospital visits, pain medications and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, damage from flooding, hitting a deer, fire damage and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your C-Class from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, colliding with another moving vehicle, hitting a parking meter, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Smart shoppers get results

In this article, we presented many ideas to lower your 2017 Mercedes-Benz C-Class insurance car insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best car insurance rates are with a smaller regional carrier.

A few companies do not offer internet price quotes and these smaller companies only sell through local independent agencies. Budget-friendly insurance coverage is definitely available on the web and from local insurance agents, so you should compare both to get a complete price analysis.

As you quote auto insurance, make sure you don’t buy less coverage just to save a little money. Too many times, an accident victim reduced comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The proper strategy is to get the best coverage possible for the lowest cost while still protecting your assets.

To read more, feel free to browse the following helpful articles:

• Rollover Crash FAQ (iihs.org)
• Teen Driving Statistics (Geico)
• State Laws for Cellphones and Texting (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)