Locating better insurance prices for a new or used Mercedes-Benz C-Class could be a painful process, but you can learn a few tricks and make it easy.
There are more efficient ways to buy auto insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Mercedes-Benz and locate the cheapest rates from both online companies and local agents.
It’s a good habit to shop coverage around at least once a year because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price for C-Class insurance a couple years back there may be better deals available now. There is a lot of wrong information about auto insurance online but with this article, you’re going to get some of the best ways to put money back in your pocket.
Car insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but some must be manually applied before being credited. If you’re not getting every credit available, you are throwing money away.
It’s important to note that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will cut the cost of coverage.
Companies who might offer these money-saving discounts include:
Double check with each insurance company which discounts you may be entitled to. Savings might not apply in your state.
Consumers need to have an understanding of the factors that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.
When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.
If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Learning about specific coverages of auto insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Medical costs insurance – Coverage for medical payments and/or PIP pay for bills like chiropractic care, ambulance fees and nursing services. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like rock chips in glass, a broken windshield, hail damage, damage from getting keyed and hitting a bird. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision coverage – Collision coverage pays for damage to your C-Class from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like crashing into a ditch, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.
Liability car insurance – This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. It does not 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 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as court costs, structural damage, medical expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists 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.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.
When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. There are too many instances where drivers have reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.
Insureds who switch companies do it for a variety of reasons including denial of a claim, poor customer service, an unsatisfactory settlement offer and policy cancellation. It doesn’t matter what your reason, switching companies can be pretty painless.
We just presented a lot of information how to lower your 1994 Mercedes-Benz C-Class insurance rates. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a small mutual company.
Additional insurance coverage information is located on the following sites: