1994 Mercedes-Benz C-Class Insurance Rates

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.

Verify you’re getting all your discounts

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.

  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% for C-Class insurance.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.

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.

These factors can influence Mercedes-Benz C-Class insurance rates

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.

  • Do you know your deductibles? – The deductibles represent how much money you are required to spend before your auto insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims could be colliding with a building, damage caused by hail, and burglary. The more money you’re willing to pay, the lower your rates will be for C-Class insurance.
  • Having a spouse can save you money – Getting married can actually save you money on your auto insurance policy. It is viewed as being more mature and it’s proven that married drivers get in fewer accidents.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage when you are found liable for personal injury or accident damage. It will provide legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Women pay lower rates – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Women and men have accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If your Mercedes-Benz is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

When should I talk to an agent?

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.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my camper covered by my car insurance policy?
  • Do I really need UM/UIM coverage?
  • Where can I get insurance after a DUI in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is extra glass coverage worth it?

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.

Auto insurance coverage considerations

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.

More comparisons equals lower rates

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: