1995 Mercedes-Benz C-Class Insurance Quotes

Have you had enough of scraping the payment together to pay your car insurance bill each month? You are no different than many other consumers.

With consumers having so many online and local companies to choose from, it is very difficult to pick the lowest cost car insurance company.

It’s a good habit to shop coverage around quite often since insurance rates tend to go up over time. Just because you had the best deal for C-Class coverage a year ago there is a good chance you can find better rates now. There is a lot of wrong information about car insurance on the internet, so I’m going to show you some tested techniques to quit paying high car insurance rates.

This article will instruct you on how to get online quotes and some tricks to saving. If you currently have car insurance, you should be able to save some money using this strategy. But drivers do need to learn the way companies compete online and take advantage of how the system works.

The method we recommend to compare insurance rates in your area utilizes the fact most larger insurance companies participate in a system to give free rates quotes. To get started, all you need to do is provide a little information including what you do for a living, daily mileage, the type of vehicles you drive, and if you went to college. That information is automatically sent to many highly-rated insurers and they provide comparison quotes immediately.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. Most are applied at the time of purchase, but less common discounts must be requested specifically in order for you to get them.

  • Safety Course Discount – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • New Car Discount – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Multiple Cars – Insuring all your vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.

It’s important to note that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will cut the amount you have to pay.

To see a list of insurance companies with discount insurance coverage rates, click here.

Why your Mercedes-Benz C-Class might be costing you more

It’s important that you understand some of the elements that help determine the price you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get big savings.

The following are a few of the “ingredients” that factor into your rates.

  • Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. These vehicles reduce injuries and fewer injuries means lower claim amounts and lower rates for you. If the Mercedes-Benz C-Class scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Occupation reflects on rates – Careers like judges, architects and stock brokers tend to pay the highest rates in part from high stress and long work hours. On the other hand, occupations such as farmers, students and retirees have the lowest average rates for C-Class coverage.
  • Having a spouse can save you money – Getting married actually saves money when buying car insurance. It usually means you are more mature it has been statistically shown that being married results in fewer claims.
  • Drive less and save money – The more miles you rack up on your Mercedes-Benz each year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on their usage. Cars that are left in the garage qualify for better rates than those used for commuting. Verify your car insurance policy is showing how each vehicle is driven. Incorrect usage on your C-Class can cost quite a bit.
  • Where you live is a factor – Being located in a rural area can be a good thing when it comes to car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities have to deal with much more traffic to deal with and much longer commute distances. More time on the road means higher likelihood of an accident.

When should I use an insurance agent?

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Is my teenager covered with friends in the car?
  • Is business property covered if stolen from my car?
  • How can I force my company to pay a claim?
  • Do I need higher collision deductibles?
  • Does my personal policy cover me when driving out-of-state?
  • When should I remove comp and collision on my 1995 Mercedes-Benz C-Class?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverage specifics

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from flooding, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Coverage for liability

Liability insurance can cover damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, medical services, medical expenses and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford.

Auto collision coverage

This coverage pays for damage to your C-Class resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, rolling your car, damaging your car on a curb, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, hospital visits, doctor visits and dental work. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Low-cost 1995 Mercedes-Benz C-Class insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

You just learned a lot of techniques to reduce insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the best price on insurance coverage is with the least-expected company. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

Much more information about insurance coverage can be read below: