Save on 1999 Mercedes-Benz C-Class Car Insurance Rates

I can’t think of a single person who looks forward to paying for insurance coverage, especially when their premiums are too high. There are many insurers to purchase coverage from, and although it’s a good thing to have a choice, it can be more challenging to find the best rates.

Consumers need to take a look at other company’s rates every six months because insurance rates are rarely the same from one policy term to another. Just because you had the lowest rates on C-Class coverage a few years ago you can probably find a better price now. You can find a lot of wrong information about insurance coverage on the internet, so I’m going to show you a bunch of ideas how to find cheap insurance coverage.

Do you qualify for discounts?

Companies don’t necessarily list every available discount in a way that’s easy to find, so we researched both well-publicized as well as the least known ways to save on insurance coverage. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Homeowners Discount – Being a homeowner can help you save on insurance coverage because owning a home shows financial diligence.
  • 55 and Retired – Older drivers may receive better insurance coverage rates on C-Class coverage.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Drive Safe and Save – Safe drivers may save up to 50% more on C-Class coverage than drivers with accidents.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

For a list of providers with discount insurance coverage rates, follow this link.

How to Compare Car Insurance

Finding cheaper 1999 Mercedes-Benz C-Class car insurance prices is not a difficult process. The only thing you need to do is take a couple of minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The single most time-saving way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This form keeps you from doing separate quotes for every car insurance company. A single, simple form will get you price quotes from several companies.
  2. A more time consuming way to find lower rates is to manually visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s say you want rates from Nationwide, Progressive and Farmers. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make sure you use the exact same coverage information for each comparison quote. If your comparisons have differing limits you will not be able to make a fair comparison for your Mercedes-Benz C-Class.

Factors that can influence insurance rates for a Mercedes-Benz C-Class

It’s important that you understand the rating factors that help determine insurance coverage rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with better insurance coverage rates.

The following are a few of the “ingredients” used by your company to calculate rates.

  • Extra add-on coverages are wasting money – There are a ton of extra bells and whistles you can purchase if you aren’t careful. Coverages like rental car reimbursement, better glass coverage and membership fees may be costing you every month. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
  • Safer cars are cheaper to insure – Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mercedes-Benz C-Class earned at least four stars on or an “acceptable” rating on you may qualify for a discount.
  • Adjust deductibles and save – Physical damage coverage, also known as collision and other-than-collision, protects your Mercedes-Benz from damage. Some examples of claims that would be covered would be a windshield shattered by a rock, collision with an animal, or theft. The deductibles are the amount of money you are willing to pay in the event of a claim. The more money the insured has to pay upfront, the lower your rates will be on C-Class coverage.
  • Frequent insurance coverage claims increase rates – Auto insurance companies give cheaper rates to insureds who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Multi-policy discounts can save money – Many companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to confirm you are receiving the best rates possible.
  • Your spouse saves you money – Being married helps lower the price when buying insurance coverage. Marriage translates into being more mature and responsible and it’s proven that drivers who are married are more cautious.

Don’t assume everyone needs the same coverage

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I break a side mirror?
  • Is a fancy paint job covered?
  • Am I covered when driving in Canada or Mexico?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Learn about insurance coverages for a Mercedes-Benz C-Class

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.


This coverage will cover damage that occurs to other people or property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like court costs, medical expenses, bail bonds, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses such as X-ray expenses, dental work, rehabilitation expenses, nursing services and ambulance fees. They are used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, fire damage, damage from a tornado or hurricane, rock chips in glass and hitting a deer. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mercedes-Benz C-Class.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for collisions

This coverage will pay to fix damage to your C-Class resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Power to the consumer

We just presented quite a bit of information on how to reduce 1999 Mercedes-Benz C-Class insurance prices online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with the smaller companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford.

The cheapest insurance is possible on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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