2002 Mercedes-Benz C-Class Insurance Cost – 7 Ideas for Cheaper Prices

Looking for better insurance rates for your Mercedes-Benz C-Class? Shopping for the lowest cost insurance over the internet can be intimidating for consumers not familiar with shopping for insurance online. With dozens of companies competing online, how can you have a chance to compare every company to locate the best available rates?

Buying car insurance is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. But consumers do need to learn how the larger insurance companies market insurance on the web and apply this information to your search.

How to Buy Auto Insurance Online

All the larger auto insurance companies such as State Farm, Allstate and Geico give prices directly from their websites. Getting quotes is pretty easy as you simply type in your personal and coverage information into the quote form. When the form is submitted, the company’s rating system obtains reports for credit and driving violations and provides a quote determined by many factors.

This helps simplify price comparisons, but the work required to visit different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to do this in order to find the best price on auto insurance.

The easiest way to get multiple rate quotes uses one form that analyzes rates from more than one company. This type of form saves time, eliminates repetitive work, and makes online shopping much more efficient. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any one of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To find out how much you can save on auto insurance, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you copy your coverages exactly as shown on your declarations page. This guarantees you will have a rate comparison based on identical coverages.

Discounts on 2002 Mercedes-Benz C-Class insurance

Companies don’t necessarily list every available discount very clearly, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.

  • Student in College – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a set time period.
  • Homeowners Discount – Owning a house may trigger a insurance coverage policy discount because of the fact that having a home shows financial diligence.

It’s important to note that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. Just because you may think you could get a free insurance coverage policy, it just doesn’t work that way.

Car insurance companies that may have some of the above discounts may include but are not limited to:

It’s a good idea to ask every prospective company how you can save money. Savings may not apply in your state.

Tailor your coverage to you

When buying the best insurance coverage coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions can help discover whether your personal situation may require specific advice.

  • Where can I get insurance after a DUI in my state?
  • What if I don’t agree with a claim settlement offer?
  • What if I owe more than I can insure my car for?
  • Will my insurance pay for OEM parts?
  • What are the financial responsibility laws in my state?
  • When can my company non-renew my policy?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Educate yourself about car insurance coverages

Knowing the specifics of car insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird, vandalism and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision coverage will pay to fix damage to your C-Class resulting 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 can pay for things like sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability car insurance

This provides protection from injuries or damage you cause to people or other property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, medical services and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, X-ray expenses, chiropractic care and dental work. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mercedes-Benz C-Class.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

In Summary

Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, policy non-renewal, lack of trust in their agent or questionable increases in premium. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

We just covered a lot of tips how to reduce 2002 Mercedes-Benz C-Class insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a small mutual company.

Budget-conscious insurance is definitely available from both online companies 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. A few companies may not provide online quoting and these smaller companies work with independent agents.

Even more information is available at these sites: