Lower Your 2003 Mercedes-Benz C-Class Insurance Rates

Trying to find lower insurance rates? Buyers have lots of choices when searching for affordable Mercedes-Benz C-Class insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to compare rates. There are more efficient ways to buy insurance so we’re going to tell you the best way to compare rates on a Mercedes-Benz and locate the lowest price from both online companies and local agents.

Mercedes-Benz C-Class rates are complex

It’s important that you understand some of the elements that play a part in calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” that factor into rates.

  • Do men or women drive better? – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Pleasure use saves money – The more miles you rack up on your Mercedes-Benz in a year’s time the higher your rate. Almost all companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. Make sure your insurance policy is rated on how each vehicle is driven, because it can save money. If your policy improperly rates your C-Class may be costing you.
  • Your location is important – Being located in less populated areas can save you money when it comes to insurance. Urban drivers have traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
  • Lower rates come with age – Teen drivers have a tendency to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Bump up deductibles to save – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Mercedes-Benz. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, or theft. Your deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for C-Class coverage.

How to Compare Car Insurance Costs

There are multiple methods to shop for 2003 Mercedes-Benz C-Class car insurance, but some are easier and takes less work. You can waste a lot of time driving to insurance agencies in your area, or you could use the internet to get pricing more quickly.

Most major companies enroll in a system that allows shoppers to submit their information once, and every company returns a competitive quote based on that data. This prevents consumers from doing quote forms to each individual car insurance company. To find out how much you’re overpaying now click to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose the providers you want pricing from. So if you want to choose specific providers to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just compare identical coverages and limits on every quote. If you enter different deductibles it will be next to impossible to find the best deal for your Mercedes-Benz C-Class.

The fine print in insurance ads

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise of big savings if you switch your policy.

But how can every company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of customer that earns them a profit. An example of a driver they prefer could be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Drivers who fall outside this ideal profile will have to pay higher rates which usually ends up with the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully make the claims of big savings. Because of the profiling, it’s extremely important to compare many company’s rates. It is impossible to predict the company that will have the lowest Mercedes-Benz C-Class insurance rates.

Discounts on Mercedes-Benz C-Class insurance

Companies don’t always advertise every available discount very well, so we break down some of the more common and the more hidden savings tricks you should be using. If you don’t get every credit possible, you are throwing money away.

  • Driver Safety – Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.
  • Own a Home – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
  • College Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurance companies with discount insurance coverage rates, click here to view.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Does coverage extend to my business vehicle?
  • How can I force my company to pay a claim?
  • Should I buy additional glass protection?
  • Do I have coverage when making deliveries for my home business?
  • Is my custom paint covered by insurance?
  • Is my 2003 Mercedes-Benz C-Class covered for smoke damage?
  • Am I covered by my spouse’s policy after a separation?
  • Does insurance cover damages from a DUI accident?
  • When should I buy a commercial auto policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverages and their meanings

Knowing the specifics of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability

This provides protection from damage that occurs to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s 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 coverage protects against things like structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, doctor visits, ambulance fees, hospital visits and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your C-Class resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz C-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane, hitting a deer, hitting a bird and fire damage. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

You can do this!

Lower-priced 2003 Mercedes-Benz C-Class insurance is possible on the web and with local insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

We covered quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with a small mutual company.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where someone sacrificed liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford.

Even more information is available in the articles below: