View 2004 Mercedes-Benz C-Class Insurance Quotes

Looking for the cheapest insurance rates for your Mercedes-Benz C-Class? Finding the cheapest insurance for your Mercedes-Benz C-Class can normally be a painful process, but you can use a few tricks to make it easier. There is a better way to shop for insurance and we’ll show you the proper way to price shop coverage for a new or used Mercedes-Benz and find the lowest price from local insurance agents and online providers.

You need to get comparison quotes before your policy renews since rates are rarely the same from one policy term to another. Just because you had the lowest price for C-Class insurance a couple years back you can probably find a better price now. There is a lot of bad information regarding insurance online but I’m going to show you some great ideas on how to find cheap insurance.

If you have a policy now or need new coverage, you will benefit by learning to find the best rates and possibly find even better coverage. Shopping for the lowest cost coverage is quite easy. Drivers just need to know the best way to buy insurance coverage over the internet.

Mercedes-Benz C-Class rate determination is complex

Consumers need to have an understanding of the factors that come into play when calculating insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with lower insurance prices.

  • Protect yourself with liability coverage – Liability insurance provides coverage when you are found liable for personal injury or accident damage. Liability provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Multi-policy discounts can save money – The majority of insurers will award you with lower prices to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, you may still want to compare rates to make sure you are getting the best deal.
  • Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Drive a safer car and pay less – Safer cars can get you lower premiums. Safe vehicles reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If the Mercedes-Benz C-Class is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Bad driving skills means higher rates – Drivers who don’t get tickets get better rates compared to drivers with tickets. Just one citation can bump up the cost twenty percent or more. Drivers with flagrant tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

Do you qualify for discounts?

Car insurance companies don’t always advertise every available discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on auto insurance. If you aren’t receiving every discount available, you are paying more than you should be.

  • Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates on auto insurance for C-Class insurance.
  • Paperwork-free – Some insurance companies will give a small break for buying a policy and signing up online.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% off your medical payments premium.
  • Good Student Discount – Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.

It’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

To see a list of insurance companies with discount auto insurance rates, follow this link.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads that promise big savings by companies like 21st Century, Allstate and State Farm. They all make the same claim of big savings if you move to them.

But how can every company claim to save you money?

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured could be between the ages of 40 and 55, owns a home, and has a short commute. A customer getting a price quote who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential customers who do not match these standards will have to pay higher premiums and this can result in business not being written. The ad wording is “people who switch” not “people who quote” save that kind of money. This is how insurance companies can advertise the way they do. Because of the profiling, it is so important to compare as many rates as you can. It’s impossible to know the company that will fit your personal profile best.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Can I make deliveries for my home business?
  • When should I drop full coverage on my 2004 Mercedes-Benz C-Class?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is pleasure use cheaper than using my 2004 Mercedes-Benz C-Class to commute?
  • Is rental equipment covered for theft or damage?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills for things like hospital visits, dental work, chiropractic care and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2004 Mercedes-Benz C-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage – This covers damage to your C-Class caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance – Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things like emergency aid, repair bills for other people’s vehicles, court costs, medical expenses and funeral expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, vandalism, falling objects and a broken windshield. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Save for a rainy day

Cheaper 2004 Mercedes-Benz C-Class insurance can be found on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

You just read a lot of ways to save on insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with the smaller companies.

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. In many instances, someone dropped collision coverage only to discover later that they should have had better coverage. Your aim should be to buy enough coverage at an affordable rate while still protecting your assets.

More detailed car insurance information is located at these sites: