Searching for the cheapest insurance rates for your Mercedes-Benz C-Class? Sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than millions of other consumers.
With consumers having so many insurance companies to choose from, it’s nearly impossible to choose the lowest cost insurance company.
Finding affordable coverage is quite easy. Essentially every vehicle owner who buys insurance should be able to find lower rates. But vehicle owners must know how insurance companies sell insurance online and use this information to your advantage.
Companies offering auto insurance don’t always publicize all available discounts in an easy-to-find place, so here is a list some of the best known and the more hidden savings tricks you should be using.
It’s important to note that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.
Car insurance companies that may have these discounts include:
It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply everywhere.
There are several ways of comparing price quotes from car insurance companies in your area. The easiest way by far to find the lowest 2009 Mercedes-Benz C-Class rates is to use the internet to compare rates. This can be done using a couple different methods.
The recommended way to find low rates would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for multiple quote forms for each company you want a rate for. Taking the time to complete one form gets rate comparisons from several companies.
A different way to shop for car insurance online requires visiting each individual company website to complete a price quote. For sake of this example, we’ll assume you want rates from Nationwide, Progressive and Liberty Mutual. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The hardest method of getting rate comparisons is driving around to insurance agents’ offices. Shopping for car insurance online makes this process obsolete unless you prefer the professional advice of a local agent. You can, however, get prices online and get advice from an agent in your area and you’ll learn how to do that later.
Whichever method you choose, be sure to compare the exact same coverages and limits for every company. If you compare unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Mercedes-Benz C-Class. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, quoting more helps you find the best rates.
When it comes to buying the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help highlight whether your personal situation might need professional guidance.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.
Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, 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.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for surgery, X-ray expenses, pain medications, nursing services and ambulance fees. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible
Liability insurance – Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability insurance covers claims such as attorney fees, medical expenses and emergency aid. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.
Comprehensive insurance – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as hitting a bird, hail damage, a broken windshield and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz C-Class.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
We just covered many ideas to shop for 2009 Mercedes-Benz C-Class insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest premiums are with an unexpected company. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.
Cheaper insurance is possible on the web in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.
When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. In many cases, an insured dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
Additional detailed information is available at these sites: