Cheap 2011 Mercedes-Benz C-Class Insurance Cost

Trying to find the cheapest auto insurance rates for your Mercedes-Benz C-Class? Have you had enough of being strong-armed to insure your Mercedes-Benz every month? Your situation is no different than many other drivers. Many auto insurance companies compete to insure your vehicles, so it can be very hard to choose a company to get the best rate

It is always a good idea to shop coverage around once or twice a year because prices are rarely the same from one policy term to another. If you had the best deal for C-Class coverage two years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online but by reading this article, you’re going to learn some of the best ways to buy auto insurance cheaper.

Don’t pay full price with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. Some trigger automatically at the time of purchase, but some must be requested specifically before you get the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for C-Class coverage.
  • No Claims – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for C-Class coverage with a few car insurance companies.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.

Keep in mind that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, car insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurers offering car insurance discounts, click here.

Mercedes-Benz C-Class rates are in the details

An important part of buying insurance is that you know the factors that help determine the price you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better insurance rates.

  • Are you male or female? – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Men and women are in accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Don’t get talked into coverage you don’t need – There are a lot of extra coverages that can waste your money when buying insurance. Coverages like rental car reimbursement, accident forgiveness and term life insurance are some examples. These may sound like a good investment at first, but if they’re wasting money get rid of them and save.
  • Rural vs Urban Areas – Living in small towns and rural areas can save you money when buying insurance. Lower population translates into fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have traffic congestion and much longer commute distances. Longer commute distances means more change of being in an accident.
  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Mercedes-Benz has ratings of a minimum four stars on or an “acceptable” rating on you may qualify for a discount.
  • Never go without insurance – Driving with no insurance is against the law and insurance companies will penalize you for letting your insurance expire. Not only will you pay more, getting caught without coverage may earn you a hefty fine and possibly a revoked license.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Is my babysitter covered when using my vehicle?
  • What is PIP insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • When can I cancel my policy?
  • Can I get a multi-policy discount?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I make deliveries for my home business?
  • How can I get high-risk coverage after a DUI?
  • Is pleasure use cheaper than using my 2011 Mercedes-Benz C-Class to commute?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Drivers who switch save $442 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings by Allstate, Geico and Progressive. They all seem to have a common claim about savings if you move to their company.

How does each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For instance, a profitable customer might be over the age of 50, owns a home, and has excellent credit. A propective insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t meet this ideal profile will have to pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save money. That’s why companies can truthfully advertise the savings.

Because of the profiling, drivers should compare many company’s rates. It’s not possible to predict which company will fit your personal profile best.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most car insurance policies.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, hitting a deer and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mercedes-Benz C-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means 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. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, pain and suffering and medical services. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses for funeral costs, EMT expenses, ambulance fees, X-ray expenses and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Be Smart and Buy Smart

Low-cost 2011 Mercedes-Benz C-Class insurance is possible on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered many tips how you can reduce insurance prices online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a lesser-known regional company. They may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

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