2013 Mercedes-Benz C-Class Insurance Cost

Want the cheapest insurance coverage rates for your Mercedes-Benz C-Class? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? Your situation is no different than most other car owners. Consumers have many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it can be more difficult to adequately compare rates.

It’s important to get comparison quotes occasionally because insurance rates are rarely the same from one policy term to another. Even if you got the lowest rates for C-Class coverage a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because we’re going to demonstrate the proper way to find great coverage at a great price.

Mercedes-Benz C-Class rates influenced by many factors

It’s important that you understand the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get better car insurance rates.

The list below includes a few of the “ingredients” car insurance companies consider when setting your rates.

Poor credit can mean higher rates – A driver’s credit history is a important factor in calculating your car insurance rates. If your credit is not that good, you could pay less to insure your 2013 Mercedes-Benz C-Class by spending a little time repairing your credit. People with high credit scores tend to be more responsible than drivers with lower credit scores.
More than one policy can earn a discount – Many insurers will award you with lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, you still need to shop around to verify if the discount is saving money.
Your car’s features help determine rates – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
Where you live is a factor – Residing in a rural area can save you money when talking about car insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
High numbers of claims are not good – Auto insurance companies provide lower rates to people who file claims infrequently. If you file claims often, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Vehicle Insurance Comparison

Finding cheaper 2013 Mercedes-Benz C-Class auto insurance prices is actually quite simple. The only thing you need to do is spend a little time comparing price quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

Probably the best way to get quotes for comparison is a comparison rater form click here to open form in new window. This type of form eliminates the need for a different quote for each company you want a rate for. In just a few minutes this one form gets you price quotes instantly.

A harder way to compare rate quotes is spending the time to visit the website for each individual company and request a quote. For instance, let’s assume you want to compare Progressive, Esurance and Liberty Mutual. You would have to visit each site and enter your information, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

Whichever way you use, make absolute certain that you use apples-to-apples coverage limits for each comparison quote. If you enter different values for each quote it will be impossible to truly determine the lowest rate.

Companies offer discounts so take them!

Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden insurance savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
Discounts for Safe Drivers – Safe drivers may save up to 50% more for C-Class coverage than drivers with accident claims.
Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for C-Class coverage depending on your company.
Organization Discounts – Belonging to a professional or civic organization could qualify you for a break when shopping for insurance for C-Class coverage.
55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for C-Class coverage.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

Car insurance companies that may offer these benefits may include but are not limited to:

Double check with every prospective company what discounts are available to you. Discounts may not be available in your state.

Do I just need basic coverages?

When buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine whether you may require specific advice.

When does my teenage driver need to be added to my policy?
Do I need higher collision deductibles?
When can I cancel my policy?
What companies insure drivers after a DUI or DWI?
Is extra glass coverage worth it?
Does car insurance cover theft of personal property?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Specific coverage details

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by auto insurance companies.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as pain and suffering, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, falling objects and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as funeral costs, chiropractic care and doctor visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Mercedes-Benz C-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

In Summary

Lower-priced 2013 Mercedes-Benz C-Class insurance can be found both online as well as from independent agents, and you should be comparing both to have the best selection. Some insurance providers don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

We just covered a lot of information how to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the most savings is with a small local company. These companies can often provide lower rates in certain areas compared to the large companies like Allstate, Geico and Progressive.