Looking for lower auto insurance rates for your Mercedes-Benz C-Class? Are you confused by the number of auto insurance choices? You’re not alone. Drivers have so many choices that it can easily become a big hassle to find the perfect company for you.
Companies that sell car insurance don’t list every available discount very clearly, so we researched both well-publicized as well as the least known savings tricks you should be using.
It’s important to understand that most credits do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like you could get a free insurance policy, it doesn’t quite work that way.
To see a list of providers who offer insurance discounts, click here to view.
There are several ways to compare Mercedes-Benz C-Class insurance coverage prices but some are less time-consuming than others. You could spend your day driving to insurance companies in your area, or you could save time and use the internet for quick rates.
Most car insurance companies enroll in a system where insurance shoppers send in one quote, and at least one company provides a quote determined by their information. This system prevents you from having to do quote requests to each company.
To get comparison pricing now click here to start a free quote.
One minor caviat to comparing rates this way is buyers cannot specifically choose the providers to get quotes from. If you prefer to choose specific providers to compare, we have a listing of companies who write insurance coverage in your area. Click here to view list.
Which method you use is up to you, but ensure you’re using apples-to-apples coverages and limits for every quote you compare. If the quotes have different limits and deductibles on each one it’s not possible to truly determine the lowest rate. Having just a slight variation in insurance coverages may result in a large different in cost. And when price shopping your coverage, getting more free quotes gives you a better chance of getting better pricing.
When choosing proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different.
Here are some questions about coverages that could help you determine if you might need professional guidance.
If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.
Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.
Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like pain medications, chiropractic care, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
This will cover damage that occurs to a person or their property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like court costs, loss of income, emergency aid, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mercedes-Benz C-Class.
Since a lot of drivers have only the minimum liability required by law, 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.
This coverage 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 then your collision coverage will kick in.
Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Affordable 2014 Mercedes-Benz C-Class insurance can be purchased online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
Consumers who switch companies do it for a number of reasons such as questionable increases in premium, unfair underwriting practices, extreme rates for teen drivers and even not issuing a premium refund. No matter why you want to switch, finding a new company can be pretty painless.
As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at the best price while still protecting your assets.