Compare 2015 Mercedes-Benz C-Class Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Believe me, you’re not alone.

Because there are so many options, it can be hard to find the right company.

It’s a good idea to do rate comparisons occasionally since rates go up and down regularly. Just because you had the lowest rates on C-Class insurance a few years ago you can probably find a better price now. There is too much inaccurate information about insurance coverage online, so we’re going to give you some guaranteed methods to find affordable insurance coverage.

Discounts can save BIG

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Certain discounts will be applied at the time of purchase, but a few need to be asked about before you get the savings.

  • Senior Discount – If you qualify as a senior citizen, you may qualify for better auto insurance rates on C-Class insurance.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiring. It can save you around 10%.

It’s important to understand that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. But any discount will help reduce your overall premium however.

To see a list of companies offering auto insurance discounts, click here to view.

Elements that influence Mercedes-Benz C-Class insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with big savings.

Shown below are a partial list of the pieces that factor into rates.

  • Never allow your policy to lapse – Allowing your coverage to lapse will be a fast way to bump up your insurance coverage costs. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Men and women cause accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
  • How credit affects insurance coverage rates – Your credit rating is a huge factor in calculating your insurance coverage rates. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit score can use some improvement, you could potentially save money when insuring your 2015 Mercedes-Benz C-Class by repairing your credit.
  • Consolidate policies to earn discounts – Most companies provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to make sure you are getting the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Protect your assets with liability insurance – The liability section of your policy is the coverage that protects you when a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.

Will just any policy work for me?

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For example, these questions could help you determine whether or not you may require specific advice.

  • How much liability coverage do I need in my state?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is business property covered if stolen from my car?
  • What is the ISO rating for a 2015 Mercedes-Benz C-Class?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your C-Class from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, crashing into a ditch, colliding with another moving vehicle, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for funeral costs, prosthetic devices, ambulance fees, hospital visits and surgery. They are often used to fill the gap from your health insurance program 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 is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for 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. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical expenses, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Uninsured and underinsured coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants 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, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass, hail damage, theft and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy online or local, you save

We just covered quite a bit of information on how to save on 2015 Mercedes-Benz C-Class insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even find the best prices are with the smaller companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

Lower-priced insurance is definitely available on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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