View 2018 Mercedes-Benz C-Class Insurance Rates

Are you kicking yourself for buying high-priced auto insurance? You’re preaching to the choir because there are many drivers thinking the same thing.

Big-name insurance companies like State Farm, Geico and Farmers Insurance all promote huge savings with ads and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have car insurance now, you will most likely be able to save some money using these methods. Finding affordable coverage is easy if you know what you’re doing. But consumers should learn how big insurance companies determine prices and take advantage of how the system works.

The method we recommend to compare insurance rates in your area utilizes the fact most larger insurance companies allow for online access to give you rate quotes. The only thing you need to do is give them rating details including any included safety features, whether you are married, driver ages, and what your job is. Your rating data gets transmitted to insurance carriers in your area and they provide comparison quotes instantly to find the best rate.

Use discounts on car insurance

Car insurance is not an enjoyable expense, but you may find discounts that can drop the cost substantially. Certain reductions will be credited at the time of purchase, but a few must be requested specifically prior to getting the savings.

  • Defensive Driver Discounts – Completing a defensive driving course can save you 5% or more if your company offers it.
  • Responsible Driver Discounts – Insureds without accidents can save as much as half off their rates for C-Class coverage than their less cautious counterparts.
  • Professional Organizations – Belonging to qualifying clubs or civic groups could trigger savings on your next car insurance statement.
  • Multiple Cars – Buying insurance for multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices help deter theft and therefore earn up to a 10% discount.
  • Discount for Multiple Policies – If you can bundle your home and auto insurance with the same insurance company you could earn a discount of at least 10% off all policies.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Own a Home and Save – Simply owning a home can save a few bucks because maintaining a house is proof that your finances are in order.
  • Service Members Pay Less – Being deployed in the military can result in better rates.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates due to less chance of an accident.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works.

Auto insurance companies who may offer these discounts are:

When comparing rates, check with every insurance company which discounts can lower your rates. Some discounts may not be offered in your area. To see insurers that provide some of the discounts listed above, click here.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine if your situation might need an agent’s assistance.

  • How high should deductibles be on a 2018 Mercedes-Benz C-Class?
  • Am I getting all the discounts available?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can my babysitter drive my car?
  • I don’t drive much so do I pay less?
  • Do I need added coverage for expensive stereo equipment?
  • Should I buy additional glass protection?
  • What if I don’t agree with a claim settlement offer?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

What determines Mercedes-Benz C-Class insurance prices?

Many things are part of the equation when you get your auto insurance bill. Some are obvious such as traffic violations, but other criteria are less apparent like your continuous coverage or your financial responsibility.A large part of saving on auto insurance is knowing a few of the rating criteria that help determine your policy premiums. If you know what impacts premium levels, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Rate your vehicle for proper use – The higher the mileage driven every year the more you’ll pay to insure it. A lot of companies charge to insure your cars partially by how you use the vehicle. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. An improperly rated C-Class is just wasting money. It’s a smart idea to ensure your vehicle rating shows annual mileage.
  • Safer cars means better premiums – Safer cars tend to be cheaper to insure. Highly rated vehicles protect occupants better and reduced instances of injuries means less claims paid and lower rates for you.
  • Gender is a factor – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better at driving than males. Males and females cause auto accidents at a similar rate, but the men have costlier accidents. Men also tend to get higher numbers of serious violations like reckless driving and DUI.
  • Vehicle theft costs us all – Owning a car with a theft deterrent system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your car from being stolen.
  • Small coverages can add up – Policies have additional extra coverages you can purchase if you aren’t diligent. Insurance for things like personal injury protection, towing coverage, and membership fees may be costing you every month. These may sound like a good investment when deciding what coverages you need, but if you have no use for them get rid of them and save.
  • Adjust coverage deductibles and save – Your deductibles tell how much you are willing to pay if you file a covered claim. Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of covered claims are collision with another vehicle, collision with a deer, and having a roll-over accident. The more expense you have to pay, the lower your rates will be for C-Class coverage.
  • Job can influence auto insurance rates – Jobs like fire fightersair traffic controllers and emergency personnel tend to pay the highest average rates attributed to stressful work requirements and lengthy work days. Conversely, careers like actors, athletes and the unemployed get better rates for C-Class coverage.
  • Careless drivers pay higher premiums – Careful drivers pay less for auto insurance compared to bad drivers. Having just one driving citation can increase rates substantially. Drivers who have serious citations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state in order to drive a vehicle legally.

Insurance policy specifics

Understanding the coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. 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 most insurance policies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for nursing services, prosthetic devices, doctor visits, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision – This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, rolling your car, crashing into a building, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM Coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance – This coverage can cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a deer, vandalism and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop Smart and Save

More affordable car insurance is possible online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer price quotes online and these smaller providers work with local independent agents.

When getting auto insurance quotes online, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

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