View 1995 Mercedes-Benz C-Class Insurance Quotes

Looking for better car insurance rates for your Mercedes-Benz C-Class? Purchasing the lowest price car insurance on the internet may seem to be problematic for consumers who are new to comparison shopping on the web. Because there are so many insurance companies available, how can drivers have time to compare all the different companies and get better car insurance prices?

Smart consumers take time to compare rates as often as possible since rates change frequently. Despite the fact that you may have had the best deal on C-Class insurance at your last renewal you can probably find a better price now. You can find a lot of wrong information about car insurance online, but in a few minutes you can learn some proven techniques to lower your car insurance rates.

Informed drivers can reduce insurance rates

An important part of buying insurance is that you know a few of the rating criteria that go into determining the rates you pay for auto insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that may reward you with lower rates. Multiple criteria are considered when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but others are more obscure like your vehicle usage or how financially stable you are.

  • Deter vehicle theft – Choosing a vehicle that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft.
  • Low stress employer equals lower rates – Did you know your job can affect your rates? Occupations such as judges, architects and stock brokers generally pay higher average rates because of high stress and long work days. Conversely, jobs like professors, students and homemakers have lower than average premiums on C-Class insurance.
  • Premiums are affected by your credit rating – Credit score can be an important factor in determining what you pay. If your credit history is not that good, you could potentially save money when insuring your 1995 Mercedes-Benz C-Class by taking the time to improve your credit score. People that have excellent credit tend to file fewer claims than drivers with bad credit.
  • City traffic equals higher costs – Choosing to live in a rural area has it’s advantages when buying auto insurance. Urban drivers regularly have more aggressive driving styles and higher rates of accident claims. Lower population means fewer accidents and a lower car theft rate.
  • More policies can equal more savings – Most companies give lower prices to buyers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to as much as ten percent or more Even if you already get this discount, it’s still a good idea to get quotes from other companies to guarantee you are still saving the most.
  • Too many auto insurance claims will drive prices up – Auto insurance companies generally give lower rates to people that do not abuse their auto insurance. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Insurance coverage is intended for claims that pose a financial burden.
  • Liability insurance – Your policy’s liability coverage is the coverage that protects you if you are found to be at fault for causing personal injury or damage in an accident. It provides legal defense starting from day one. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Continuous auto insurance coverage saves money – Driving your car without having proper coverage is illegal and any future policy may cost more because you let your coverage have a gap. In addition to paying higher premiums, not being able to provide proof of insurance can result in a steep fine or even jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Save money with these auto insurance discounts

Companies don’t always advertise every discount they offer in an easy-to-find place, so we break down some of the best known and the more hidden auto insurance savings.

  • Multiple Vehicles – Buying insurance for multiple cars on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Home Ownership Discount – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof that your finances are in order.
  • Student Driver Training – Have your child enroll and complete driver’s education in high school.
  • Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease on C-Class insurance with a few auto insurance companies.
  • Defensive Driving Course – Taking a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.
  • Low Mileage Discounts – Low annual miles can qualify you for discounted rates on garaged vehicles.
  • Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
  • Telematics Data – Drivers who elect to allow data collection to monitor driving manner by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they are good drivers.

You should keep in mind that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride.

A list of auto insurance companies and some of the discounts are shown below.

  • American Family includes discounts for TimeAway discount, good driver, good student, Steer into Savings, bundled insurance, and early bird.
  • State Farm discounts include anti-theft, accident-free, passive restraint, driver’s education, safe vehicle, good driver, and good student.
  • 21st Century offers discounts for defensive driver, homeowners, 55 and older, anti-lock brakes, and theft prevention.
  • Travelers policyholders can earn discounts including continuous insurance, good student, home ownership, payment discounts, and IntelliDrive.
  • GEICO offers discounts including federal employee, good student, defensive driver, driver training, membership and employees, and air bags.

Double check with every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your area. To locate insurance companies with discount rates, click here.

The auto insurance bait and switch

Auto insurance providers like State Farm, GEICO and Progressive seem to constantly run ads in print and on television. They all advertise the message about how much you will save if you move your policy. Is it even possible that every company can charge less that you’re paying now? Here is how they do it.

Most companies provide the lowest rates for a prospective insured that will most likely be profitable. A good example of a profitable risk profile could possibly be married and over the age of 30, has no prior claims, and drives less than 10,000 miles a year. A driver who matches those parameters will most likely get cheap prices and have a good chance to save quite a bit of money when switching.

Drivers who do not match those criteria may receive higher premiums which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make the claims of big savings.

That is why drivers must compare price quotes frequently. You cannot predict which company will give you the biggest savings.

Insurance coverage can get complicated

When it comes to buying the best insurance coverage coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • If I drive on a suspended license am I covered?
  • What discounts do I qualify for?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my state a no-fault state?
  • Does insurance cover damages from a DUI accident?
  • Should I have combined single limit or split liability limits?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Coverages available on your insurance policy

Having a good grasp of insurance helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability auto insurance

This coverage will cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, legal defense fees, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Mercedes-Benz C-Class.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like X-ray expenses, chiropractic care and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, damage from flooding, a broken windshield and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Have the Midas touch

People leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, being labeled a high risk driver or unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.

In this article, we presented many tips how you can lower your 1995 Mercedes-Benz C-Class insurance rates. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates come from an unexpected company.

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