1998 Mercedes-Benz C-Class Car Insurance Cost – 6 Tricks for Cheaper Prices

Trying to find the cheapest auto insurance rates for your Mercedes-Benz C-Class? Are you tired of scraping the payment together to pay your auto insurance bill each month? You’re in the same situation as many other consumers.

Numerous car insurance companies battle for your business, so it’s not easy to compare every insurance company and uncover the absolute lowest rate possible.

It’s a good idea to quote other rates quite often due to the fact that insurance prices change frequently. If you had the lowest quotes on C-Class insurance a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because it’s time to teach you one of the best ways to properly buy coverages and cut your premium.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. Buying car insurance is not rocket science. Although drivers must comprehend how big insurance companies market insurance on the web and use this information to your advantage.

How much is insurance?

To find affordable insurance quotes, there are several ways to obtain and compare prices from different insurance companies. The best way to lower the rate you pay for 1998 Mercedes-Benz C-Class insurance is simply to get online rate quotes. This can be accomplished in a couple minutes as outlined below.

One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating repetitive form entry for each company you want a rate for. Filling out one form gets coverage cost estimates instantly.

A less efficient way to analyze rates is spending the time to visit each company website and complete a new quote form. For example, let’s say you want comparison quotes from Auto-Owners, Esurance and Progressive. You would be required to navigate to each company’s site and repeatedly enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The approach you take is up to you, just be sure to compare exactly the same coverage data for every company. If the quotes have different data it’s impossible to determine the best price for your Mercedes-Benz C-Class. Quoting even small variations in coverages may result in a large different in cost. And when comparison shopping, getting more free quotes will enable you to find a lower rate than you’re paying now.

Slick advertising tricks that work

Well-known car insurance companies like Allstate, GEICO and Progressive endlessly run ads on television and other media. All the ads tend to make the same promise that you’ll save big just by moving your policy. It sounds good, but how can they all have lower policy pricing? It’s all in the wording.

Insurance companies provide the lowest rates for a prospective insured that will most likely be profitable. For example, a profitable risk profile might be between the ages of 40 and 55, has no claims, and the vehicle is rated for pleasure use. Any driver who matches that profile is entitled to the best price and most likely will cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile will get higher premiums which usually ends up with business going elsewhere. Company advertisements say “drivers that switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully advertise the way they do.

This really illustrates why you really should quote coverage with many companies. It is just not possible to predict which car insurance company will have the best premium rates.

Are you earning every discount?

Auto insurance companies don’t always publicize the complete list of policy discounts very clearly, so the list below details a few of the more common and the harder-to-find discounts that you may qualify for.

  • Good Driver Discounts – Insureds without accidents may save up to 50% more on C-Class insurance than drivers with accidents.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
  • Paperwork-free – A handful of insurance companies may give you up to $50 get insurance digitally online.
  • ABS Brakes – Cars that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
  • Discount for Multiple Policies – If you can bundle your home and auto insurance with one company you will save at least 10% off all policies.
  • Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts as much as 30%.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will lower the cost of your policy.

A few popular companies and some of the premium reductions they offer include:

  • State Farm has discounts for multiple autos, Steer Clear safe driver discount, safe vehicle, good driver, anti-theft, multiple policy, and student away at school.
  • American Family policyholders can earn discounts including multi-vehicle, mySafetyValet, bundled insurance, early bird, TimeAway discount, air bags, and good student.
  • GEICO has savings for anti-lock brakes, defensive driver, seat belt use, five-year accident-free, and multi-vehicle.
  • 21st Century may include discounts for driver training, good student, early bird, theft prevention, homeowners, and student driver.
  • Progressive offers discounts including good student, online signing, online quote discount, continuous coverage, and multi-policy.

If you want cheap insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above might not apply in your area.

When in doubt talk to an agent

When it comes to buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help highlight if your situation might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • If my pet gets injured in an accident are they covered?
  • Do I need roadside assistance coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • How high should my medical payments coverage be?
  • Am I covered if my car is in a flood?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance specifics

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types offered by car insurance companies.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, chiropractic care, EMT expenses and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1998 Mercedes-Benz C-Class.

Since 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. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage covers damage to your C-Class resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Liability coverages

This protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as attorney fees, pain and suffering, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, hitting a bird, damage from flooding, a tree branch falling on your vehicle and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Buy online or local, you save

We just showed you a lot of information how to shop for 1998 Mercedes-Benz C-Class insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Drivers may discover the lowest premium rates are with a lesser-known regional company. These companies may have significantly lower prices on certain market segments than their larger competitors like State Farm or Progressive.

While you’re price shopping online, you should never buy poor coverage just to save money. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret that the small savings ended up costing them much more. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

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