Lower Your 1999 Mercedes-Benz C-Class Insurance Rates

Want the cheapest car insurance rates? Drivers have many options when trying to find the best price on Mercedes-Benz C-Class insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to make rate comparisons. There are more efficient ways to find car insurance online and you need to know the best way to price shop coverage for a new or used Mercedes-Benz and obtain the cheapest rates from both online companies and local agents.

It’s important to take a look at other company’s rates yearly because prices are usually higher with each renewal. Just because you had the lowest rate on C-Class insurance a few years ago a different company probably has better premium rates today. There is too much inaccurate information about car insurance on the internet, but in a few minutes you can learn some solid techniques on how to put money back in your pocket.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you should be able to save some money using these tips. Consumers only need an understanding of the most efficient way to find the lowest price on the web.

Free auto insurance quotes

Finding a lower price on 1999 Mercedes-Benz C-Class insurance is not a difficult process. Consumers just need to take a few minutes to compare free insurance coverage quotes from different insurance companies. It’s super easy and can be done by using one of the methods below.

  1. The most recommended method to find low rates would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate quotation requests for each company. One simple form will get you price quotes from several companies.It’s the quickest way to get rates.
  2. A more time consuming way to analyze rates is going to the website for every company you want to comare to complete a price quote. For instance, let’s assume you want to get rates from Farmers, Liberty Mutual and American Family. To find out each rate you need to spend time on each company’s site to enter your coverage information, which can get old fast.

    For a list of companies in your area, click here.

  3. If you have time to kill, the last way of getting rate comparisons to insurance agents’ offices. The ability to quote online eliminates this option unless you have a need for the peace of mind that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to obtain prices from the web but buy from a local insurance agent.

The method you choose is up to you, but make sure you use exactly the same information with each company. If each company quotes unequal deductibles or liability limits it will be very difficult to make an equal comparison.

Earn discounts to get lower-cost insurance quotes

Insurance can be pricey, but you might find some hidden discounts that you may not know about. Many discounts should be triggered at the time of purchase, but a few need to be specifically requested in order for you to get them.

  • Discounts for Cautious Drivers – Insureds who avoid accidents may receive a discount up to 45% on C-Class insurance than their less cautious counterparts.
  • Drive Less and Save – Keeping the miles down on your Mercedes-Benz may allow you to get cheaper prices.
  • Defensive Driving Course – Taking part in a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multiple Cars – Purchasing coverage when you have more than one vehicle on one policy can get a discount on all vehicles.
  • Policy Bundle Discount – If you can bundle your auto and home insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can avoid monthly service charges.
  • One Accident Forgiven – Not a discount per se, but companies like Libery Mutual, GEICO and Allstate may permit one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will positively reduce the cost of your policy.

A few popular companies and their offered discounts include:

  • Progressive has savings for good student, online quote discount, multi-policy, multi-vehicle, homeowner, and continuous coverage.
  • SAFECO has discounts for bundle discounts, anti-theft, anti-lock brakes, multi-car, safe driver, accident prevention training, and teen safe driver.
  • American Family offers premium reductions for air bags, TimeAway discount, mySafetyValet, good student, good driver, and accident-free.
  • MetLife may include discounts for good student, good driver, accident-free, defensive driver, multi-policy, claim-free
  • GEICO may offer discounts for good student, daytime running lights, emergency military deployment, multi-vehicle, seat belt use, military active duty, and air bags.
  • The Hartford includes discounts for good student, bundle, driver training, vehicle fuel type, defensive driver, and air bag.

If you need affordable insurance coverage quotes, ask each company which discounts you may be entitled to. Savings may not be offered in your area.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Can I afford low physical damage deductibles?
  • How can I force my company to pay a claim?
  • How much liability coverage do I need in my state?
  • Is my ex-spouse still covered by my policy?
  • What is UM/UIM insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • What if I don’t agree with a claim settlement offer?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but one or more may apply to you, 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. It’s fast, doesn’t cost anything and you can get the answers you need.

Mercedes-Benz C-Class insurance rate factors

A large part of saving on insurance coverage is knowing some of the elements that come into play when calculating your policy premiums. If you understand what impacts premium levels, this enables informed choices that could result in big savings.

The items below are some of the major factors utilized by car insurance companies to help set rates.

  • Teenagers vs. mature drivers – Mature drivers are more cautious drivers, are lower risk to insure and get fewer tickets.Inexperience drivers are known to be inattentive and easily distracted behind the wheel so they pay higher insurance coverage rates.
  • Only buy what you need – There are a lot of additional coverages that you can buy on your 1999 C-Class policy. Coverage for things like coverage for rental cars, towing, and term life insurance may not be needed and are just wasting money. They may sound like good ideas when you first buy your policy, but if you’ve never needed them in the past remove them and pocket the money.
  • Premiums also based on gender – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Men and women get in accidents at a similar rate, but males cause more damage. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving.
  • Poor credit decisions can cost you – Credit score is likely to be a major factor in determining premium rates. If your credit is not that good, you may save money insuring your 1999 Mercedes-Benz C-Class by improving your credit score. Drivers with high credit scores tend to be more responsible than those with lower credit ratings.

Insurance myths debunked

Consumers get pounded daily by advertisements that promise big savings for switching by GEICO, State Farm and Progressive. They all make the same claim that drivers can save some big amount just by switching your insurance policy to them.

How is it possible that every company can sell you cheaper insurance coverage? Here is how they do it.

Many companies require specific criteria for the type of insured that earns them the most money. A good example of a preferred risk may be a female over age 40, carries high limits, and does not commute to work. Any person who matches that profile will qualify for the lowest premium rates and is almost guaranteed to save a lot if they switch.

People who fall short of the requirements will be quoted more expensive rates and this can result in the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, you really need to compare price quotes frequently. It’s impossible to know with any certainty which company will have better premium rates than you’re paying now.

Auto insurance coverages

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision protection

This covers damage to your C-Class caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, falling objects and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for doctor visits, nursing services and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, emergency aid, court costs, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Saving money makes a lot of cents

Throughout this article, we presented a lot of techniques to get a better price on 1999 Mercedes-Benz C-Class insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the best car insurance rates are with the smaller companies.

Drivers who switch companies do it for a number of reasons such as policy non-renewal, being labeled a high risk driver, delays in paying claims and even delays in responding to claim requests. No matter why you want to switch, finding the right auto insurance provider is not as difficult as it may seem.

A few companies do not provide internet price quotes and most of the time these regional insurance providers only sell coverage through independent insurance agents. Cheaper auto insurance is attainable both online and from local agencies, so you should be comparing quotes from both to get a complete price analysis.

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