2000 Mercedes-Benz C-Class Car Insurance Rates – 8 Ideas for Best Quotes

Want the cheapest car insurance rates for your Mercedes-Benz C-Class? Have you finally had enough of sacrificing other expenses to insure your Mercedes-Benz every month? You’re in the same situation as many other vehicle owners.

Insurance companies such as Progressive, GEICO and Farmers Insurance continually bombard you with advertising and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

The best way to compare car insurance rates is to know the fact most of the bigger providers pay for the opportunity to quote your coverage. To begin a comparison, all you need to do is provide details including the year, make and model of vehicles, your education level, whether or not you need a SR-22, and if you’re married. Those rating factors gets sent immediately to insurance carriers in your area and they return rate quotes quickly.

Find hidden discounts on insurance

Not many people think insurance is cheap, but discounts can save money and there are some available that you may not even be aware of. Some discounts will apply at the time you complete a quote, but once in a while a discount must be requested specifically before you get the savings.

  • Discounts for Multiple Vehicles – Buying a policy with multiple cars on a single policy can reduce rates for all insured vehicles.
  • New Vehicle Savings – Insuring a new car can save you some money because newer vehicles keep occupants safer.
  • Telematics Discount – Drivers that enable their insurance company to analyze where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
  • Active Military Service – Being on active deployment in the military may lower your insurance rates slightly.
  • Student Discounts – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
  • Renewal Discounts – Select insurance companies give a discount for renewing your policy before your current coverage expires. You can save around 10% with this discount.
  • Bundle and Save – If you can bundle your auto and homeowners insurance with the same insurance company you may save at least 10% off all policies.

You can save money using discounts, but most discounts do not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

To see a list of companies who offer discounts, click here to view.

Tailor your car insurance coverage to you

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. For example, these questions could help you determine whether or not you may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Is business equipment covered while in my vehicle?
  • Does liability extend to a camper or trailer?
  • Are rock chip repairs covered?
  • Am I covered if hit by an uninsured driver?
  • Is other people’s property covered if stolen from my vehicle?
  • How does medical payments coverage work?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Having a good grasp of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like ambulance fees, prosthetic devices, X-ray expenses, rehabilitation expenses and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as medical services, funeral expenses, legal defense fees and loss of income. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Spend less. Save more.

Discount 2000 Mercedes-Benz C-Class insurance is possible both online and with local insurance agents, so you need to quote auto insurance with both to get a complete price analysis. A few companies may not have rates over the internet and many times these smaller companies prefer to sell through local independent agencies.

Throughout this article, we presented quite a bit of information on how to lower your 2000 Mercedes-Benz C-Class insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better likelihood of getting cheaper auto insurance. Drivers may discover the lowest car insurance rates are with an unexpected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

When you buy auto insurance online, make sure you don’t skimp on coverage in order to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your aim should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

Additional insurance information can be found at the links below