2001 Mercedes-Benz C-Class Car Insurance Quotes – 9 Tips to Save

Want the cheapest insurance coverage rates for your Mercedes-Benz C-Class? Are you irritated from sacrificing other expenses to pay high insurance coverage rates every month? You have the same problem as the majority of other consumers.

Many auto insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the lowest cost out there.

Consumers need to compare prices quite often because rates go up and down regularly. Even if you got the lowest rate for C-Class coverage a year ago a different company probably has better prices today. You can find a lot of wrong information about insurance coverage online, but I’m going to show you the easiest ways to put money back in your pocket.

How to get auto insurance quotes

Most companies like State Farm and Allstate allow consumers to get prices for coverage directly from their websites. Comparing prices online doesn’t take a lot of time because you just enter the amount of coverage you want on the page. When complete, the quote system collects your driving record and credit report and returns a price quote. Quoting online makes it a lot easier to compare rates but the work required to visit many different websites and type in the same information is a big time waster. But it is imperative to do this in order to get lower prices.

Quote rates the easy way

The easiest way to find better auto insurance pricing makes use of a single form to obtain quotes from many companies. The form is fast, requires less work, and makes comparison shopping much simpler. After sending your information, your coverage is rated and you are able to buy any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you complete the form with as shown on your current policy. This guarantees you will receive comparison quotes based on the exact same insurance coverage.

Insurance coverage companies are expert advertisers

Companies like State Farm and Allstate seem to constantly run ads in print and on television. They all seem to make the point about saving some big amount if you just switch your policy. That’s great but how can every company make the same claim? Just pay attention to how they say it.

All companies offer their best rates for the right customer they prefer to insure. For instance, a profitable customer could be over the age of 45, has other policies, and has a high credit rating. A customer getting a price quote who matches those parameters receives the best premium rates and will also cut their rates substantially.

Drivers who do not meet these criteria may be forced to pay higher premiums which leads to the customer buying from someone else. The ad wording is “customers who switch” not “everyone who quotes” can save as much as they claim. This is how companies can state the savings. This really emphasizes why you really should compare free insurance quotes often. Because without a comparison, you cannot know with any certainty which company will give you lower rates than your current company.

Discount insurance quotes

Insurance is neither fun to buy or cheap, but there are discounts available that can dramatically reduce your bill. Certain discounts will be applied when you purchase, but a few need to be asked about before you get the savings. If you don’t get every credit possible, you are not getting the best rate possible.

  • Discount for Home Ownership – Being a homeowner can help you save on insurance since owning and maintaining a home is proof that your finances are in order.
  • Employee of Federal Government – Active or former government employment can save as much as 8% for C-Class coverage but check with your company.
  • Buy New and Save – Buying coverage on a new vehicle may earn a small discount since new vehicles are generally safer.
  • Accident Free – Drivers with accident-free driving histories get the best insurance rates in comparison to accident-prone drivers.
  • Senior Citizens – If you’re over the age of 55, you could receive a small decrease in premiums for C-Class coverage.
  • Bundle and Save – If you have multiple policies with the same insurance company you may save as much as 10 to 15 percent.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide without getting socked with a rate hike if you are claim-free for a specific time period.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Low Miles Discount – Maintaining low annual mileage can earn slightly better prices than normal.

We need to note that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way.

To choose insurance companies that offer multiple discounts, click here.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining if you will benefit from professional help.

  • What is PIP insurance?
  • What can I do if my company won’t pay a claim?
  • Do I need roadside assistance coverage?
  • Is my ex-spouse still covered by my policy?
  • When can I cancel my policy?
  • When should I not file a claim?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Specific coverages for a 2001 Mercedes-Benz C-Class

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as rehabilitation expenses, hospital visits and pain medications. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability coverage

This can cover damages or injuries you inflict on other people or property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like loss of income, emergency aid, repair costs for stationary objects, structural damage and attorney fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz C-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

This coverage covers damage to your C-Class resulting from colliding 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 damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, hitting a bird, fire damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a smart shopper

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced full coverage and learned later that they should have had better coverage. Your goal is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

We’ve covered some good ideas how to compare 2001 Mercedes-Benz C-Class insurance rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best rates are with some of the lesser-known companies. They may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

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