2004 Mercedes-Benz C-Class Insurance Quotes – 7 Ways to Save

Searching for better car insurance rates for your Mercedes-Benz C-Class? Finding cheap car insurance on the web might seem rather difficult for drivers that are relatively new to price shopping on the internet. With a ridiculous number of online companies available, how are we expected to have time to compare every company in order to find the lowest price?

Buying car insurance is easy if you know what you’re doing. In a nutshell, everyone who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But drivers need to learn the methods companies use to determine prices.

Do you qualify for discount car insurance?

Car insurance is neither fun to buy or cheap, but you may be missing some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you complete an application, but a few must be requested specifically before being credited.

  • College Student – Older children who live away from home to go to college and don’t have a car may be able to be covered for less.
  • Low Mileage Discounts – Driving less could earn slightly better premium rates than normal.
  • Sign Online – Many car insurance companies will provide an incentive get car insurance online.
  • New Car Discount – Insuring a vehicle that is new may earn a small discount because new vehicles are generally safer.
  • Onboard Data Collection – Insureds that choose to allow companies to track driving patterns by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they are good drivers.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up can save up to 15% on medical payment and PIP coverage.
  • ABS Brakes – Cars and trucks that have anti-lock braking systems are much safer to drive and will save you 10% or more.

Keep in mind that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To see car insurance companies that offer multiple discounts, click here.

How to buy auto insurance

When comparison shopping, there are several ways of comparing rate quotes from companies that offer auto insurance in your state. The best method to find the cheapest 2004 Mercedes-Benz C-Class insurance rates consists of shopping online. This can be accomplished in several different ways.

  1. The recommended way to get quotes is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for multiple quote forms to each individual auto insurance company. A single form will return quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to shop for auto insurance online is spending the time to visit each individual company website to complete their respective quote request forms. For instance, let’s say you need rates from Allstate, GEICO and GMAC. In order to get each rate, you would have to spend time going to each site individually and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient and most time consuming method to shop rates is physically going to insurance agents’ offices. Doing it all online has made agencies unnecessary unless you’re the type of person who wants the professional advice of an agent trained in personal lines coverage. However, consumers can compare online quotes but buy from a local insurance agent.

It doesn’t matter which method you choose, just be sure you’re using exactly the same quote data for every company. If you use differing limits it will be very difficult to truly determine the lowest rate. Just slight variations in insurance coverages or limits could throw off the whole comparison. And when price shopping your coverage, comparing more rates from different companies will enable you to find more affordable rates.

What insurance coverages do I need?

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Does my personal policy cover me when driving out-of-state?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my teen driver covered when they drive my company car?
  • When should I buy a commercial auto policy?
  • Why do I need rental car insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage options for a Mercedes-Benz C-Class

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments – Med pay and PIP coverage pay for bills for things like funeral costs, surgery and X-ray expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Mercedes-Benz C-Class.

Due to the fact that many 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 is very important.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from flooding, vandalism, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability – Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, medical services, court costs, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail, hitting a parking meter, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

And the best car insurance company is…

People change insurance companies for a number of reasons such as policy non-renewal, being labeled a high risk driver, questionable increases in premium and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.

As you shop your coverage around, never sacrifice coverage to reduce premiums. There have been many cases where an insured dropped liability limits or collision coverage only to discover later that it was a big error on their part. The proper strategy is to buy enough coverage at the best price, but do not skimp to save money.

Cheaper 2004 Mercedes-Benz C-Class insurance is available on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer internet price quotes and many times these regional insurance providers prefer to sell through independent agencies.

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