Cheap 2008 Mercedes-Benz C-Class Insurance Quotes

Looking for lower insurance rates for your Mercedes-Benz C-Class? Did a good deal turn into an underperforming, overpriced insurance policy? Say no more because many drivers have buyer’s remorse. Insurance companies such as Allstate and Progressive continually hit you with advertising and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

If you are insured now or are just looking to switch companies, you can use these tips to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is not that difficult. Consumers only need an understanding of the tricks to shop online.

Cheap auto insurance quotes with discounts

Not too many consumers would say auto insurance is affordable, but there may be some discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time of purchase, but some may not be applied and must be inquired about before you get the savings.

  • Drive Safe and Save – Safe drivers could pay up to 40% less for C-Class insurance compared to accident prone drivers.
  • 55 and Retired – Drivers over the age of 55 may be able to get lower premium rates for C-Class insurance.
  • Student Discount for Driver Training – Teen drivers should take driver’s ed class if offered at their school.
  • Homeowners Savings – Just owning your own home can help you save on auto insurance since home ownership requires personal responsibility.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Accident Forgiveness Coverage – but some companies like Progressive, State Farm and GEICO may permit one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount when shopping for auto insurance.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for C-Class insurance depending on your company.
  • Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% since new model year vehicles have better safety ratings.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A list of auto insurance companies and a selection of discounts are:

  • State Farm offers premium reductions for anti-theft, multiple autos, good driver, passive restraint, Steer Clear safe driver discount, defensive driving training, and Drive Safe & Save.
  • Esurance may have discounts that include good student, homeowner, renters, multi-car, DriveSense, Pac-12 alumni, and claim free.
  • Progressive may offer discounts for homeowner, multi-policy, online quote discount, online signing, multi-vehicle, and good student.
  • Liberty Mutual may include discounts for new move discount, exclusive group savings, safety features, good student, and new graduate.
  • Auto-Owners Insurance has discounts for group or association, mature driver, multi-policy, company car, anti-lock brakes, and student away at school.
  • GEICO has savings for daytime running lights, membership and employees, driver training, defensive driver, and multi-vehicle.

When quoting, ask every company how you can save money. Some discounts might not be offered in your state. To see a list of auto insurance companies who offer free auto insurance quotes, click here.

How insurers determine Mercedes-Benz C-Class insurance prices

Many different elements are used in the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but others are not as apparent such as your credit history or your commute time.

The itemized list below are a few of the “ingredients” companies use to determine your rates.

  • Get a ticket, pay higher prices – Just one chargable violation may cause rates to rise twenty percent or more. Attentive drivers get better prices than bad drivers. Drivers who get dangerous citations such as reckless driving or DUI may need to submit a SR-22 form with their state’s department of motor vehicles in order to keep their license.
  • Occupation stress can make you pay more – Careers like fire fightersairline pilots and dentists generally pay higher premium rates because of high stress levels and incredibly demanding work hours. On the flip side, jobs like professors, historians and the unemployed pay lower than average rates for C-Class insurance.
  • Drive lots and pay more – The more you drive your Mercedes-Benz in a year’s time the higher your rates will be. A lot of companies calculate rates based on their usage. Vehicles used primarily for pleasure use can be on a lower rate level than those that get driven frequently. Having an incorrect usage rating on your C-Class is throwing money out the window. It’s always a good idea to double check that your insurance coverage policy properly reflects the correct driver usage, because it can save money.
  • Vehicle theft costs us all – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft and help bring rates down.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Do I need medical payments coverage since I have good health insurance?
  • Is my teen driver covered when they drive my company car?
  • Is there coverage for injuries to my pets?
  • Is a fancy paint job covered?
  • Do I have coverage when making deliveries for my home business?
  • Am I insured when driving a different vehicle?
  • Who is covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Do auto insurance companies bend the truth?

Consumers can’t ignore all the ads that claim the best prices by companies like 21st Century, Allstate and State Farm. They all seem to say the same thing that drivers can save some big amount just by moving your auto insurance coverage to their company.

But how can every company charge you a lower premium? This is the trick they use.

Insurance companies quote the lowest rates for the type of driver that will not have excessive claims. For example, a desirable insured might be described as a female over age 40, owns their home, and chooses high deductibles. Anyone who matches those parameters will get the preferred rates and is almost guaranteed to save some money.

Drivers who are not a match for this ideal profile must pay a higher rate which usually ends up with the prospect going elsewhere. Company advertisements say “customers that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make the claims of big savings.

Each company has different criteria, so you really need to do a rate comparison at every renewal. It’s impossible to know which company will fit you best based on your risk profile.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, a broken windshield, theft, damage from a tornado or hurricane and damage from getting keyed. 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.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2008 Mercedes-Benz C-Class.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for doctor visits, pain medications and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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 liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical services, attorney fees, medical expenses, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Smart shoppers get results

You just learned some good ideas how you can save on 2008 Mercedes-Benz C-Class insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your prices. You may even find the best price on auto insurance is with a smaller regional carrier. They may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

More affordable auto insurance is definitely available online and with local insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some insurance companies may not have rate quotes online and these smaller providers sell through independent agents.

To read more, feel free to browse the following helpful articles: