How Much Does 2010 Mercedes-Benz C-Class Insurance Cost?

Searching for the cheapest insurance for a Mercedes-Benz C-Class could be difficult, but you can learn the following methods to save time. There are more efficient ways to compare auto insurance rates so we’re going to tell you the quickest way to price shop coverage on a Mercedes-Benz and get the lowest price from both online companies and local agents.

If you have a policy now or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maximizing coverage. Pricing the lowest cost car insurance coverage is simple if you know the tricks. Drivers only need an understanding of the most efficient way to compare prices on the web.

Do you qualify for discount auto insurance?

Some providers do not list all their discounts in a way that’s easy to find, so the below list has some of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Home Ownership Discount – Owning a house can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • Pay Early and Save – By making one initial payment rather than paying in monthly installments you could save up to 5%.
  • Savings for New Vehicles – Insuring a vehicle that is new is cheaper because new vehicles keep occupants safer.
  • Theft Prevention System – Cars and trucks with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Fewer Miles Equal More Savings – Driving less can earn discounted premium rates on garaged vehicles.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of more than 20%.
  • Life Insurance Discount – Some insurance companies give a small discount if you purchase some life insurance too.
  • Telematics Devices – Policyholders that allow driving data collection to spy on when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
  • Club Memberships – Participating in a civic or occupational organization could qualify you for a break when getting a insurance coverage quote.

Don’t be shocked that some credits don’t apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Companies and some of the premium reductions they offer can be found below.

  • State Farm offers discounts including passive restraint, multiple policy, driver’s education, good driver, and good student.
  • Liberty Mutual may offer discounts for hybrid vehicle, new graduate, safety features, good student, new vehicle discount, and exclusive group savings.
  • American Family includes discounts for Steer into Savings, TimeAway discount, multi-vehicle, bundled insurance, and defensive driver.
  • Progressive discounts include good student, multi-policy, online signing, continuous coverage, online quote discount, and multi-vehicle.
  • Farmers Insurance offers discounts for business and professional, switch companies, pay in full, homeowner, multi-car, early shopping, and mature driver.
  • Auto-Owners Insurance may include discounts for mature driver, safe vehicle, company car, student away at school, and group or association.
  • SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, homeowner, safe driver, drive less, teen safety rewards, and anti-theft.

Before you buy a policy, ask each company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in your state. To see a list of auto insurance companies offering auto insurance discounts, follow this link.

Compare insurance coverage rate quotes

Reducing your 2010 Mercedes-Benz C-Class insurance rates is pretty simple and can save money. The only thing you need to do is invest a few minutes to get quotes from different insurance companies. Shoppers can get rates in just a few minutes using one of these methods.

  1. One of the best ways to get quotes would be an industry-wide quote request form (click to open form in new window). This style of form eliminates the need for repetitive form submissions for every company. Filling out one form gets rate comparisons from insurance coverage companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A different way to compare prices consists of visiting each company website and repeat the quote process again and again. For sake of this example, let’s say you want to compare prices for State Farm, 21st Century and Allstate. You would have to go to each individual site and enter your information, which explains why we recommend starting with the first method.

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

Whichever way you choose to compare rates, make darn sure you compare apples-to-apples coverage information for each price quote. If you are comparing higher or lower deductibles it will be next to impossible to determine which rate is truly the best.

What insurance coverages do I need?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions can help discover if your situation may require specific advice.

  • Why do I only qualify for high-risk insurance?
  • Is extra glass coverage worth it?
  • When can my company non-renew my policy?
  • Can I rent a car in Mexico?
  • Am I covered if I break a side mirror?
  • What happens if I owe more than my 2010 Mercedes-Benz C-Class is worth?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Educate yourself about car insurance coverages

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 Mercedes-Benz C-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive protection – Comprehensive insurance coverage 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 can pay for things such as hitting a deer, theft and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This covers damage to your C-Class resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance – Liability coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like emergency aid, medical expenses, bail bonds and structural damage. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Medical expense coverage – Med pay and PIP coverage pay for immediate expenses for pain medications, ambulance fees and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Better coverage you can count on

Consumers leave their current company for any number of reasons including policy non-renewal, high prices, not issuing a premium refund or delays in paying claims. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to find out that it was a big mistake. The goal is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

We just presented a lot of ways to get a better price on 2010 Mercedes-Benz C-Class insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. You may be surprised to find that the best price on insurance coverage is with a lesser-known regional company.

More detailed insurance coverage information is available at these sites: