How Much Does 2012 Mercedes-Benz C-Class Insurance Cost?

Are you irritated from scraping the payment together to pay your insurance coverage bill each month? You are in the same boat as the majority of other people. Insurance companies such as GEICO, Farmers Insurance and State Farm continually hit you with ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

If you are insured now or need new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners just need to know the tricks to compare rates online.

How to get free insurance quotes online

The majority of larger companies make it easy to get prices on their websites. Getting prices online doesn’t take a lot of time as all you need to do is type in your coverage information into the quote form. Behind the scenes, the company’s rating system pulls your driving record and credit report and returns a price. Quoting online makes comparing rates easy, but the work required to visit several different sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to find lower prices.

The easiest way to get multiple rate quotes is to use a quote form to return rates from several different companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much easier. As soon as you send your information, it gets priced and you can choose any or none of the quote results.

If you find a better price you can click and sign and buy the policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

To get comparison pricing now, click here to open in new window and submit the form. If you currently have coverage, we recommend you complete the form with deductibles and limits as close as possible to your current policy. This guarantees you are getting an apples-to-apples comparison using the exact same coverages.

Learn how to lower your insurance rates

Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are not quite as obvious such as your marital status or how financially stable you are.An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for insurance. If you have a feel for what determines base rates, this allows you to make good choices that may result in lower rates.

  • Reserve policy claims for larger damages – If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Insurance companies generally give the lowest premiums to drivers who only file infrequent claims. Your insurance policy is designed for larger claims.
  • Insurance policy lapses increase rates – Driving any period of time without insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will you pay higher rates, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Gender matters – Statistics show women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. Males and females cause accidents in similar percentages, but guys have costlier accidents. In addition to higher claims, males also have more aggressive citations like reckless driving and DUI. Young males have the highest risk to insure and therefore pay the highest rates.
  • Urban residents pay more – Living in less populated areas has it’s advantages when buying insurance. People in densly populated areas have to deal with more auto accidents and longer commutes to work. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims.
  • Better prices on safer cars – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and fewer injuries translates into savings for insurance companies and lower rates for you.
  • Policy add-ons may not be needed – There are a ton of extra add-on coverages that can add up on your insurance policy. Coverages like replacement cost coverage, towing coverage, and extra equipment coverage are examples of these. They may seem good initially, but your needs may have changed so remove them and pocket the money.
  • Amount of liability coverage – Your insurance policy’s liability coverage will afford coverage when you are found to be at fault for damages caused by your negligence. It will provide legal defense to defend your case. Liability insurance is quite affordable compared to comp and collision, so do not cut corners here.
  • Insure car and home with the same company – The majority of insurers will award better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. If you currently are using one company, drivers will still want to comparison shop to make sure you are getting the best deal.There is a good possibility that you can find lower rates by buying insurance from more than one company.

Cheaper rates with discounts

Car insurance is easily one of your largest bills, but you may find discounts that you may not even be aware of. Some discounts apply automatically when you quote, but some may not be applied and must be inquired about prior to getting the savings.

  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts could see savings of 20% or more.
  • Good Grades Discount – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
  • Paperless Signup – Certain companies will give a small break for completing your application digitally online.
  • Government Employee Discount – Federal government employees could provide a small rate reduction for C-Class insurance with some car insurance companies.
  • Senior Citizen Rates – Drivers over the age of 55 may be able to get a small decrease in premiums for C-Class insurance.

Please keep in mind that some credits don’t apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any amount of discount should definitely cut your policy premium.

Popular car insurance companies and some of the discounts are detailed below.

  • Farm Bureau offers discounts including multi-vehicle, 55 and retired, driver training, good student, multi-policy, and renewal discount.
  • Liberty Mutual may offer discounts for teen driver discount, good student, newly retired, exclusive group savings, preferred payment discount, multi-policy, and new vehicle discount.
  • State Farm discounts include accident-free, anti-theft, driver’s education, student away at school, multiple autos, multiple policy, and defensive driving training.
  • Auto-Owners Insurance has discounts for safe vehicle, company car, good student, multi-policy, anti-theft, multiple vehicles, and mature driver.
  • GEICO policyholders can earn discounts including seat belt use, good student, five-year accident-free, anti-lock brakes, daytime running lights, military active duty, and emergency military deployment.
  • SAFECO may include discounts for drive less, anti-lock brakes, accident prevention training, homeowner, teen safe driver, and anti-theft.

Double check with every insurance company to give you their best rates. Some of the discounts discussed earlier may not apply in your area. To find insurers who offer free car insurance quotes, click here to view.

What is the best car insurance coverage?

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • When should I drop full coverage on my 2012 Mercedes-Benz C-Class?
  • Can I rate high risk drivers on liability-only vehicles?
  • How many claims can I have before being cancelled?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need higher collision deductibles?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my state a no-fault state?
  • Why am I required to buy liability insurance?
  • Should I have a commercial auto policy?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance specifics

Having a good grasp of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Comprehensive car insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, fire damage, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like chiropractic care, funeral costs, nursing services, 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. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage – Collision coverage pays for damage to your C-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz C-Class.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as court costs, funeral expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

In any little way, save everyday

We covered many ways to compare 2012 Mercedes-Benz C-Class insurance auto insurance rates online. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest auto insurance rates are with an unexpected company. These companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

When buying insurance coverage, never reduce coverage to reduce premium. There are too many instances where an accident victim reduced uninsured motorist or liability limits and learned later that it was a big error on their part. Your objective should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

Additional car insurance information can be read at the links below