2013 Mercedes-Benz C-Class Insurance Quotes – 9 Ways to Save

Looking for the cheapest insurance rates for your Mercedes-Benz C-Class? Have you had enough of sacrificing other expenses to pay high insurance rates every month? You’re in the same situation as many other drivers. Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with fancy advertisements and it can be hard to ignore the propoganda and do the work needed to find the best deal.

It’s a good idea to shop coverage around quite often because insurance prices change frequently. Despite the fact that you may have had the best price for C-Class coverage at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re about to learn the fastest way to properly buy coverages and cut your premium.

The quickest way to compare policy rates is to know the trick car insurance companies have advanced systems to quote your coverage. To get started, all you need to do is provide a little information such as if you have an active license, how much you drive, how much coverage you want, and the ages of drivers. Your rating data gets sent immediately to many different companies and they respond with quotes quickly.

Take these nine policy discounts and save

Some insurers don’t list all their discounts very well, so we break down a few of the more well known as well as some of the hidden discounts that may be available.

  • Online Discount – Many larger companies may give you up to $50 for buying your policy online.
  • Senior Citizen Rates – Mature drivers may receive lower premium rates for C-Class coverage.
  • Discounts for Responsible Drivers – Accident-free drivers may save up to 50% more for C-Class coverage as compared to drivers with claims.
  • Low Miles Discount – Low mileage vehicles could earn better prices on cars that stay parked.
  • Distant College Student Discount – Kids who are attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Theft Deterent Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Driver Safety – Completing a course that instructs on driving safety can save you 5% or more if you qualify.
  • ABS Brakes – Vehicles with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.

You should keep in mind that most discounts do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

To view insurance companies that offer some of these discounts, follow this link.

Which policy gives me the best coverage?

When buying the best insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining if you would benefit from professional advice.

  • When can I cancel my policy?
  • Is my dog or cat covered if injured in an accident?
  • How much liability coverage do I need in my state?
  • Should I put collision coverage on all my vehicles?
  • Should I carry comprehensive and collision coverage?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, hitting a mailbox, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical expense insurance – Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Auto liability – This coverage will cover damage that occurs to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, medical services, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

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 very important. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, vandalism, hitting a bird, falling objects and a broken windshield. The most a auto insurance company will pay at claim time 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.

A penny earned…

When you buy car insurance online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an accident victim reduced full coverage to discover at claim time they didn’t have enough coverage. Your objective should be to buy a smart amount of coverage at a price you can afford.

There are still a few companies who don’t offer internet price quotes small, regional companies provide coverage only through independent agents. Affordable 2013 Mercedes-Benz C-Class insurance can be purchased on the web and with local insurance agents, so you should compare both in order to have the best price selection to choose from.

Much more information about auto insurance is available at the links below