2016 Mercedes-Benz C-Class Insurance Quotes

Trying to find cheaper insurance coverage rates for your Mercedes-Benz C-Class? If you’ve never shopped for insurance quotes online, you can easily be overwhelmed by the large number of online insurance coverage companies and websites competing for business.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. But drivers must comprehend how the larger insurance companies sell online and apply this information to your search.

What determines Mercedes-Benz C-Class insurance premiums?

Lots of things are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, but other criteria are less obvious like your vehicle usage or how safe your car is.When buying insurance it’s important to understand the rating factors that help calculate the level of your policy premiums. When you understand what impacts premium levels, this helps enable you to make changes that can help you get better insurance rates.

Improve your credit score – A driver’s credit history is a big factor in determining what you pay for insurance. Insureds that have excellent credit scores tend to be less risk to insure than those with poor credit scores. If your credit rating can be improved, you could save money insuring your 2016 Mercedes-Benz C-Class by spending a little time repairing your credit.
With age comes responsibility – Mature drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.Teen drivers are known to be inattentive with other occupants in the car so they pay higher insurance rates.
Vehicles with better crash test results cost less to insure – Vehicles with good safety scores are cheaper to insure. Safer cars reduce injuries and lower rates of occupant injuries translates into savings for insurance companies passed on to you as lower rates. If your Mercedes-Benz C-Class scored better than four stars on Safercar.gov you may be receiving a better rate.
Use but don’t abuse your insurance – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance companies give the lowest premiums to drivers who do not file claims often. Your insurance policy is designed for claims that pose a financial burden.
Your address can push rates up or down – Being located in smaller towns and rural areas of the country is a positive aspect when buying insurance. Less people means less chance of accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have traffic congestion and a longer drive to work. Spending more time driving translates into higher accident risk.
Qualify for multi-policy discounts – Most larger companies allow discounts to buyers who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, drivers will still want to comparison shop to make sure you are getting the best deal.
Accidents inflate premiums – Attentive drivers get better rates as compared to those with violations. Just one driving citation can increase rates by as much as thirty percent. People who have severe citations such as DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
Liability coverage limits should be high – A critical coverage on your policy, liability insurance provides coverage in the event that you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Auto insurance policy discounts

Auto insurance companies don’t necessarily list every possible discount in a way that’s easy to find, so the below list has both the well known as well as some of the hidden discounts that you can inquire about if you buy insurance online. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
Theft Prevention Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
Include Life Insurance and Save – Some auto insurance companies give better rates if you take out life insurance.
Club Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on your next auto insurance statement.
ABS Braking Discount – Cars with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared to insureds who have frequent claims or accidents.

As is typical with insurance, some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any qualifying discounts will positively reduce your policy premium.

To view insurers with the best auto insurance discounts, click this link.

Beware of misleading insurance coverage ads

Insurance coverage companies such as State Farm and Allstate continually stream ads on TV and radio. They all seem to make the point that drivers will save a bundle if you just switch your coverage to them. How do they all save you money? This is the way they can do it.

All companies have a preferred profile for the type of driver that is profitable for them. A good example of a preferred risk may be over age 30, insures multiple vehicles, and drives a vehicle with a low ISO rating. A customer getting a price quote who matches those parameters may get the lowest rates and have a good chance to save a lot if they switch.

Potential insureds who do not fit those criteria may receive higher premium rates and this results in the customer not buying. Company advertisements say “customers that switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can state the savings. Different companies use different criteria so you really should compare quotes as often as possible. Because you never know which insurance coverage company will have the best prices at this point in time.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.

For example, these questions might point out whether you might need an agent’s assistance.

How much underlying liability do I need for an umbrella policy?
At what point should I drop full coverage?
What is the ISO rating for a 2016 Mercedes-Benz C-Class?
Do I need replacement cost coverage?
Do I need higher collision deductibles?
Do I have coverage when pulling a U-Haul trailer?
Do I really need UM/UIM coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverages and their meanings

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, surgery, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability

Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical services, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision protection

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane, rock chips in glass and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Power to the consumer

Lower-priced insurance is available on the web and with local insurance agents, so you should compare both so you have a total pricing picture. A few companies may not have the ability to get a quote online and usually these smaller companies only sell through independent agencies.

We just presented many ways to reduce 2016 Mercedes-Benz C-Class insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding cheap insurance. You may be surprised to find that the lowest prices are with a small local company.

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, high prices and even being labeled a high risk driver. Regardless of your reason, finding a great new company is not as hard as you think.