2017 Mercedes-Benz C-Class Insurance Quotes – 8 Ways to Save

Want better insurance coverage rates for your Mercedes-Benz C-Class? Trying to come up with a payment for high-priced insurance coverage can take a big chunk out of your family’s budget and possibly require postponing other expenditures. Comparing rate quotes is a fast and free way to reduce premiums and put more money in your pocket.

Big-name insurance companies like GEICO, Farmers Insurance and State Farm promote their brand names with ads and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Consumers should take time to compare rates quite often since prices are constantly changing. Just because you found the best quotes for C-Class insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

How to compare auto insurance price quotes

Finding more affordable 2017 Mercedes-Benz C-Class auto insurance rates is pretty simple and can save money. Consumers just need to spend a few minutes to get quotes to find. It’s super easy and can be done by following the guidelines below.

Experts agree that the best way to get quotes for comparison is to use a rate comparison form click to view form in new window. This method saves time by eliminating repetitive form submissions for every prospective company. One quote request will get you price quotes from several companies.

A more difficult way to analyze rates requires a trip to the website of each company and fill out a new quote form. For examples sake, let’s say you need rates from GEICO, Liberty Mutual and Allstate. You would need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

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

The most difficult method to quote and compare insurance rates is to waste gas driving to insurance agents’ offices. Doing it all online makes this unnecessary unless you have a need for the trained advice that you can only get from talking to an agent. You can, however, comparison shop your insurance online but buy the policy through an agent.

Compare rates however you want, just do your best to use the same quote information for each comparison quote. If you are comparing differing limits it will be very difficult to get a fair rate comparison.

Save money with these eight insurance discounts

Not many people think insurance is cheap, but you may be missing some discounts that may help make it more affordable. Certain credits will be shown when you quote, but lesser-known reductions have to be asked for prior to getting the savings.

  • Drive Less and Save – Low mileage vehicles may enable drivers to earn cheaper prices.
  • Seat Belt Discounts – Requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you could save nearly 15% which can help you find the cheapest auto insurance.
  • Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
  • Claim Free – Drivers with accident-free driving histories get the best insurance rates when compared to insureds who have frequent claims or accidents.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for C-Class insurance than drivers with accident claims.
  • Discount for Home Ownership – Being a homeowner may trigger a policy discount on insurance because maintaining a house means you have a higher level of financial diligence.
  • Professional Memberships – Participating in qualifying clubs or civic groups is a good way to get lower rates on your next insurance statement.

A quick disclaimer, many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, you’re out of luck.

Popular insurance companies and a partial list of their discounts are shown below.

  • The Hartford policyholders can earn discounts including defensive driver, air bag, anti-theft, bundle, good student, vehicle fuel type, and driver training.
  • American Family may offer discounts for multi-vehicle, air bags, defensive driver, accident-free, mySafetyValet, Steer into Savings, and good student.
  • Progressive has discounts for homeowner, multi-vehicle, continuous coverage, online signing, multi-policy, and online quote discount.
  • Travelers discounts include home ownership, continuous insurance, new car, payment discounts, hybrid/electric vehicle, multi-car, and driver training.
  • Farmers Insurance may include discounts for multi-car, distant student, youthful driver, homeowner, and teen driver.
  • USAA offers discounts for good student, defensive driver, family discount, annual mileage, and military installation.
  • Liberty Mutual includes discounts for multi-car, new graduate, newly married, good student, and exclusive group savings.

Before you buy a policy, ask every company which discounts they offer. Some of the discounts discussed earlier may not be offered in your state. To locate insurance companies who offer cheap insurance quotes, click here.

Auto insurance can get complicated

When buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out if you would benefit from professional advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How can I force my company to pay a claim?
  • What are the financial responsibility laws in my state?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Don’t listen to company ads

Drivers can’t escape the ads for cheaper insurance coverage by Allstate and Progressive. They all tend to make the same promise that drivers will save a bundle if you move your insurance coverage policy to them.

Is it even possible that every company can save you money? This is how they do it.

Insurance companies quote the lowest rates for the type of driver that makes them money. A good example of this type of driver could possibly be between the ages of 30 and 50, has few claims, and the vehicle is rated for pleasure use. A propective insured who matches those parameters will get low premium rates and as a result will probably cut their rates substantially.

People who don’t measure up to the requirements must pay higher rates which translates to the prospect going elsewhere. Company advertisements say “people that switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can confidently state the savings. This really emphasizes why you should quote coverage with many companies. You cannot predict with any certainty which company will fit you best based on your risk profile.

Auto insurance coverage information

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz C-Class.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage – This coverage pays for damage to your C-Class from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, colliding with another moving vehicle, scraping a guard rail, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, damage from flooding, damage from getting keyed and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like ambulance fees, doctor visits and hospital visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance – This protects you from injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as attorney fees, funeral expenses, bail bonds and medical services. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

The best insurance company isn’t always the cheapest

Some insurance providers may not offer online quoting regional carriers only sell through local independent agents. Discount 2017 Mercedes-Benz C-Class insurance can be found on the web and also from your neighborhood agents, and you should compare rates from both to have the best selection.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability coverage limits only to regret at claim time that they should have had better coverage. Your goal is to get the best coverage possible for the lowest price while still protecting your assets.

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