Cheaper 2018 Mercedes-Benz C-Class Insurance Cost

Vehicle owners who just recently started comparing insurance rates online can find buying cheap insurance coverage can be quite difficult.

If you have car insurance now, you stand a good chance to be able to save some money using this information. The purpose of this post is to instruct you on the best way to quote coverages and some tricks to saving. Nevertheless, drivers must understand the way companies price online insurance and use this information to your advantage.

How to get affordable car insurance

There are multiple methods you can shop for car insurance but some are easier and takes less work. You can waste hours discussing policy coverages with agents in your area, or you can stay home and use the internet to maximize your effort.

Many of the larger companies belong to an insurance system that allows shoppers to only type in their quote data once, and at least one company can give them a price based on the submitted data. This eliminates the need for quote forms to each company. To compare pricing click to open in new window.

The one disadvantage to comparing rates this way is you don’t know exactly which providers you want to price. So if you prefer to choose individual companies to compare prices, we have a listing of the cheapest car insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use equivalent coverages for each quote you get. If each company quotes different deductibles you can’t possibly decipher which rate is best. Quoting even small variations in coverage limits could skew the results. And when comparison shopping, obtaining a wide range of quotes helps you find lower pricing. Not every company provides quotes online, so you need to compare rates on coverage from those companies, too.

More discounts mean cheap premiums

Insurance coverage is neither fun to buy or cheap, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but a few need to be specifically requested before being credited.

  • Save with a New Car – Buying a new car instead of a used car can get you a discount due to better safety requirements for newer vehicles.
  • Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you better prices if you take out life insurance.
  • Good Grades Discount – This discount can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
  • Driver Training Discounts – Taking a defensive driving course could save 5% or more if you qualify.
  • Resident Student – Children who are enrolled in higher education away from home and do not have a car can receive lower rates.

It’s important to note that some credits don’t apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.

To find companies offering insurance coverage discounts, follow this link.

It’s not one size fits all

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Do I benefit by insuring my home with the same company?
  • Is my babysitter covered when using my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need roadside assistance coverage?
  • What is no-fault insurance?
  • How can I get my company to pay me more for my totalled car?
  • Do I need motorclub coverage?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

Why smart buyers pay less for Mercedes-Benz C-Class insurance

Consumers need to have an understanding of some of the factors that are used to determine the rates you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Lots of factors are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but others are not as apparent such as your credit history or your vehicle rating.

The items below are a few of the things companies use to determine your premiums.

  • Your career may increase rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like real estate brokersair traffic controllers and financial analysts generally pay higher rates than average due to intense work situations and long work hours. Conversely, careers like farmers, students and homemakers pay lower than average rates on C-Class coverage.
  • Alarm systems save money – Buying a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping vehicle theft.
  • Bad credit hurts insurance rates – A driver’s credit score is likely to be a major factor in calculating your premium rate. People with high credit scores tend to be better drivers and file fewer claims than drivers with worse credit. If your credit score is not that good, you may save money insuring your 2018 Mercedes-Benz C-Class by taking the time to improve your credit score.
  • What’s your car’s IIHS safety rating? – Vehicles with good safety scores get lower rates. Highly rated vehicles reduce occupant injuries and fewer serious injuries means lower claim amounts which can mean better rates for you. If your Mercedes-Benz C-Class has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Cheaper rates after marriage – Your spouse helps lower the price on auto insurance. Marriage may mean you are more financially stable it has been statistically shown that drivers who are married are more cautious.

Truth in auto insurance advertising

Big name companies like Progressive, Allstate and GEICO regularly use ads on television and other media. They all seem to make the point of big savings just by moving your policy. How is it plausible that every one can charge you less for car insurance? This is the way they can do it.

Many companies have an ideal profile for the right customer that will add to their bottom line. A good example of a profitable risk profile could be a married female, is a homeowner, and has a high credit rating. Any customer who matches those parameters may get the lowest premium rates and most likely will cut their rates substantially.

Insureds who fall short of the “perfect” profile will get more expensive rates which translates to the customer buying from someone else. Company advertisements say “people who switch” not “everyone that quotes” save that much. That’s the way insurance companies can advertise the way they do.

Because every company is different, you absolutely need to get insurance coverage quotes from several different companies. It’s just not possible to know which auto insurance company will have the lowest prices for your situation.

Car insurance coverage information

Having a good grasp of insurance aids in choosing the right coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical services, funeral expenses, repair bills for other people’s vehicles, attorney fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your 2018 Mercedes-Benz C-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like funeral costs, prosthetic devices, dental work, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your C-Class resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hail damage and a broken windshield. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Affordable insurance is out there

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In too many instances, drivers have reduced liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

Cheaper insurance can be found both online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer rate quotes online and these regional carriers only sell coverage through independent insurance agencies.

People leave their current company for any number of reasons including delays in responding to claim requests, denial of a claim, not issuing a premium refund and even extreme rates for teen drivers. Whatever your reason, finding a new company can be easier than you think.

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