How Much Does 2010 Mercedes-Benz C-Class Insurance Cost?

Drivers have many options when trying to find the best price on Mercedes-Benz C-Class insurance. They can either waste time contacting agents getting price quotes or utilize the internet to get rate quotes. There are more efficient ways to find auto insurance online and you need to know the quickest way to get price quotes for a Mercedes-Benz and obtain the best price possible from both online companies and local agents.

Are you getting all your discounts?

Car insurance companies don’t always list every discount very clearly, so the following is a list of both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
  • Bundle and Save – If you have multiple policies with the same company you may save at least 10% off all policies.
  • Driver Safety – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • No Claims – Claim-free drivers pay much less when compared to accident-prone drivers.
  • Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on C-Class insurance depending on your company.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, car insurance companies aren’t that generous.

To see a list of insurance companies with the best car insurance discounts, click here to view.

The method we recommend to compare car insurance company rates is to know the trick auto insurance companies provide online access to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information such as if a SR-22 is needed, if you’re married, if the vehicle is leased, and how your vehicles are used. That rating data is then submitted to all major companies and you should receive rate quotes with very little delay.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • Is my camper covered by my car insurance policy?
  • Are my friends covered when driving my car?
  • Can I still get insurance after a DUI?
  • Who is covered by my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as court costs, bail bonds, emergency aid and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This will pay to fix damage to your C-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz C-Class.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for dental work, nursing services, EMT expenses and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, hail damage, falling objects, vandalism and theft. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Make an honest buck

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage for the lowest price.

We’ve covered many tips how you can reduce 2010 Mercedes-Benz C-Class insurance prices online. It’s most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the best prices are with the smaller companies.

Consumers leave their current company for a variety of reasons including policy non-renewal, extreme rates for teen drivers, delays in paying claims and even delays in responding to claim requests. Regardless of your reason, finding the right insurance coverage provider can be less work than you think.

Helpful articles