2017 Mercedes-Benz C-Class Insurance Quotes

Want lower auto insurance rates? Drivers have options when trying to find the best price on Mercedes-Benz C-Class insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to find the lowest rates.

There is a right way and a wrong way to buy auto insurance and you need to know the proper way to compare rates for your Mercedes-Benz and get the cheapest rates.

Smart consumers take time to shop coverage around quite often because prices trend upward over time. Even if you think you had the best rates for C-Class insurance at your last renewal the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to find better rates and still maintain coverage.

If you have a policy now or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. The purpose of this post is to let you in on how to get online quotes. Drivers only need an understanding of the tricks to shop for car insurance on the web.

Compare quotes for car insurance

All the larger car insurance companies provide pricing directly from their websites. This process is possible for anyone as you simply type in the coverages you want into a form. After you complete the form, their rating system gets information on your driving record and credit history and gives you a price quote based on these factors.

Quoting online streamlines rate comparisons, but having to visit several different sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to do this if you want to find the best price possible.

A quicker way to locate the lowest prices uses one form that obtains quotes from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much easier to do. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To use this form to compare rates, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you copy your coverages as shown on your current policy. Doing this assures you are getting a rate comparison based on identical coverages.

Save a ton with these discounts

Insuring your vehicles can cost a lot, but there may be some discounts that you may not know about. Many of these discounts will be applied automatically when you purchase, but some may not be applied and must be specifically requested before you get the savings.

  • Accident Free – Claim-free drivers pay much less as opposed to insureds who have frequent claims or accidents.
  • Membership in Organizations – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount on your next auto insurance statement.
  • New Car Discount – Putting insurance on a new car can save you some money due to better safety requirements for new model year vehicles.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company you will save approximately 10% to 15%.
  • Senior Discount – Older drivers are able to get a small decrease in premiums for C-Class insurance.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save a little off the PIP or medical payment premium.
  • Good Grades Discount – Performing well in school may save you up to 25%. You can use this discount normally until age 25.
  • Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Multi-line Discount – Some companies give a break if you buy a life policy as well.

One last thing about discounts, many deductions do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.

To see a list of insurers who offer auto insurance discounts, click here.

Lower your insurance prices

Lots of factors are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious such as your credit history or your commute time.

  • Amount of liability – Liability insurance is the coverage that protects you if ever you are responsible for an accident. It provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Excellent credit saves on auto insurance – An insured’s credit history will be a significant factor in your rate calculation. If your credit score leaves room for improvement, you may save money insuring your 2017 Mercedes-Benz C-Class by taking the time to improve your credit score. Drivers who have good credit tend to be better risks to insure than drivers with worse credit.
  • Rural vs Urban Areas – Choosing to live in less populated areas of the country can be a good thing when trying to find low car insurance rates. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. People in densly populated areas regularly have traffic congestion and much longer commute distances. More time behind the wheel means more chance of being in an accident.
  • Infrequent drivers can save – The higher the miles on your Mercedes-Benz every year the more you’ll pay to insure it. Many insurance companies rate vehicles based on their usage. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. It’s a good idea to make sure your declarations sheet reflects how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your C-Class is just wasting money.
  • More stress means more cost – Occupational choices like military generals, architects and financial analysts generally pay higher premiums than the average policyholder due to high stress and long work hours. Conversely, jobs such as actors, athletes and homemakers generally pay rates lower than average for C-Class insurance.
  • Rates increase with policy add-ons – There are a ton of extra bells and whistles that can add up if you aren’t careful. Things like roadside assistance, accident forgiveness, and motor club memberships may not be needed and are just wasting money. They may seem good when buying your policy, but if you’ve never needed them in the past get rid of them and save.

Auto insurance can be complex

When choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.

For example, these questions can aid in determining whether you might need an agent’s assistance.

  • Do I benefit by insuring my home with the same company?
  • What are the best liability limits?
  • Do I need rental car coverage?
  • Why do I only qualify for high-risk insurance?
  • Am I covered by my spouse’s policy after a separation?
  • What is the minimum liability in my state?
  • What is roadside assistance coverage?
  • Am I covered when driving on a suspended license?
  • What if I total my 2017 Mercedes-Benz C-Class and owe more than it’s worth?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Learning about specific coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance will cover damage that occurs to a person or their property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, legal defense fees, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, X-ray expenses, ambulance fees, pain medications and EMT expenses. They are often 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 being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Collision coverage protection

Collision coverage pays for damage to your C-Class from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Never pay more for less

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

Insureds change insurance companies for any number of reasons including high prices, policy cancellation, an unsatisfactory settlement offer and even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

In this article, we presented a lot of information how to save on 2017 Mercedes-Benz C-Class insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the biggest savings come from a lesser-known regional company.

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