Cheaper 1994 Mercedes-Benz C-Class Car Insurance Quotes

No car owner enjoys paying for insurance, especially when the prices are way too high.

With people having so many online and local companies to choose from, it can be hard to choose the best insurance provider.

It’s smart to get comparison quotes before your policy renews since prices trend upward over time. Even if you got the lowest quotes for C-Class insurance at your last renewal other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to learn the quickest way to properly buy coverages while reducing your premium.

Finding the best rates is quite easy. In a nutshell, everyone who is required by state law to have insurance coverage will more than likely be able to find better rates. Nevertheless, car owners must comprehend how big insurance companies price insurance differently and use this information to your advantage.

Lower-cost insurance coverage quotes with discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but some need to be specifically requested in order for you to get them. If you do not double check each discount you qualify for, you could be paying more than you need to.

• Safety Course Discount – Completing a defensive driver class is a good idea and can lower rates and make you a better driver.
• Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
• Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for C-Class insurance depending on your insurance coverage provider.
• ABS Braking Discount – Vehicles with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
• Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts could see savings of 25 to 30%.
• Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class if offered at their school.
• Paper-free Discount – Many companies will give a small break for signing up online.
• Policy Bundle Discount – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
• Drive Safe and Save – Drivers without accidents can save as much as half off their rates for C-Class insurance than less cautious drivers.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

A few of the larger companies and a selection of discounts are shown below.

• Geico policyholders can earn discounts including five-year accident-free, military active duty, air bags, daytime running lights, anti-theft, and multi-policy.
• Travelers has savings for IntelliDrive, good student, hybrid/electric vehicle, payment discounts, student away at school, continuous insurance, and new car.
• Nationwide discounts include business or organization, defensive driving, anti-theft, multi-policy, and family plan.
• Farmers Insurance may have discounts that include early shopping, electronic funds transfer, teen driver, homeowner, and alternative fuel.
• Esurance has discounts for good driver, renters, homeowner, anti-theft, paid-in-full, defensive driver, and DriveSense.
• State Farm offers discounts including passive restraint, good driver, multiple autos, good student, Steer Clear safe driver discount, student away at school, and anti-theft.
• Progressive includes discounts for good student, online quote discount, continuous coverage, online signing, homeowner, and multi-vehicle.
• Mercury Insurance may include discounts for good student, ease of repair, professional/association, age of vehicle, accident-free, and anti-theft.

When getting free car insurance quotes, it’s a good idea to all companies you are considering the best way to save money. A few discounts may not be available in your area. To choose companies that provide some of the discounts listed above, click this link.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

• Are my friends covered when driving my 1994 Mercedes-Benz C-Class?
• Are all vehicle passengers covered by medical payments coverage?
• Does my personal policy cover me when driving out-of-state?
• Should I drop comprehensive coverage on older vehicles?
• Does my liability insurance cover pulling a trailer or camper?
• What is the difference between comprehensive and collision coverage?
• Is there coverage for injuries to my pets?
• How do I file an SR-22 for a DUI in my state?
• Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Drivers who switch save $420 a year? Really?

Companies like Allstate, Geico and Progressive endlessly run television and radio advertisements. They all try to convey promises about saving some big amount if you switch to them. That’s great but how can every company give you a better price? Here is how they do it.

Insurance companies have a certain “appetite” for the type of driver that will add to their bottom line. One example of a profitable insured could be between the ages of 30 and 50, is a homeowner, and does not commute to work. Any new insured who matches that profile will qualify for the lowest prices and will most likely save when switching.

Potential insureds who are not a match for these standards will see higher premium rates and this can result in the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can make those claims. Because of these techniques, it’s extremely important to get as many free car insurance quotes as possible. It is impossible to predict with any certainty which company will have better premium rates than you’re paying now.

Coverage specifics

Having a good grasp of car insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, pain medications and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability coverages – Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, emergency aid, loss of income, pain and suffering and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from getting keyed and damage from flooding. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

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

Collision insurance covers things such as rolling your car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

More quotes. Lower rates.

When shopping online for car insurance, make sure you don’t reduce needed coverages to save money. In many cases, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

We just presented some good ideas how to reduce 1994 Mercedes-Benz C-Class insurance premium rates online. It’s most important to understand that the more times you quote, the higher your chance of finding the cheapest car insurance. You may even discover the most savings is with the smaller companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

For more information, feel free to browse the resources below:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)