View 1997 Mercedes-Benz C-Class Insurance Quotes

Searching for low-cost insurance for a Mercedes-Benz C-Class can normally be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to buy insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Mercedes-Benz and get the lowest price.

Smart consumers take time to do price comparisons every six months due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you found the lowest rates on C-Class insurance six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we’re going to show you the only way to properly buy coverages and cut your premium.

The method we recommend to compare insurance rates from multiple companies is to take advantage of the fact most of the bigger providers have advanced systems to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details like driver details, whether your vehicle is owned or leased, if you have a valid license, and daily mileage. That information is automatically sent to all major companies and they respond with quotes within a short period of time.

Are you falling for claims of savings?

Drivers can’t ignore all the ads that promise big savings by companies like State Farm, Geico and Progressive. They all seem to try to convey promises about savings just by moving your auto insurance policy to them.

It sounds good, but how can they all give you a lower rate? Here is the trick they use.

All companies have strict underwriting profiles for the type of driver that will add to their bottom line. For instance, this type of insured may need to be between 30 and 50, carries full coverage, and has great credit. A propective insured who matches that profile is entitled to the best price and will also save when they switch companies.

Potential insureds who don’t qualify for those standards will get higher premiums which leads to business not being written. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully state the savings.

This illustrates why you really need to get a wide range of price quotes. It’s impossible to know the company that will have the lowest rate quotes.

Learn how to lower your insurance costs

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. If you know what determines premiums, this helps enable you to make changes that could result in lower premium levels.

The factors shown below are some of the factors utilized by car insurance companies to help set prices.

• Extra coverages can cost a lot – Policies have additional coverages that you can get tricked into buying but may not be useful. Insurance for coverage for rental cars, accidental death, and motor club memberships may be wasting your money. You may think they are a good idea when deciding what coverages you need, but if you’ve never needed them in the past eliminate them to save money.
• Small claims can cost you – Companies generally give better rates to insureds who are claim-free. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
• Vehicle features can affect premiums – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft and help lower rates.
• You may save more by combining policies – Most major insurance companies afford discounts to customers who have multiple policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to get quotes from other companies to verify if the discount is saving money.

Reduce your auto insurance rates with discounts

Some insurers don’t list every policy discount very well, so the below list has a few of the more common and the more hidden discounts that you can inquire about if you buy auto insurance online. If you do not double check each discount you deserve, it’s possible you qualify for a lower rate.

• ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can reduce accidents and will save you 10% or more.
• Switch and Save Discount – A few insurance companies give discounts for buying a new policy prior to your current policy expiring. This discount can save up to 10%.
• Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
• Air Bags and Passive Restraints – Options like air bags can get savings of up to 25% or more.
• Defensive Driving Course – Taking time to complete a driver safety course could cut 5% off your bill and make you a better driver.
• Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
• Mature Driver Discount – Drivers that qualify as senior citizens can get lower premium rates on C-Class insurance.

One thing to note about discounts is that some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.

A few popular companies and their possible discounts are outlined below.

• State Farm offers discounts including Steer Clear safe driver discount, multiple autos, anti-theft, driver’s education, Drive Safe & Save, good driver, and multiple policy.
• American Family may offer discounts for Steer into Savings, early bird, multi-vehicle, defensive driver, and air bags.
• AAA has savings for multi-car, good driver, anti-theft, pay-in-full, and multi-policy.
• Geico may have discounts that include daytime running lights, good student, anti-lock brakes, military active duty, and federal employee.
• Mercury Insurance includes discounts for ease of repair, good driver, accident-free, multi-policy, and location of vehicle.
• Farmers Insurance discounts include mature driver, switch companies, pay in full, business and professional, homeowner, bundle discounts, and distant student.
• Progressive may include discounts for good student, continuous coverage, online quote discount, homeowner, multi-vehicle, online signing, and multi-policy.

If you want affordable auto insurance quotes, ask all the companies which discounts you qualify for. Some credits might not be offered in your area.

You are unique and your insurance should be too

When it comes to choosing the best insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might point out whether you might need an agent’s assistance.

• Do I need higher collision deductibles?
• Is my 1997 Mercedes-Benz C-Class covered for smoke damage?
• Do I have coverage when pulling a U-Haul trailer?
• How many claims can I have before being cancelled?
• Is my Mercedes-Benz C-Class covered if I use it for business?
• What exactly is covered by my policy?
• Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of car insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive car insurance

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

Comprehensive coverage protects against things such as falling objects, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Coverage for liability

This coverage will cover damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, medical services, repair bills for other people’s vehicles, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, dental work, rehabilitation expenses, X-ray expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Be a money saver!

Consumers change insurance companies for a variety of reasons including poor customer service, an unsatisfactory settlement offer, unfair underwriting practices or even lack of trust in their agent. It doesn’t matter what your reason, switching companies is less work than it seems.

We just showed you a lot of ways to lower your 1997 Mercedes-Benz C-Class insurance premium rates. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest premium rates are with a lesser-known regional company.

There are still a few companies who may not have online rate quotes and most of the time these regional carriers only sell coverage through independent agents. Budget-conscious 1997 Mercedes-Benz C-Class insurance is definitely available on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from.

Much more information about car insurance is available at these links:

• State Car Insurance Guides (Geico)
• Should I Buy a New or Used Car? (Allstate)
• Collision Insurance Coverage (Nationwide)
• Prom Night Tips for Teen Drivers (State Farm)
• Side Impact Crash Tests (iihs.org)