Compare 1998 Mercedes-Benz C-Class Car Insurance Rates

Consumers have options when looking for the best price on Mercedes-Benz C-Class insurance. They can either spend hours driving around trying to get quotes or leverage the internet to make rate comparisons.

There is a better way to shop for car insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Mercedes-Benz and get the lowest price from local insurance agents and online providers.

Smart consumers take time to compare rates periodically due to the fact that insurance prices are rarely the same from one policy term to another. Just because you found the best deal for C-Class insurance a year ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn one of the easiest ways to find better rates and still maintain coverage.

This article will tell you the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Drivers just need to learn the proper way to shop for auto insurance online.

The best way we recommend to compare rate quotes utilizes the fact car insurance companies participate in online systems to quote your coverage. To get started, all you need to do is provide details including if a SR-22 is required, if it has an alarm system, your education level, and your general credit rating. That rating data is sent automatically to insurance carriers in your area and they return cost estimate instantly to find the best rate.

To check rates for your 1998 Mercedes-Benz C-Class now, click here and enter the information requested.

Save a ton with these discounts

Car insurance is not cheap, but you might find some hidden discounts to help bring down the price. A few discounts will automatically apply when you quote, but some need to be requested specifically before they will apply.

• Discount for Life Insurance – Larger insurance companies have a lower rate if you buy some life insurance in addition to your auto policy.
• Driver Safety – Successfully completing a course that instructs on driving safety may get you a small discount if you qualify.
• Theft Prevention System – Cars optioned with advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• First Accident Forgiveness – but a handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims before the accident.
• Student Discount for Driver Training – Require your teen driver to sucessfully take a drivers education course in school or through a local driver safety program.
• Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks with one company can get a discount on all vehicles.
• Government Employee Discount – Having worked for a branch of the government can save as much as 8% for C-Class insurance with some insurance coverage companies.

Discounts lower rates, but most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Some of the insurance companies that may offer policyholders these discounts are:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

When comparing rates, check with each company or agent how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your area. For a list of insurers who offer online insurance coverage quotes, click here.

Smart choices result in lower insurance premiums

Multiple criteria are part of the equation when quoting car insurance. Some factors are common sense such as your driving record, but some are more obscure like where you live or your vehicle rating.

Shown below are some of the most common factors companies use to determine prices.

• What’s your car’s crash test rating? – Cars with five star safety ratings can get you lower premiums. These vehicles protect occupants better and lower rates of occupant injuries translates into savings for insurance companies and cheaper rates on your policy. If your Mercedes-Benz C-Class is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
• Driving citations cost more than a fine – Whether or not you get tickets impacts your car insurance rates tremendously. Even a single speeding ticket may increase your cost substantially. Drivers with clean records get better prices as compared to those with violations. Drivers with serious tickets such as DUI, reckless driving or excessive speeding might be required by their state to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
• Do you know you’re credit rating? – Having a good credit score is a big factor in calculating your auto insurance rates. Insureds that have excellent credit scores tend to be better drivers and file fewer claims than those with lower credit scores. If your credit rating is low, you could potentially save money when insuring your 1998 Mercedes-Benz C-Class by repairing your credit.
• Liability protection is important – The liability coverage on your policy will afford coverage when you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• If you don’t need it don’t buy it – There are a ton of additional extra coverages that you can get tricked into buying when buying auto insurance. Coverages like personal injury protection, towing, and term life insurance may not be needed and are just wasting money. They may sound like good ideas when you first buy your policy, but if you don’t need them remove them from your policy.

Insurance coverage can be complex

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

• Can I still get insurance after a DUI?
• Am I covered by my spouse’s policy after a separation?
• Is rental equipment covered for theft or damage?
• Is there coverage for injuries to my pets?
• How much liability insurance is required?
• How can I find cheaper teen driver insurance?
• When do I need to add a new car to my policy?
• How can I get my company to pay me more for my totalled car?
• Can I rent a car in Mexico?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Do you really save 40% when you switch?

Consumers can’t get away from ads for cheaper car insurance by companies like Allstate, Geico and Progressive. All the companies have a common claim that people will save just by moving your coverage to them.

How does every car insurance company say the same thing? It’s all in the words they use.

Most companies offer their best rates for the type of insured that earns them the most money. A good example of a profitable risk profile could possibly be between 25 and 40, has never had a claim, and drives a safe vehicle. Any customer that matches those criteria receives the best auto insurance rates and will save when they switch companies.

Consumers who do not meet the “perfect” profile may be required to pay higher premiums which translates to the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can confidently make the claims of big savings.

Because of the profiling, you need to do a quote comparison often. It is just not possible to predict which car insurance company will have better premium rates than you’re paying now.

Auto insurance coverage information

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like chiropractic care, ambulance fees, funeral costs, surgery and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan 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 coverage is not universally available and may carry a deductible

Liability coverage

This coverage protects you from damage or injury you incur to other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, loss of income, bail bonds, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

UM/UIM Coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz C-Class.

Since 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 important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, hitting a deer, hail damage, damage from getting keyed and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision coverage covers damage to your C-Class resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Shop smart and save

We just presented a lot of ways to compare 1998 Mercedes-Benz C-Class insurance premium rates online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with a small local company.

Some insurance providers do not provide rate quotes online and most of the time these smaller companies only sell through local independent agents. Discount 1998 Mercedes-Benz C-Class insurance is definitely available on the web and from local insurance agents, and you should be comparing both so you have a total pricing picture.

Drivers leave their current company for a variety of reasons including denial of a claim, policy cancellation, delays in paying claims or high rates after DUI convictions. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.

Additional information can be read on the following sites:

• Teen Driving Statistics (Geico)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)