1999 Mercedes-Benz C-Class Insurance Cost – 7 Tricks for Cheapest Prices

Looking for cheaper auto insurance rates for your Mercedes-Benz C-Class? I doubt anyone anticipates paying for auto insurance, especially when they could find better rates elsewhere. Insurance companies such as State Farm, Allstate, Geico and Progressive constantly blast consumers with ad campaigns and it is difficult to separate fact from fiction and find the best price available.

Consumers should take time to do price comparisons once or twice a year due to the fact that insurance prices change frequently. Even if you think you had the best rates on C-Class coverage two years ago there may be better deals available now. There are lots of tips to save on auto insurance on the internet, but we’re going to give you some of the best ways to quit paying high auto insurance rates.

The best way to compare insurance rates in your area is to know most larger insurance companies have advanced systems to give you rate quotes. The one thing you need to do is give them some information such as distance driven, if you are currently licensed, if a SR-22 is required, and whether you are married. That information is instantly provided to insurance companies and they return cost estimate almost instantly.

To find the cheapest Mercedes-Benz C-Class insurance rates, click here and find out if lower rates are available.

Use discounts on insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even know about. Certain discounts will be applied at the time of quoting, but some may not be applied and must be requested specifically before you get the savings. If you’re not getting every credit available, you could be paying more than you need to.

  • Discounts for Cautious Drivers – Safe drivers can pay as much as 50% less on C-Class coverage than less cautious drivers.
  • Discount for Swiching Early – A few insurance companies give discounts for switching companies prior to your current policy expiring. You may see this discount when you get car insurance quotes online.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Bundle and Save – When you combine your homeowners and auto insurance and place coverage with the same company you may save up to 20% and get you the cheapest car insurance.
  • Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
  • Memberships – Joining a civic or occupational organization could qualify you for a break on your bill.

One thing to note about discounts is that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, companies wouldn’t make money that way.

To choose companies that offer some of these discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help you determine whether you will benefit from professional help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if hit by an uninsured driver?
  • Do I need added coverage for expensive stereo equipment?
  • Is my state a no-fault state?
  • How many claims can I have before being cancelled?
  • What is UM/UIM insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Beware of misleading insurance ads

Drivers get pounded daily by advertisements that claim the lowest rates from companies such as Allstate and Progressive. They all seem to make the point about savings if you get a free car insurance quote and switch your coverage.

How can each company give you a better price?

All the different companies are able to cherry pick for the type of customer that earns them the most money. An example of a profitable insured may need to be married and over the age of 30, has a clear driving record, and drives newer vehicles. Any customer that meets those criteria is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Consumers who do not match these criteria will be charged more expensive rates which leads to the customer buying from someone else. The ad wording is “customers who switch” not “everyone who quotes” save that kind of money. This is how companies can state the savings.

This illustrates why drivers must compare free car insurance quotes often. It is just not possible to predict which insurance companies will fit your personal profile best.

Coverage specifics

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for liability

This coverage will cover damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, fire damage, damage from a tornado or hurricane, hitting a bird and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for hospital visits, dental work, surgery and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

This covers damage to your C-Class resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Shop around and save

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an accident victim reduced full coverage to discover at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Cost effective 1999 Mercedes-Benz C-Class insurance can be purchased online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not have rate quotes online and many times these smaller providers sell through independent agents.

We’ve covered a lot of information how to save on 1999 Mercedes-Benz C-Class insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest car insurance. You may even discover the lowest premium rates come from the least-expected company. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

Additional detailed information can be found at these sites:

Comments About 1999 Mercedes-Benz C-Class Insurance

  1. Nakisha Gordon

    If you have a good history and live around Hartford, Connecticut, check out GEICO. You might get cheaper rates. Left Esurance to switch. :) Next renewal I’ll just do liability.

  2. Neta Morrow

    Located in Madison, Wisconsin. I got free prices from Hanover, AIG Insurance, MetLife, and a couple others for my 1999 Mercedes-Benz C-Class and saved about $100 a year. Left Liberty Mutual to switch. Are quotes cheaper online? It’s too old for full coverage.

  3. Lekisha Rodriquez

    I’m looking for cheaper coverage. Checking in from Mesa, AZ. Quoted with Liberty Mutual, Amica, Mercury, and a couple others for my Mercedes-Benz and saved just over $60 a year. Switched homeowners coverage too. Are quotes cheaper online? When should I drop full coverage?

  4. Scottie Reyes

    Does Kansas require a SR-22 after a DUI?

  5. Talisha Chambers

    Affordable car insurance is a myth. Checking in from Jackson, MS. Went online for free insurance quotes for a 1999 Mercedes-Benz C-Class. Ended up at about $90 savings annually. Went with Progressive. Left Auto-Owners to switch. My C-Class doesn’t have full coverage.

  6. Bernie Chang

    I chose to switch to Allstate from American Family. I live in Great Falls, MT.

  7. Cindi Rowland

    I’m looking for cheaper coverage. I live just outside Sioux Falls, SD. Not sure of all the companies but I ended up saving about $20 each month. Insured with AIG Insurance before. It’s only liability tho.

  8. Lorinda Mccoy

    Is GEICO or Erie cheap in Rochester, NY?

  9. Collette Barton

    I drive uninsured.