Want lower insurance coverage rates for your Mercedes-Benz C-Class? Perplexed by the crazy number of insurance coverage providers in your area? drivers have so many options that it can turn into a lot of work to lower your premium rates.
Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the list below details both well-publicized and also the more inconspicuous auto insurance savings. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.
Don’t be shocked that most discount credits are not given the the whole policy. Most only cut individual premiums such as comp or med pay. Even though the math looks like you could get a free auto insurance policy, companies don’t profit that way.
The best auto insurance companies and their offered discounts are:
It’s a good idea to ask every company which discounts they offer. All car insurance discounts may not apply to policyholders in your area.
Many different elements are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but other criteria are more obscure like your vehicle usage or how safe your car is.An important part of buying insurance is that you know the rating factors that go into determining your auto insurance rates. If you know what positively or negatively impacts your premiums, this enables informed choices that can earn you better auto insurance rates.
Listed below are some of the things that factor into premiums.
When buying coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.
Here are some questions about coverages that might help in determining if you might need an agent’s assistance.
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.
Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a bird, a broken windshield, vandalism, hitting a deer and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical expense insurance
Coverage for medical payments and/or PIP pay for immediate expenses like doctor visits, surgery, ambulance fees, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz C-Class.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Collision coverage protection
Collision coverage pays for damage to your C-Class resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as colliding with a tree, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.
Liability
Liability insurance protects you from damage that occurs to people or other property. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage protects against things like repair bills for other people’s vehicles, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.
We just showed you a lot of ways to get a better price on 2001 Mercedes-Benz C-Class insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. You may even discover the best prices are with a company that doesn’t do a lot of advertising.
While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an insured cut physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.
A few companies don’t offer online price quotes and these smaller companies only sell through independent agencies. More affordable insurance is attainable online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates.
Additional insurance information can be found at the links below
Edith Gallagher
I live on the north side of Houston, TX. Quoted prices online for a 2001 Mercedes-Benz C-Class. Ended up at about $100 savings annually. Went with Progressive. I quoted rates online then called them. Book value doesn’t justify full coverage anymore.
Birdie Sykes
In Raleigh, North Carolina, 21st Century is a good choice. I only have liability coverage on it.
Tamatha William
I live in Mesa, Arizona. Went online for free insurance quotes for a 2001 Mercedes-Benz C-Class. Ended up at about $90 savings annually. Went with State Farm. Left Esurance to switch. I have a teen driver too. I quoted rates online then called them.
Mirta Hooper
Live in the northern part of Miami, FL. Got free quotes online for a 2001 Mercedes-Benz C-Class. Ended up at about $90 savings annually. Went with State Farm. Insured with Progressive before.
Chin Meyers
I got a good deal I think. I live in Springfield, MA. Don’t remember every company but I ended up saving about $20 each month. I think they have home insurance too. I recommend comparing lots of rates.
Tamar Burris
Enjoyed the article. Live in the western part of Fort Wayne, Indiana. I don’t recall every quote but I ended up saving about $20 each month. Left Allstate to switch. I think they have home insurance too. It’s too old for full coverage.
Rufina Gentry
Need cheaper insurance rates for my teenage driver in San Jose, CA!!
Rudolf Nolan
I live in a small town just outside of Denver, Colorado. Got free quotes online for a 2001 Mercedes-Benz C-Class. Ended up at about $90 savings annually. Went with State Farm. Was with Travelers. Thankfully I’m not a high risk driver. Hardly afford to drive anymore.
Aleta Leach
Great site. Live in Billings, MT. Received rates from MetLife, Eastwood, Allstate, and Amica for my C-Class and cut my rates about $110 a year. Was with Encompass. I don’t put full coverage on it.