2001 Mercedes-Benz C-Class Car Insurance Quotes

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.

Verify you’re applying every discount

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.

  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Savings for New Vehicles – Insuring a vehicle that is new is cheaper because newer vehicles have to meet stringent safety requirements.
  • Bundled Policy Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Driving Data Discount – Drivers who agree to allow data collection to spy on their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if they are good drivers.
  • Distant Student Discount – Older children who are attending college and won’t have access to an insured vehicle could qualify for this discount.
  • Student Discounts – Getting good grades could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Save over 55 – Seniors can possibly qualify for better auto insurance rates for C-Class coverage.
  • Military Discounts – Having a family member in the military could qualify you for better rates.
  • Life Insurance Discount – Some insurance carriers give lower prices if you buy some life insurance in addition to your auto policy.

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:

  • Progressive has discounts for good student, multi-policy, online signing, online quote discount, homeowner, multi-vehicle, and continuous coverage.
  • SAFECO discounts include accident prevention training, anti-lock brakes, drive less, teen safety rewards, and teen safe driver.
  • American Family offers discounts for TimeAway discount, good driver, good student, multi-vehicle, air bags, mySafetyValet, and defensive driver.
  • MetLife offers discounts including good driver, claim-free, defensive driver, good student, multi-policy, accident-free
  • Geico policyholders can earn discounts including anti-theft, emergency military deployment, seat belt use, military active duty, defensive driver, and good student.
  • The Hartford may offer discounts for good student, bundle, driver training, vehicle fuel type, and air bag.

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.

Eight tips to get cheap insurance rates

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.

  • Prices can change based on your address – Living in areas with lower population is a good thing when trying to find low car insurance rates. Drivers who live in large cities tend to have more aggressive driving styles and more time behind the wheel. Less people translates into fewer accident claims and a lower car theft rate.
  • Avoid coverage lapses – Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your insurance coverage expire. Not only will rates go up, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • High deductibles cost less – Protection for physical damage, also known as collision and other-than-collision, protects your Mercedes-Benz from damage. A few examples of covered claims are a windshield shattered by a rock, vandalism, and damage caused by flying debris. The deductibles tell how much you are willing to pay out-of-pocket before a claim is paid by your company. The more damage repair cost you pay before a claim is paid (deductible), the bigger discount you will receive for C-Class coverage.
  • Your career may increase premiums – Occupational choices like judges, social workers and emergency personnel tend to have higher premiums than the average policyholder in part from job stress and long work hours. Conversely, occupations such as scientists, students and the unemployed get better rates for C-Class coverage.
  • Does insurance coverage cost more for men? – Over time, data shows that women are safer drivers than men. That doesn’t necessarily mean that females are better drivers. Both genders have fender benders at a similar rate, but the men have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI).
  • Safer vehicles means lower premiums – Cars with high safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies which can result in lower premiums.
  • Small claims can cost you – If you’re an insured who likes to file claims you can pretty much guarantee either higher rates or even cancellation. Companies generally give lower rates to drivers who file claims infrequently. Your insurance policy is intended for claims that pose a financial burden.
  • Get hitched and get better costs – Getting married helps lower the price when shopping for auto insurance. It may mean you are more mature it has been statistically shown that drivers who are married file infrequent claims.

When should I discuss my situation with an agent?

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.

  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if hit by an uninsured driver?
  • Does my 2001 Mercedes-Benz C-Class need full coverage?
  • What if I total my 2001 Mercedes-Benz C-Class and owe more than it’s worth?
  • Is my dog or cat covered if injured in an accident?
  • Is my babysitter covered when using my vehicle?
  • I don’t drive much so do I pay less?
  • Is my custom paint covered by insurance?

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.

Detailed coverages of your insurance policy

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.

Better coverage you can count on

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

Comments About 2001 Mercedes-Benz C-Class Insurance

  1. 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.

  2. Birdie Sykes

    In Raleigh, North Carolina, 21st Century is a good choice. I only have liability coverage on it.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. Rufina Gentry

    Need cheaper insurance rates for my teenage driver in San Jose, CA!!

  8. 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.

  9. 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.