Lower Your 2004 Mercedes-Benz C-Class Insurance Quotes

Sick and tired of wondering where the money will come from to keep your car insured? You are in the same boat as many other people.

You have so many auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, having more insurance companies makes it harder to find the lowest rates.

It’s a great practice to take a look at other company’s rates before your next renewal due to the fact that insurance prices are usually higher with each renewal. Just because you found the lowest quotes on C-Class insurance at your last renewal a different company probably has better rates today. Block out anything you think you know about insurance because we’re going to show you one of the easiest ways to properly buy coverages and cut your premium.

How to compare car insurance price quotes

Most major insurance companies such as Progressive, Allstate and Geico allow you to get prices direct online. Comparing prices online is pretty easy as all you need to do is type in your personal and coverage information as detailed in the form. Behind the scenes, their system will order your driving record and credit report and quotes a price. Quoting online simplifies rate comparisons, but the time required to go to each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s also necessary to have as many quotes as possible in order to get lower prices.

Rate comparisons made easy

The easiest way to compare rates utilizes a single form that analyzes rates from more than one company. It saves time, requires less work, and makes rate comparisons a lot less work. After sending your information, it gets priced and you can select any one of the returned quotes. If a lower price is quoted, you can click and sign and buy the new coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

To get comparison pricing now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in the insurance coverages identical to your current policy. This helps ensure you will get rate quotes using the exact same coverages.

You may qualify for discounts

Car insurance companies don’t list every discount very well, so the following is a list of some of the more common as well as some of the hidden insurance savings.

• Distant Student Discount – Any of your kids who are enrolled in higher education away from home and leave their car at home can receive lower rates.
• Buy New and Save – Buying insurance on a new vehicle can be considerably cheaper because newer models are generally safer.
• Claim Free – Drivers who don’t have accidents pay much less as opposed to drivers with a long claim history.
• Discount for Home Ownership – Just owning your own home may earn you a small savings because of the fact that having a home is proof of financial responsibility.
• Mature Driver Discount – If you qualify as a senior citizen, you are able to get a discount up to 10% on C-Class insurance.
• Save with More Vehicles Insured – Buying insurance for multiple cars with the same insurance company can reduce rates for all insured vehicles.
• Military Rewards – Being deployed in the military may lower your insurance rates slightly.
• Include Life Insurance and Save – Insurance companies who offer life insurance give lower prices if you buy a life policy as well.
• Discount for Swiching Early – A few insurance companies give discounts for switching to them prior to your current policy expiration. You could save around 10% when you buy insurance online.

Keep in mind that most credits do not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts should help reduce the amount you pay for coverage.

Auto insurance companies that possibly offer most of the discounts above may include but are not limited to:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

When comparing rates, check with all companies you are considering which discounts you qualify for. Discounts might not be offered everywhere. If you would like to view insurers who offer free insurance quotes, click this link.

There’s no such thing as the perfect insurance policy

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine if your insurance needs may require specific advice.

• What happens if I owe more than my 2004 Mercedes-Benz C-Class is worth?
• What companies insure drivers after a DUI or DWI?
• Is my state a no-fault state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need special endorsements for business use of my vehicle?
• Should I file a claim if it’s only slightly more than my deductible?
• What is the difference between comprehensive and collision coverage?
• Is business property covered if stolen from my car?
• Which companies will insure high-risk drivers?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Specific coverage details

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, prosthetic devices, pain medications and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, vandalism and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

This will cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of 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 means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, legal defense fees, structural damage, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Mercedes-Benz C-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Auto collision coverage

This will pay to fix damage to your C-Class resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, hitting a mailbox, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.