Cheap 2008 Mercedes-Benz C-Class Insurance Quotes

Finding cheaper insurance for your Mercedes-Benz C-Class could be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for insurance coverage and we’ll show you the quickest way to quote coverages for a new or used Mercedes-Benz and find the best price possible.

It’s a good idea to shop coverage around before your next renewal because insurance coverage rates are usually higher with each renewal. Just because you found the best rate on C-Class coverage last year the chances are good that you can find a lower price today. There are lots of tips to save on insurance coverage online but you can learn a lot of great tips on how to slash your insurance coverage rates.

Choosing the best insurance company for you is quite easy. If you are insured now or are looking for a new policy, you can use this information to cut your premiums while maximizing coverage. Consumers just need to learn the best way to compare price quotes online.

Get cheaper rates by receiving discounts

Auto insurance companies don’t always publicize all available discounts very well, so we break down some of the more common in addition to some of the lesser obvious discounts that may be available.

• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
• Drive Safe and Save – Drivers without accidents could pay up to 40% less on C-Class coverage than drivers with accidents.
• New Car Discount – Adding a new car to your policy can be considerably cheaper since newer vehicles have better safety ratings.
• 55 and Retired – Older drivers are able to get a slight reduction on a auto insurance quote on C-Class coverage.
• Service Members Pay Less – Being deployed with a military unit could be rewarded with lower prices.
• Bundled Policy Discount – If you have multiple policies with the same company they may give you a discount of at least 10% off all policies.
• Telematics Discount – People who choose to allow data collection to track their driving habits through the use of a telematics system like Allstate’s Drivewise may see discounts if they have good driving habits.

As a sidenote, some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and some of the premium reductions they offer can be read below.

• Travelers offers discounts including early quote, home ownership, new car, hybrid/electric vehicle, and payment discounts.
• 21st Century may include discounts for student driver, automatic seat belts, anti-lock brakes, driver training, air bags, and theft prevention.
• State Farm policyholders can earn discounts including good student, multiple policy, anti-theft, passive restraint, defensive driving training, and safe vehicle.
• Geico offers premium reductions for daytime running lights, anti-theft, federal employee, good student, seat belt use, and anti-lock brakes.
• SAFECO includes discounts for multi-car, teen safe driver, anti-lock brakes, bundle discounts, and teen safety rewards.
• AAA has savings for pay-in-full, good student, AAA membership discount, multi-car, and anti-theft.

When getting a coverage quote, ask each company to give you their best rates. Discounts might not be offered on policies in every state. To see a list of insurance coverage companies that offer multiple discounts, click here.

First Step: Get free car insurance quotes

Most of the larger companies like Allstate and Progressive provide insurance quotes direct online. Comparing prices online is very simple because it’s just a matter of typing in your required coverages into a form. When complete, the system will obtain your credit score and driving record and returns a price.

Online price quotes makes comparing rates easy, but the work required to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to do this in order to find the lowest possible prices on car insurance.

The easy way to compare rates

The quickest way to find lower prices utilizes a single form that gets prices from a bunch of companies at once. The form is fast, reduces the work, and makes online quotes much easier to do. Immediately after you send the form, it is rated and you can choose any one of the resulting price quotes. If you find a better price you can click and sign and buy the new coverage. This process takes just a few minutes to complete and could lower your rates considerably.

To save time and compare pricing, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy as shown on your current policy. This helps ensure you will get comparison quotes based on the exact same insurance coverage.

Your auto insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

• Does medical payments coverage apply to all occupants?
• Which is better, split liability limits or combined limits?
• Will I lose any money if I cancel my policy before it expires?
• Is my dog or cat covered if injured in an accident?
• Am I covered if hit by an uninsured driver?
• Why am I required to buy high-risk coverage?
• Is a new car covered when I drive it off the dealer lot?
• How much liability insurance is required?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance policy coverages for a 2008 Mercedes-Benz C-Class

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz C-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for liability – This coverage provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as bail bonds, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Collision – This coverage will pay to fix damage to your C-Class resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, doctor visits and pain medications. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A fool and his money are soon parted

You just learned quite a bit of information on how to shop for 2008 Mercedes-Benz C-Class insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost auto insurance. Consumers may even find the lowest priced insurance comes from a smaller regional carrier.

When searching for cheaper auto insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.

People leave their current company for a number of reasons such as policy non-renewal, being labeled a high risk driver, unfair underwriting practices and delays in paying claims. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.

To learn more, feel free to browse the following helpful articles:

• Property Damage Coverage (Liberty Mutual)
• Help Your Teen Be a Better Driver (State Farm)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)