Feeling guilty for buying overpriced car insurance? Believe me when I say many consumers are in the same pinch.
Companies like State Farm, Allstate, Geico and Progressive continually hit you with fancy advertisements and consumers find it hard to see past the corporate glitz and find the best price available.
You need to get comparison quotes on a regular basis since prices are constantly changing. Despite the fact that you may have had the best rate on C-Class coverage a year ago there is a good chance you can find better premium rates now. Block out anything you think you know about car insurance because you’re about to learn one of the best ways to lower your rates without sacrificing coverage.
Many factors are part of the equation when quoting car insurance. Some factors are common sense like a motor vehicle report, but other criteria are more obscure like where you live or your financial responsibility.A large part of saving on car insurance is knowing some of the elements that go into determining the level of your policy premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could result in lower car insurance prices.
Shown below are some of the most common factors used by companies to determine your premiums.
Some insurance providers don’t list the entire discount list very clearly, so we break down some of the more common and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.
Don’t be shocked that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, you’re out of luck.
Car insurance companies that have some of the discounts shown above include:
If you need lower rates, check with every insurance company how you can save money. Depending on the company, some discounts might not be offered on policies everywhere. If you would like to see a list of auto insurance companies that offer some of these discounts, click here to view.
When it comes to buying proper insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions may help highlight whether you will benefit from professional help.
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier
Having a good grasp of your car insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.
Liability insurance protects you from damage that occurs to people or other property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims like court costs, emergency aid, legal defense fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.
This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like a broken windshield, damage from flooding, hitting a deer and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as nursing services, surgery, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
This coverage will pay to fix damage to your C-Class resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
As you shop your coverage around, do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest cost, but do not skimp to save money.
You just learned some good ideas how you can save on 2009 Mercedes-Benz C-Class insurance. The key thing to remember is the more you quote auto insurance, the better chance you’ll have of finding cheaper auto insurance. You may be surprised to find that the lowest priced insurance comes from a small local company. They may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.
Budget-conscious 2009 Mercedes-Benz C-Class insurance is available online in addition to local insurance agencies, so you should compare both to have the best selection. A few companies may not offer internet price quotes and these regional insurance providers work with independent agencies.
For more information, feel free to visit these articles:
Iva Gaines
If you have a clean record and live in the vicinity of Bridgeport, CT, check out Progressive. They seem to be cheaper. Was with Eastwood. I get multi-vehicle and multi-policy discounts.
Rosann Leach
Looking for cheaper 2009 Mercedes-Benz C-Class insurance in Greensboro, NC. Help!
Dusty Clayton
Thought I’d throw in my experience. Checking in from Columbus, GA. Quoted rates from Safeco, Esurance, GEICO, and Amica for my 2009 Mercedes-Benz C-Class and saved just over $350 a year. I get lower rates because of my clean driving record.
Jeraldine Hopper
If you don’t have tickets and live in the vicinity of Saint Louis, MO, check out State Farm. You might save some money. Moved home policy as well. I quoted rates online then called them.
Tammi Carr
State Farm was cheapest for my 2009 Mercedes-Benz C-Class in Warwick, RI.
Trey Burke
Cheap car insurance? What’s that? Live in Rutland, Vermont. Got car insurance quotes with AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my Mercedes-Benz and I think I saved around $70 each month. Teenage drivers are expensive! Wish I didn’t have to insure at all.
Mirtha Parsons
This is too expensive. Quoted with Farmers for my Mercedes-Benz and saved around $230 a year. I get lower rates because of my clean driving record.
Larita Carson
Affordable car insurance is a myth. I’m in the east part of Biloxi, MS. I quoted with State Farm, Amica, and some I forget for my 2009 Mercedes-Benz C-Class and saved $263 a year. Insured with Esurance before. Hopefully won’t need it.
Concepcion Bentley
Great site. I’m in Wilmington, DE. Quoted prices online for a 2009 Mercedes-Benz C-Class. Ended up at about $220 savings annually. Went with GEICO. Was with Travelers.
Hannah Obrien
From a town just southwest of Honolulu, HI. I don’t recall every quote but I ended up saving about $30 each month. It never hurts to quote around.
Frances Barnes
2009 Mercedes-Benz C-Class + 21st Century = GOOD RATES!
Denese Foster
I live just outside San Diego, California. Compared rates from a lot of places. Saved darn near $50 a month. GEICO was the cheapest for me. I recommend comparing lots of rates.
Billie Fry
Great info, thanks for posting. Live in the northern part of Gaithersburg, MD. Received quotes from Nationwide, Encompass, Allstate, and American Family for my 2009 Mercedes-Benz C-Class and saved $361 a year. Insured with Erie before. A clean driving record helps. Did it all online.
Dot William
Where is cheaper car insurance? From a town just southwest of Las Cruces, NM. Got free quotes online for a 2009 Mercedes-Benz C-Class. Ended up at about $180 savings annually. Went with State Farm. Insured with GMAC before. I’m a pretty good driver though. Can still barely afford it.
Fredricka Brennan
I live north of Biloxi, MS. Checked online prices for a 2009 Mercedes-Benz C-Class. Ended up at about $210 savings annually. Went with State Farm. Insured with AAA before.
Hollie Wright
If you have a good history and live in the vicinity of Cincinnati, OH, check out Allstate. You might save some money. Left State Farm to switch. It’s easy to compare rates online now.
Bessie Barlow
Well-written and thought out article. I live just outside Augusta, Georgia. I got free quotes with AIG Insurance, Sentry, and a few others for my Mercedes-Benz and saved $244 a year.
Jonas Mccullough
Nice post. Proud to be from Baltimore, MD. Got prices from Hartford, AAA, MetLife, and a couple others for my 2009 Mercedes-Benz C-Class and I’m now saving $55 a month. Left Auto-Owners to switch. I’m a pretty good driver though.
Norine Little
I’m in the west part of Grand Rapids, Michigan. I quoted with Amica, Erie, and Sentry for my 2009 Mercedes-Benz C-Class and I’m now saving $50 a month.
Luanna Ayers
Does New Mexico require liability coverage?