How Much Does 2010 Mercedes-Benz C-Class Insurance Cost?

Trying to find cheaper insurance rates for your Mercedes-Benz C-Class? Car insurance shoppers not familiar with comparing auto insurance quotes on the internet will discover sourcing cheaper insurance is harder than it should be.

Cheap insurance rates with discounts

Companies offering auto insurance don’t list their entire list of discounts very well, so we researched a few of the more well known as well as some of the hidden savings tricks you should be using when you buy insurance online. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.

• Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
• Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more on C-Class insurance than drivers with accident claims.
• Distant Student Discount – Older children living away from home attending college without a vehicle on campus can receive lower rates.
• Save with More Vehicles Insured – Buying a policy with multiple cars with the same company may reduce the rate for each vehicle.
• Save over 55 – Drivers that qualify as senior citizens may receive a small discount on rates on C-Class insurance.
• Driving Data Discount – Drivers who elect to allow data collection to spy on driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as they are good drivers.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, you won’t be that lucky. But any discount will cut your overall premium however.

A few of the larger companies and some of the premium reductions they offer are:

• State Farm discounts include anti-theft, driver’s education, multiple autos, defensive driving training, safe vehicle, and passive restraint.
• Esurance offers discounts for anti-theft, multi-car, safety device, claim free, anti-lock brakes, and Switch & Save.
• Progressive may offer discounts for multi-vehicle, homeowner, continuous coverage, online quote discount, good student, and multi-policy.
• Liberty Mutual has savings for new vehicle discount, safety features, newly retired, multi-car, hybrid vehicle, new move discount, and exclusive group savings.
• Auto-Owners Insurance includes discounts for safe vehicle, good student, anti-theft, multi-policy, and group or association.
• Geico may have discounts that include anti-theft, multi-vehicle, membership and employees, air bags, driver training, multi-policy, and seat belt use.

When quoting, ask every insurance company the best way to save money. Some discounts might not be offered on policies in your area.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can help discover whether or not you could use an agent’s help.

• Should I buy only the required minimum liability coverage?
• What is UM/UIM insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Do I have coverage when pulling a U-Haul trailer?
• Is my 2010 Mercedes-Benz C-Class covered for smoke damage?
• Should I have a commercial auto policy?
• When should I remove comp and collision on my 2010 Mercedes-Benz C-Class?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Do you really save 40% when you switch?

Big name companies like State Farm, Allstate and Geico regularly use ads in print and on television. All the companies state the claim that drivers can save some big amount if you just switch your policy. It sounds good, but how can they all sell you cheaper insurance coverage? Just pay attention to how they say it.

Insurance companies can use profiling for the type of driver that will be a good risk. For instance, a driver they prefer could possibly be between the ages of 30 and 45, has a low-risk occupation, and drives a vehicle with a low ISO rating. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Drivers who are not a match for these standards will probably be forced to pay higher rates and ends up with business going elsewhere. If you listen closely, the ads state “drivers that switch” not “everybody who quotes” will save that much if they switch. That’s why companies can lure you into getting a quote. This really emphasizes why drivers should get insurance quotes from several different companies. It’s just too difficult to predict which insurance companies will have the best premium rates at this point in time.

Auto insurance policy specifics

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for EMT expenses, rehabilitation expenses, nursing services and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability car insurance

This coverage can cover 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 for each person, bodily injury for the entire accident, and a limit for 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 $50,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, pain and suffering, medical expenses and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz C-Class.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This covers damage to your C-Class caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Don’t be a big spender

Insureds change insurance companies for a number of reasons such as poor customer service, unfair underwriting practices, high rates after DUI convictions or policy cancellation. No matter why you want to switch, choosing a new company is easier than you think.

We covered a lot of tips how to get a better price on 2010 Mercedes-Benz C-Class insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the best price on insurance coverage is with a smaller regional carrier.

Cheaper insurance coverage can be bought online and from local agencies, and you need to comparison shop both to have the best selection. Some insurance coverage companies do not offer online rate quotes and these regional carriers only sell coverage through independent agents.

Even more information can be found in these articles:

• Information for Teen Drivers (Geico)
• Older Driver Statistics (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Top Signs Your Brakes are Giving Out (State Farm)