2011 Mercedes-Benz C-Class Car Insurance Quotes

Looking for cheaper auto insurance rates for your Mercedes-Benz C-Class? Finding cheaper insurance for your Mercedes-Benz C-Class could be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to quote coverages for your Mercedes-Benz and find the lowest price.

It’s a great practice to do rate comparisons yearly since insurance prices are usually higher with each renewal. If you had the lowest rates on C-Class insurance on your last policy there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because you’re about to learn the fastest way to find better coverage at a better price.

If you have a current car insurance policy or are shopping for new coverage, you can learn to reduce the price you pay while maintaining coverages. Pricing more affordable protection is quite easy. Drivers just need to learn the most effective way to compare company rates on the web.

The easiest way to compare rate quotes takes advantage of the fact almost all companies participate in online systems to provide you with a free rate quote. The only thing you need to do is give the companies some data including your occupation, if it has an anti-theft system, if you went to college, and whether your vehicle is owned or leased. Your insurance information is instantly provided to multiple different insurance companies and you get price estimates instantly.

Get lower rates by earning discounts

Some insurance providers do not list every discount very well, so the following list contains a few of the more common as well as some of the hidden discounts that you may qualify for.

• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• Multi-line Discount – Larger auto insurance companies have a break if you buy life insurance from them.
• ABS Braking Discount – Cars with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
• Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
• No Claim Discounts – Drivers with accident-free driving histories pay less when compared to insureds who have frequent claims or accidents.
• Early Signing – A few insurance companies offer discounts for switching companies before your current expiration date. It can save you around 10%.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
• Cautious Drivers – Safe drivers can get discounts for up to 45% lower rates on C-Class insurance than drivers with accidents.
• Telematics Devices – Policyholders that allow driving data submission to track driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.

As a footnote on discounts, most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

Some of the insurance companies who may offer some of the discounts shown above are:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Double check with all the companies what discounts are available to you. A few discounts may not be available in every state.

Your insurance coverage coverage should be tailored to you

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

• Why do I need rental car insurance?
• Can I afford to pay high deductible claims out of pocket?
• What can I do if my company denied a claim?
• Do I need medical payments coverage since I have good health insurance?
• At what point should I drop full coverage?
• Do I need motorclub coverage?
• Will I lose any money if I cancel my policy before it expires?
• Does my insurance cover a custom paint job?
• What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Insurance coverage options for a Mercedes-Benz C-Class

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage covers damage to your C-Class caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, hitting a parking meter, sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

This will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like court costs, emergency aid and funeral expenses. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Mercedes-Benz C-Class.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses like prosthetic devices, EMT expenses, nursing services, ambulance fees and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Pennies from heaven

We’ve covered many ideas to get a better price on 2011 Mercedes-Benz C-Class insurance. The key thing to remember is the more you quote car insurance, the better your chances of lowering your rates. You may even find the most savings is with a smaller regional carrier.

Consumers switch companies for a number of reasons such as being labeled a high risk driver, high prices, high rates after DUI convictions or even poor customer service. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

When getting car insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best cost.

Additional detailed information can be found by following these links:

• Comprehensive Coverage (Liberty Mutual)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)