2013 Mercedes-Benz C-Class Insurance Quotes

Finding cheaper insurance for a Mercedes-Benz C-Class could be an all-consuming task, but you can follow our insurance buying tips to save time. There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to quote coverages for your Mercedes-Benz and obtain the lowest possible price.

It’s smart to compare premium rates periodically since insurance prices go up and down regularly. Even if you got the lowest quotes for C-Class insurance last year other companies may now be cheaper. There is a lot of bad advice regarding insurance online, but in this article, you’re going to get some tested techniques to quit paying high insurance rates.

How to get auto insurance rate quotes

The majority of larger companies like Geico, State Farm and Progressive allow consumers to get price estimates from their websites. Doing online quotes is fairly simple because it’s just a matter of typing in your coverage preferences as detailed in the form. When complete, the system automatically retrieves your credit score and driving record and returns a price quote.

Quoting online makes it easy to compare insurance prices but having to visit multiple sites and type in the same information gets old quite quickly. But it’s very important to have as many quotes as possible in order to get a better rate.

There is a better way to compare rates

A better way to locate the lowest prices uses one form that gets prices from more than one company. It’s a real time-saver, requires less work, and makes price shopping online a little more enjoyable. After your information is entered, it is quoted and you can choose any or none of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process takes less than 15 minutes and can result in significant savings.

To quickly compare pricing, click here and input your coverage information. If you currently have coverage, we recommend you copy deductibles and limits just like they are on your policy. Using the same limits helps guarantee you are getting a fair comparison based on the exact same insurance coverage.

Can switching companies really save?

Consumers get pounded daily by advertisements that claim the lowest premium rates by companies like Geico, State Farm and Progressive. They all make an identical promise about saving some big amount if you change to them.

How do they all make almost identical claims? Here is how they do it.

Insurance providers have a certain “appetite” for the driver that earns them the most money. A good example of a profitable insured may be married and over the age of 30, carries full coverage, and has great credit. Any new insured who matches that profile will qualify for the lowest car insurance rates and have a good chance to save a lot if they switch.

Drivers who may not quite match this ideal profile will get more expensive rates with the end result being the prospect going elsewhere. The trick companies use is to say “customers that switch” not “everybody who quotes” save that much money. That’s the way insurance companies can lure you into getting a quote. This emphasizes why you really should do a price quote comparison at every renewal. It’s just not possible to know the company that will have the best premium rates.

Use discounts on car insurance

Some companies don’t necessarily list all possible discounts very well, so the following is a list of both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Military Rewards – Having a family member in the military can result in better premium rates.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars with the same car insurance company can get a discount for every vehicle.
  • Policy Bundle Discount – When you combine your auto and homeowners insurance and insure them with the same company you may save at least 10 to 15 percent or more.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower premium rates due to less chance of an accident.
  • Save with a New Car – Buying a new car instead of a used car can cost up to 25% less since new vehicles have better safety ratings.
  • Online Discount – Many companies will provide an incentive for completing your application digitally online.
  • Save over 55 – Mature drivers may receive a slight reduction on a auto insurance quote for C-Class insurance.
  • Discount for Home Ownership – Simply owning a home may trigger a policy discount on car insurance because maintaining a house means you have a higher level of financial diligence.
  • Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.

Just know that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, that’s just not realistic. But any discount will bring down your car insurance premiums.

Larger car insurance companies and the discounts they provide are:

  • Progressive may have discounts that include multi-policy, online signing, multi-vehicle, continuous coverage, and homeowner.
  • Geico may include discounts for defensive driver, air bags, anti-theft, good student, five-year accident-free, seat belt use, and membership and employees.
  • State Farm includes discounts for safe vehicle, good student, anti-theft, multiple autos, good driver, and multiple policy.
  • Esurance policyholders can earn discounts including renters, multi-policy, good driver, defensive driver, claim free, anti-lock brakes, and multi-car.
  • The Hartford offers discounts including defensive driver, vehicle fuel type, driver training, bundle, air bag, anti-theft, and good student.

Before you buy a policy, ask every insurance company how you can save money. Savings may not be offered in your state. To see a list of car insurance companies with discount rates, click here.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions can aid in determining whether you would benefit from professional advice.

  • When should I not file a claim?
  • What is PIP insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my teen driver covered when they drive my company car?
  • Can I afford low physical damage deductibles?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company won’t pay a claim?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when pulling a rental trailer?
  • What exactly is covered by my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like surgery, doctor visits and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, fire damage and vandalism. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, colliding with a tree, driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as emergency aid, court costs, legal defense fees, loss of income and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Money doesn’t grow on trees

In this article, we presented some good ideas how to reduce 2013 Mercedes-Benz C-Class insurance premium rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding low cost auto insurance. You may even discover the lowest priced insurance comes from the smaller companies.

When you buy auto insurance online, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The goal is to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

Insureds switch companies for many reasons like high rates after DUI convictions, high prices, delays in paying claims and extreme rates for teen drivers. Regardless of your reason for switching companies, switching insurance companies can be easier than you think.

More detailed insurance information is available by following these links:

Comments About 2013 Mercedes-Benz C-Class Insurance

  1. Nubia Santana

    Like your site, BTW. Checking in from Shreveport, LA. Got car insurance quotes from Amica, Esurance, and Nationwide for my Mercedes-Benz and I think I saved around $50 each month. Insured with Farmers before.

  2. Darline Alvarado

    If you’re a decent driver and live in the vicinity of Fort Wayne, Indiana, check out State Farm. You might save some money. Bought it from an online quote.

  3. Freida Small

    If you’re a decent driver and live near Providence, Rhode Island, check out Progressive. They seem to be cheaper. I think they have home insurance too. It was easy to get rates.

  4. Roseann Klein

    I got decent rates for a 2013 Mercedes-Benz C-Class in Des Moines, IA. Ended up at darn near $580 every six months with Amica. Insured with Auto-Owners before. They offer free online rate quotes.

  5. Merilyn Alvarado

    If you have a good history and live in the vicinity of Seattle, Washington, check out 21st Century. They seem to be cheaper. Was with Nationwide. I’m a pretty low risk driver.

  6. Jeanne Barnett

    Mine is so expensive. I live just to the east of Cleveland, OH. Quoted with State Farm, Auto-Owners, and some I forget for my Mercedes-Benz and I think I saved about $50 each month. Ask about discounts.

  7. Minna Dalton

    What are minimum liability limits required in Nevada?

  8. Robin Sloan

    I found cheap 2013 Mercedes-Benz C-Class insurance in Springfield, Massachusetts with Progressive.

  9. Aretha Blevins

    From a town just southwest of Grand Rapids, MI. Can’t remember who all I quoted but I ended up saving about $50 each month. Just go online and compare their rates.

  10. Catarina Harvey

    I’m in the suburbs of Oklahoma City, OK. Got quotes with Nationwide, Farmers, GEICO, and American Family for my Mercedes-Benz and saved just over $90 a year.

  11. Pei Kane

    I live on the west side of Boise, Idaho. Got car insurance prices from Allstate, AIG Insurance, and some I forget for my 2013 Mercedes-Benz C-Class and I’m now saving $22 a month. A clean driving record helps. Bought it from an online quote.

  12. Kati Poole

    Lots of useful info here. Lifelong resident of Huntington, WV. I got free prices from American Family, Safeco, and Western Auto Insurance for my Mercedes-Benz and cut my rates about $270 a year.

  13. Chung Mcmahon

    All companies are crooks. I live just to the south of Aberdeen, SD. Got rates from Liberty Mutual, American Family, Nationwide, and a couple others for my 2013 Mercedes-Benz C-Class and am saving around $420 a year. Was with American Family. I get lower rates because of my clean driving record.

  14. Sherie Lyons

    Does Progressive offer multi-policy discounts?

  15. Boyd Rosa

    I found pretty cheap rate quotes for a 2013 Mercedes-Benz C-Class in Allentown, PA. Ended up at about $350 every six months with American Family. BTW speeding tickets are not good.

  16. Brigitte Anthony

    I live on the north side of San Diego, CA. Quoted with American Family, MetLife, and Western Auto Insurance for my 2013 Mercedes-Benz C-Class and saved just over $490 a year. Did it all online.

  17. Marybeth Gillespie

    I got decent rates for a 2013 Mercedes-Benz C-Class in Henderson, Nevada. Ended up at about $480 every six months with Amica. Left Eastwood to switch. I get multi-vehicle and multi-policy discounts. I got prices on the web.