Save on 2014 Mercedes-Benz C-Class Insurance Cost

Purchasing the cheapest car insurance over the internet can appear to be rather difficult for people that are not comfortable with quoting and comparison shopping online. With dozens of companies, how are people expected to even start to compare them all to find the cheapest rates?

Take advantage of every auto insurance discount

Auto insurance is easily one of your largest bills, but you can get discounts that may help make it more affordable. Many discounts should be triggered when you quote, but some may not be applied and must be specially asked for prior to receiving the credit. If you don’t get every credit available, you may be paying too high a price.

• Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
• ABS Braking Discount – Vehicles with ABS and/or traction control prevent accidents and earn discounts up to 10%.
• Discounts for Multiple Vehicles – Having more than one vehicle with the same auto insurance company can get a discount for every vehicle.
• Safety Course Discount – Successfully completing a defensive driving class could possibly earn you a 5% discount if you qualify.
• Theft Deterent Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• Own a Home and Save – Just being a homeowner can help you save on auto insurance because of the fact that having a home shows financial diligence.
• Early Switch Discount – Some larger companies reward drivers for switching policies early. It could save around 10% when you buy auto insurance online.
• Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you can avoid the installment charge.
• Low Miles Discount – Keeping the miles down on your Mercedes-Benz may enable drivers to earn discounted premium rates on garaged vehicles.

It’s important to understand that most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

Larger auto insurance companies and a selection of discounts are shown below.

• Geico includes discounts for five-year accident-free, daytime running lights, membership and employees, air bags, military active duty, and emergency military deployment.
• Travelers policyholders can earn discounts including new car, student away at school, continuous insurance, save driver, hybrid/electric vehicle, and multi-policy.
• Nationwide offers discounts for good student, easy pay, anti-theft, defensive driving, and Farm Bureau membership.
• Farmers Insurance may include discounts for alternative fuel, electronic funds transfer, early shopping, multi-car, and homeowner.
• Esurance has discounts for good student, emergency road assistance, paid-in-full, Switch & Save, anti-lock brakes, and multi-policy.
• State Farm may offer discounts for Drive Safe & Save, good student, driver’s education, multiple autos, good driver, and multiple policy.
• Progressive offers discounts including multi-policy, good student, online signing, online quote discount, continuous coverage, homeowner, and multi-vehicle.
• Mercury Insurance discounts include good student, ease of repair, multi-car, professional/association, good driver, type of vehicle, and low natural disaster claims.

Before buying, ask all the companies the best way to save money. Discounts might not be available to policyholders everywhere. To choose insurers that have a full spectrum of discounts, click here to view.

What affects Mercedes-Benz C-Class insurance prices?

The best way to find cheaper insurance coverage is to take a look at the different types of things that are used to determine your insurance coverage rates. When consumers understand what impacts premium levels, this enables informed choices that may reward you with much lower annual insurance costs.

Listed below are some of the most common factors insurance coverage companies consider when setting prices.

• Rates increase with driving citations – A bad driving record has a huge affect on how much you pay. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Even a single speeding ticket may cause rates to rise by as much as twenty percent. Drivers with careless violations like DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 with the DMV in their state in order to prevent their license from being revoked.
• Protect yourself with liability – Liability coverage is the coverage that protects you if you are determined to be liable for causing personal injury or damage in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not skimp.
• Single drivers take more risk – Your spouse may earn you lower rates compared to being single. It generally demonstrates drivers are more mature and it’s statistically proven that married couples file fewer claims.
• Never let your coverage expire – Allowing your coverage to lapse is a fast way to pay more for insurance coverage. Not only will rates go up, failure to provide proof of insurance can result in fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.
• Do you need those extra policy coverages? – There are a ton of extra add-on coverages that sound like a good idea at the time but may not be useful. Coverage for things like rental car reimbursement, towing coverage, and term life insurance may be costing you every month. You may think they are a good idea when buying your policy, but if they’re wasting money think about removing them and cutting costs.
• Annual mileage and car insurance premiums – The more you drive your Mercedes-Benz in a year’s time the more you’ll pay to insure it. The majority of insurers rate vehicles based upon how much you drive. Cars and trucks that are left in the garage cost less to insure than those that get driven frequently. An improperly rated C-Class is throwing money out the window. Make sure your insurance coverage policy shows the correct driver usage.
• Raise your comp and collision deductibles for better rates – Physical damage deductibles state the amount of money you are willing to pay if you file a covered claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of some claims that would be covered would be a windshield broken by a bird, damage from fire, and having a roll-over accident. The more the insured has to pay upfront, the lower your rates will be for C-Class coverage.
• Insurance coverage rates and employer – Careers like fire fightersair traffic controllers and miners tend to pay higher average rates attributed to high stress and long work days. Other careers such as farmers, athletes and homemakers pay lower than average rates for C-Class coverage.

How to know if you need help

When buying adequate coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might point out whether you may require specific advice.

• What can I do if my company denied a claim?
• Can I afford to buy a different vehicle if my 2014 Mercedes-Benz C-Class is totaled?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does liability extend to a camper or trailer?
• Are rental cars covered under my policy?
• Am I better off with higher deductibles on my 2014 Mercedes-Benz C-Class?
• Is my teen driver covered when they drive my company car?
• Is my state a no-fault state?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

The coverage is in the details

Understanding the coverages of your insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for EMT expenses, prosthetic devices, dental work, pain medications and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hail damage, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage pays for damage to your C-Class resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, driving through your garage door, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance – Liability coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as legal defense fees, pain and suffering, attorney fees, structural damage and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Quote more. Save more.

Low-cost 2014 Mercedes-Benz C-Class insurance is definitely available online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and these small, regional companies provide coverage only through local independent agencies.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, questionable increases in premium or even unfair underwriting practices. Whatever your reason, finding a great new company can be easy and end up saving you some money.

We just showed you some good ideas how you can shop for 2014 Mercedes-Benz C-Class insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates are with the smaller companies.

Additional information is available below:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Things to Know Before you Cancel Insurance (Allstate)