How Much Does 2015 Mercedes-Benz C-Class Car Insurance Cost?

Finding cheaper insurance for a Mercedes-Benz C-Class could be a lot of work, but you can use these tips to find lower rates.

There is a better way to compare insurance coverage rates and we’ll show you the quickest way to quote coverages for a Mercedes-Benz and obtain the lowest possible price from local insurance agents and online providers.

Discounts for affordable insurance quotes

Some insurers do not list all possible discounts in an easy-to-find place, so below is a list both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently so companies will give you a small discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off PIP or medical payments premium.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Discount for New Cars – Buying insurance coverage on a new vehicle is cheaper because new vehicles keep occupants safer.
  • Distant College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Save with More Vehicles Insured – Buying coverage for multiple vehicles on a single policy qualifies for this discount.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% for C-Class insurance but check with your company.
  • Defensive Driving Course – Completing a class that teaches driver safety techniques can save you 5% or more and make you a better driver.

Please keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, you aren’t that lucky.

If you would like to see a list of companies that offer many of these discounts, click this link.

How to lower your insurance cost

Most major insurance companies such as Geico, State Farm and Progressive give price estimates directly from their websites. The process is fairly simple because you just enter your coverage preferences into a form. When the form is submitted, the system sends out for credit information and your driving record and gives you a price quote based on these factors.

Online price quotes makes it easy to compare insurance prices but the work required to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s necessary to do this if you want to get lower prices.

Online rates the easy way

The easiest way to lower your insurance bill is to use a quote form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes price shopping online much easier. After your information is entered, your coverage is rated and you can choose any one of the quote results.

If a lower price is quoted, you can click and sign and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

To compare rates now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended that you enter your coverages as close as possible to your current policy. This guarantees you will get rate quotes based on identical coverages.

You may need specialized auto insurance coverage

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

For instance, these questions may help you determine if your situation will benefit from professional help.

  • Is my custom paint covered by insurance?
  • How do I buy GAP insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Is extra glass coverage worth it?
  • Will my rates increase for filing one claim?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my liability insurance cover pulling a trailer or camper?
  • When should I buy a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

What car insurance coverages do you need?

Knowing the specifics of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, court costs, attorney fees and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your C-Class from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like hospital visits, dental work, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, hitting a deer and damage from flooding. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mercedes-Benz C-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

One last thing

People leave their current company for a variety of reasons including lack of trust in their agent, high prices, being labeled a high risk driver or even poor customer service. No matter why you want to switch, choosing a new insurance company can be easier than you think.

Some insurance companies may not offer online rate quotes smaller providers only sell coverage through independent insurance agencies. Budget-conscious 2015 Mercedes-Benz C-Class insurance is possible both online as well as from insurance agents, so you need to compare both in order to have the best price selection to choose from.

We just covered many tips how you can save on 2015 Mercedes-Benz C-Class insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the biggest savings come from an unexpected company.

More information is located on the following sites:

Comments About 2015 Mercedes-Benz C-Class Insurance

  1. Afton Bauer

    Checking in from Lewiston, ME. Quoted quotes with Hartford, Amica, Nationwide, and a couple others for my 2015 Mercedes-Benz C-Class and am saving around $550 a year. Left GMAC to switch.

  2. Lesia Turner

    If you don’t have tickets and live near Boston, MA, check out Allstate. You might get cheaper rates.

  3. Jerome Little

    Here’s my info. I’m in the east part of Oklahoma City, Oklahoma. I quoted with Amica, MetLife, and some smaller one I can’t remember the name of for my 2015 Mercedes-Benz C-Class and I’m now saving $40 a month. Left Safeco to switch. My new agent seems to be really good. Not sure if rates are cheaper online or through an agent.

  4. Lizette Guerrero

    I’m from Wichita, KS. Compared rates from a lot of places. Saved right around $50 a month. State Farm was the cheapest for me. God forbid I actually have a claim.

  5. Felton Logan

    From north side of Concord, New Hampshire. Compared quite a few companies. Saved roughly $50 a month. State Farm was the most affordable for me. Insured with Erie before. I’m a pretty low risk driver.

  6. Sal Phillips

    In Detroit, MI, Allstate auto insurance rates for my 2015 Mercedes-Benz C-Class were good. Left Allstate to switch. I have a couple other vehicles on the policy.

  7. Phuong Chan

    In Las Cruces, NM compare Allstate with Progressive and see which is best.

  8. Daysi Guzman

    From south side of Reno, NV. Got quotes from AIG Insurance, Sentry, and a few others for my 2015 Mercedes-Benz C-Class and saved $229 a year. Insured with Western Auto Insurance before. :P

  9. Lera Buck

    I live north of Philadelphia, PA. Received prices from Western Auto Insurance, Auto-Owners, GMAC, and Sentry for my Mercedes-Benz and saved just over $420 a year. Left Nationwide to switch.

  10. Leonarda Serrano

    If you don’t have tickets and live around Springfield, Missouri, check out GEICO. You might get cheaper rates.

  11. Christy Albert

    I compared a lot of rate quotes for a 2015 Mercedes-Benz C-Class in Hilo, HI. Ended up at about $320 every six months with Amica. Left American Family to switch. Thankfully I’m not a high risk driver.

  12. Gema Haney

    Enjoyed the article. I live just outside Baltimore, MD. I quoted with Travelers, American Family, Liberty Mutual, and Mercury for my 2015 Mercedes-Benz C-Class and saved just over $440 a year. I get multi-vehicle and multi-policy discounts.