2016 Mercedes-Benz C-Class Insurance Cost – 5 Ways to Save

Buyers have many options when searching for the best price on Mercedes-Benz C-Class insurance. You can either spend your time driving around to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the absolute fastest way to compare rates for a Mercedes-Benz and obtain the lowest possible price.

If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. Vehicle owners just need to know how to get comparison rates online.

Drivers can save with with these five discounts

Some insurers don’t list all their discounts very clearly, so we researched a few of the more well known as well as the least known credits available to bring down your rates. If you are not receiving all the discounts you deserve, you could be saving more on your insurance coverage.

• Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage for C-Class insurance with a few insurance coverage companies.
• Good Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for C-Class insurance than drivers with accidents.
• Military Discounts – Having a deployed family member could trigger a small discount.
• Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.

As a footnote on discounts, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, nobody gets a free ride.

A list of companies and the discounts they provide are included below.

• Geico policyholders can earn discounts including emergency military deployment, daytime running lights, anti-theft, federal employee, seat belt use, membership and employees, and defensive driver.
• Travelers may offer discounts for multi-policy, student away at school, driver training, new car, and multi-car.
• Nationwide has discounts for easy pay, accident-free, business or organization, anti-theft, and family plan.
• Farmers Insurance offers discounts including multi-car, teen driver, business and professional, alternative fuel, distant student, and switch companies.
• Esurance has savings for DriveSense, multi-car, paid-in-full, multi-policy, anti-theft, renters, and online quote.
• State Farm discounts include accident-free, Drive Safe & Save, student away at school, defensive driving training, good driver, anti-theft, and multiple autos.
• Progressive may include discounts for multi-vehicle, good student, multi-policy, online quote discount, online signing, continuous coverage, and homeowner.
• Mercury Insurance offers discounts for location of vehicle, type of vehicle, ease of repair, good driver, and accident-free.

When getting a coverage quote, ask every company which discounts they offer. All car insurance discounts may not apply in your area. For a list of insurance coverage companies who offer cheap insurance coverage quotes, follow this link.

The best way to compare car insurance rates is to realize most of the bigger providers actually pay money for the chance to give you rate quotes. All consumers are required to do is provide information including whether you are married, if it has an alarm system, if the car is leased, and if you require a SR-22. Your rating data is then sent to multiple top-rated companies and they return quotes instantly.

To compare rates for your 2016 Mercedes-Benz C-Class now, click here then complete the form.

Your situation helps dictate your coverage

When choosing coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

• What exactly is covered by my policy?
• Does my policy pay for OEM or aftermarket parts?
• Which is better, split liability limits or combined limits?
• Am I missing any policy discounts?
• Do I have coverage when pulling a U-Haul trailer?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Learn about insurance coverages for a Mercedes-Benz C-Class

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage – This coverage pays for damage to your C-Class resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, crashing into a ditch, colliding with another moving vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz C-Class.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive protection – This pays for 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 can pay for things such as hitting a deer, vandalism, damage from flooding and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage – Coverage for medical payments and/or PIP pay for bills for prosthetic devices, surgery, doctor visits, funeral costs and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability auto insurance – This coverage protects you from injuries or damage you cause to people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, structural damage, funeral expenses, medical services and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Shop around and save

Consumers leave their current company for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, policy cancellation or even denial of a claim. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

Some companies do not offer online price quotes and most of the time these smaller providers sell through independent agencies. Affordable 2016 Mercedes-Benz C-Class insurance is attainable from both online companies in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture.

When searching for affordable insurance coverage quotes, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured cut comprehensive coverage or liability limits only to find out that it was a big mistake. Your objective should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

More detailed auto insurance information can be found in the articles below:

• Distracted Driving Extends Beyond Texting (State Farm)
• Crash Avoidance Technologies FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• Things to Know Before you Cancel Insurance (Allstate)