Cheaper 2018 Mercedes-Benz C-Class Insurance Rates

Want the cheapest auto insurance rates for your Mercedes-Benz C-Class? Trying to find the cheapest insurance for a Mercedes-Benz C-Class can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to compare auto insurance rates and you need to know the proper way to price shop coverage for your Mercedes-Benz and obtain the cheapest rates either online or from local insurance agents.

It’s smart to do rate comparisons before your policy renews because insurance prices change regularly. Just because you had the best deal for C-Class coverage on your last policy you will most likely find a better premium rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to buy cheaper auto insurance.

Shopping for the lowest cost insurance is simple if you know the tricks. If you have a current insurance policy or are shopping for new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Vehicle owners just need to understand the proper methods to shop their coverage around over the internet.

Cheap auto insurance rates with discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that many people don’t even know exist. Some trigger automatically at the time of quoting, but some discounts are required to be requested specifically in order for you to get them.

  • Multiple Policy Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you could get a discount of up to 20% off your total premium.
  • Defensive Driving Course – Completing a driver safety course could earn you a small percentage discount and easily pay for the cost of the class.
  • Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
  • Online Discount – A handful of larger companies will provide an incentive for signing up on the web.
  • First Accident Forgiveness – This one is not really a discount per se, but certain companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Passenger Safety Discount – Cars that have air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Data Collection Discounts – Drivers who elect to allow data collection to monitor driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
  • Life Insurance – Some auto insurance companies give better auto insurancerates if you take out some life insurance in addition to your auto policy.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

Companies and some of their more popular discounts are detailed below.

  • Progressive may include discounts for multi-policy, good student, homeowner, continuous coverage, online quote discount, and multi-vehicle.
  • GEICO may have discounts that include five-year accident-free, federal employee, emergency military deployment, defensive driver, air bags, membership and employees, and anti-lock brakes.
  • State Farm has discounts for safe vehicle, student away at school, good student, multiple policy, driver’s education, and defensive driving training.
  • Esurance discounts include paid-in-full, multi-car, good driver, emergency road assistance, Pac-12 alumni, and defensive driver.
  • The Hartford offers premium reductions for bundle, anti-theft, good student, driver training, and defensive driver.

Double check with every insurance company the best way to save money. Some credits might not apply everywhere.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • Am I insured when driving a different vehicle?
  • Do I need more liability coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Is business equipment covered while in my vehicle?
  • Should I carry comprehensive and collision coverage?
  • How high should deductibles be on a 2018 Mercedes-Benz C-Class?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Be skeptical of insurance ads

Consumers constantly see and hear ads that claim the cheapest premium rates from companies such as Allstate, GEICO and Progressive. All the companies convey the message that you can save if you switch your coverage.

But how can every company have lower policy pricing? Just pay attention to how they say it.

Insurance companies have a preferred profile for the type of driver that earns them the most money. For instance, this type of insured might have to be a married male, has never had a policy lapse, and the vehicle is rated for pleasure use. A driver that hits that “sweet spot” will get the preferred rates and as a result will probably cut their rates if they switch.

Insureds who fall short of this ideal profile will probably be forced to pay higher rates which leads to business not being written. The trick is to say “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can make those claims.

Because of these techniques, you need to do a quote comparison often. Because you never know which company will be your best fit.

Specific coverages for a Mercedes-Benz C-Class

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as court costs, funeral expenses, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, surgery, ambulance fees, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your C-Class resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, damaging your car on a curb, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz C-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, theft, damage from getting keyed, vandalism and fire damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Make a quick buck

Insureds who switch companies do it for a number of reasons such as denial of a claim, high rates after DUI convictions, unfair underwriting practices and even high prices. It doesn’t matter what your reason, finding a new company can be easier than you think.

In this article, we presented a lot of tips how to lower your 2018 Mercedes-Benz C-Class insurance prices. The most important thing to understand is the more providers you compare, the higher your chance of finding inexpensive car insurance. You may even find the lowest prices come from the smaller companies.

Discount 2018 Mercedes-Benz C-Class insurance can be sourced both online and with local insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers may not have price quotes online and most of the time these regional carriers work with independent insurance agents.

More tips and info about car insurance can be found by following these links:

Comments About 2018 Mercedes-Benz C-Class Insurance

  1. Kelsi Giles

    Will 21st Century raise rates for a small claim?