Save on 1997 Mercedes-Benz C-Class Insurance Rates

Looking for the cheapest car insurance rates for your Mercedes-Benz C-Class? Cutting costs on Driverscar insurance is always hard for beginners to online price comparisons. With such a large number of agents and companies in the marketplace, it can quickly become a real challenge to locate the lowest price.

Pricing affordable auto insurance coverage is quite easy. Essentially anyone who has to buy auto insurance should be able to find lower rates. Nevertheless, drivers can benefit from knowing the methods companies use to sell insurance online and take advantage of how the system works.

You may qualify for discounts

Not too many consumers would say insurance is affordable, but there are discounts available that can dramatically reduce your bill. A few discounts will be applied at the time of purchase, but a few must be manually applied prior to getting the savings.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote as opposed to policyholders that have many claims.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.
  • Early Switch Discount – Select insurance companies give a discount for renewing your policy prior to your current policy expiration. It can save you around 10%.
  • Own a Home – Being a homeowner may trigger a policy discount on insurance because owning a home is proof of financial responsibility.
  • Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote insurance coverage for C-Class coverage with some insurance companies.
  • Defensive Driver – Taking part in a class that teaches defensive driving techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • Waiver for an Accident – Not necessarily a discount, but companies like Allstate and State Farm will let one accident slide before your rates go up with the catch being you have to be claim-free for a set time period.

Remember that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think you could get a free insurance policy, that’s just not realistic. Any amount of discount should help reduce the cost of coverage.

Companies and some of the discounts include:

  • Geico includes discounts for air bags, membership and employees, defensive driver, driver training, and emergency military deployment.
  • USAA may include discounts for safe driver, defensive driver, vehicle storage, family discount, multi-policy, and loyalty savings.
  • Progressive discounts include online signing, online quote discount, multi-policy, continuous coverage, multi-vehicle, and good student.
  • American Family may offer discounts for TimeAway discount, early bird, Steer into Savings, good student, and accident-free.
  • Esurance offers discounts for Pac-12 alumni, multi-car, emergency road assistance, online quote, anti-lock brakes, safety device, and anti-theft.
  • Farmers Insurance policyholders can earn discounts including bundle discounts, youthful driver, business and professional, alternative fuel, and teen driver.
  • State Farm may have discounts that include accident-free, multiple autos, Steer Clear safe driver discount, multiple policy, and driver’s education.

It’s a good idea to ask each insurance company to apply every possible discount. Some discounts may not apply to policies in your state. To view providers with the best discounts, click this link.

Get Mercedes-Benz C-Class insurance more affordably

Many different elements are part of the equation when premium rates are determined. Some factors are common sense like your driving record, but others are more transparent such as whether you are married and annual miles driven.It’s important that you understand the factors that go into determining the level of your policy premiums. If you have a feel for what determines premiums, this enables you to make decisions that could help you find lower premium levels.

Listed below are some of the items insurance companies consider when setting your rate level.

  • Do you have a demanding occupation? – Do you work in a high-stress field? Occupational choices like judges, architects and medical professionals tend to pay higher premium rates because of stressful work requirements and lots of time spent away from family. Conversely, occupations such as farmers, athletes and homemakers receive lower rates for C-Class coverage.
  • Incidental coverages are wasting money – Insurance policies have a lot of additional coverages that can add up if you don’t pay attention. Things like personal injury protection, better glass coverage, and extra life insurance coverage are probably not needed. They may seem good when buying your policy, but now you might not need them so get rid of them and save.
  • Premiums are affected by your credit rating – Credit score is a large factor in determining premium rates. If your credit score is low, you could potentially save money when insuring your 1997 Mercedes-Benz C-Class by repairing your credit. Insureds with high credit scores tend to be better risks to insure than drivers who have lower credit ratings.
  • Older drivers pay less – Inexperience drivers have a tendency to be easily distracted when driving with friends therefore insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, tend to file fewer claims and are safer drivers.
  • What are good liability coverage limits? – Your insurance policy’s liability coverage is the coverage that protects you if a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to other policy coverages, so do not skimp.
  • Bad drivers pay high prices – Being a careful driver can have a huge impact on auto insurance premiums. Drivers with clean records get better prices as compared to careless drivers. Having a single chargable violation can boost insurance rates by as much as thirty percent. Drivers who have gotten multiple tickets such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.

There’s no such thing as the perfect auto insurance policy

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Should I rate my 1997 Mercedes-Benz C-Class as pleasure use or commute?
  • Does my policy cover my teen driver if they drive my company car?
  • Where can I find high-risk insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does coverage extend to a rental car in a foreign country?
  • Is my 1997 Mercedes-Benz C-Class covered for flood damage?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Parts of your car insurance policy

Having a good grasp of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for dental work, nursing services, chiropractic care and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability insurance

This provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, legal defense fees, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people 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 a good idea. Usually these coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance covers damage to your C-Class resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, sideswiping another vehicle, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from getting keyed, falling objects, a tree branch falling on your vehicle and hail damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Final considerations

When shopping online for insurance, do not skimp on critical coverages to save a buck or two. Too many times, an insured cut full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Lower-priced 1997 Mercedes-Benz C-Class insurance can be sourced from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer rates over the internet and many times these smaller companies work with independent agents.

Insureds leave their current company for a number of reasons such as policy non-renewal, poor customer service, policy cancellation and even delays in paying claims. It doesn’t matter what your reason, finding a new insurance company can be easy and end up saving you some money.

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