1999 Mercedes-Benz C-Class Car Insurance Rates – 10 Tips for Cheaper Quotes

Searching for better insurance rates for your Mercedes-Benz C-Class? Having to pay for pricey insurance can dry up your budget and maybe even restrict other spending. Performing a rate comparison can save money and help to make ends meet.

Consumers have many car insurance companies to insure vehicles with, and even though it’s nice to be able to choose, lots of choices makes it harder to adequately compare rates.

This article will introduce you to how car insurance quotes work and some money-saving tips. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. But consumers should learn how insurance companies sell insurance online.

Where can I get the cheapest car insurance?

Most larger insurance companies give coverage prices directly from their websites. Doing online quotes is easy for anyone as you just type in your personal and coverage information into the form. After the form is submitted, the quote system automatically orders your driving record and credit report and returns a price quote. Online price quotes streamlines rate comparisons, but the time required to go to multiple sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to do this if you want to get a better rate.

The easiest way to find better car insurance pricing makes use of a single form that gets prices from more than one company. It’s a real time-saver, requires less work, and makes price shopping online much easier to do. Once the form is submitted, it is quoted and you can select any one of the returned quotes.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to find out how much you can save on car insurance, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. Doing this guarantees you will receive a rate comparison for similar insurance coverage.

Insurance coverage advertising gotchas

Respected companies like State Farm, Allstate and Geico consistently run ads on TV and radio. They all seem to seem to make the promise that you’ll save big after switching your policy. Is it even possible that every company can say the same thing? This is the way they can do it.

Insurance providers have specific criteria for the type of driver that earns them a profit. For example, a driver they prefer may need to be a married female, owns their home, and drives less than 10,000 miles a year. Someone that fits those parameters will get the preferred car insurance rates and most likely will save some money.

Consumers who are not a match for those criteria will see higher prices and ends up with the customer buying from someone else. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save the amount stated. This is how companies can make claims that they all have the best car insurance rates.

This illustrates why you need to get car insurance quotes as often as possible. Because you cannot predict which company will provide you with the cheapest rates.

Cut your car insurance rates with these ten discounts

Some insurance providers don’t always publicize every discount very well, so we took the time to find a few of the more common and also the lesser-known discounts that you can inquire about if you buy car insurance online.

  • Own a Home and Save – Simply owning a home may earn you a small savings because it shows financial diligence.
  • Student Discounts – This discount may save you up to 25%. You can use this discount normally up until you turn 25.
  • Club Memberships – Participating in qualifying clubs or civic groups could earn you a nice discount on your policy.
  • Save with More Vehicles Insured – Having multiple cars on one policy can get a discount for every vehicle.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercedes-Benz may enable drivers to earn better rates on cars that stay parked.
  • Responsible Driver Discount – Insureds without accidents can save up to 40% or more on their car insurance quote for C-Class coverage than their less cautious counterparts.
  • Switch and Save Discount – Some car insurance companies give discounts for switching to them prior to your current policy expiring. This discount can save up to 10%.
  • Student in College – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
  • Accident-Free Discounts – Drivers who stay claim-free pay less when compared with accident-prone drivers.
  • Government Employees – Federal government employees may reduce rates when you quote car insurance for C-Class coverage with some car insurance companies.

Policy discounts save money, but some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Large car insurance companies and a summarized list of policyholder discounts can be found below.

  • Progressive offers premium reductions for multi-vehicle, continuous coverage, online quote discount, homeowner, and good student.
  • The Hartford has savings for bundle, air bag, vehicle fuel type, anti-theft, and good student.
  • Mercury Insurance discounts include good driver, professional/association, low natural disaster claims, age of vehicle, and anti-theft.
  • Geico offers discounts for military active duty, daytime running lights, emergency military deployment, defensive driver, driver training, five-year accident-free, and multi-policy.
  • AAA may have discounts that include multi-car, multi-policy, good driver, AAA membership discount, education and occupation, and good student.
  • State Farm has discounts for good driver, Drive Safe & Save, driver’s education, good student, multiple policy, safe vehicle, and student away at school.

It’s a good idea to ask each insurance company which discounts you qualify for. All car insurance discounts might not be offered in your area. To see a list of companies that offer some of these discounts, click here.

You are unique and your car insurance should be too

When buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Does my insurance cover a custom paint job?
  • Who is covered when they drive my 1999 Mercedes-Benz C-Class?
  • Do I have coverage when pulling a U-Haul trailer?
  • Which companies will insure high-risk drivers?
  • Is upholstery damage covered by car insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I afford low physical damage deductibles?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance 101

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.

Liability

This provides protection from damage that occurs to a person or their property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, 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 that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, attorney fees, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills such as dental work, surgery and chiropractic care. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects and a broken windshield. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Collision coverage

This covers damage to your C-Class resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

A penny saved is a penny earned

We just covered a lot of tips how to shop for 1999 Mercedes-Benz C-Class insurance online. The key concept to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a smaller regional carrier. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm, Geico and Nationwide.

Some companies do not offer price quotes online and many times these regional insurance providers prefer to sell through independent agencies. Lower-priced 1999 Mercedes-Benz C-Class insurance is attainable online in addition to many insurance agents, and you should be comparing both to get a complete price analysis.

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