View 2002 Mercedes-Benz C-Class Insurance Rates

Looking for cheaper insurance coverage rates for your Mercedes-Benz C-Class? No sane person is fond of buying insurance coverage, especially when they are aware that the price is too high. Since consumers have many options, it is very difficult to pick the most affordable insurer.

Discounts to earn affordable car insurance rates

Companies that sell car insurance don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of a few of the more common and the harder-to-find credits available to bring down your rates.

  • No Accidents – Drivers who stay claim-free can save substantially compared to frequent claim filers.
  • Online Discount – A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Own a Home – Simply owning a home can get you a discount because maintaining a house demonstrates responsibility.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you could save up to 5%.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Discounts for Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Insurance companies who offer life insurance give lower premium rates if you buy a life insurance policy as well.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on C-Class insurance with some car insurance companies.

One thing to note about discounts is that some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

To find insurers that have a full spectrum of discounts, follow this link.

Lower the price of insurance coverage with these tips

A large part of saving on insurance coverage is knowing some of the factors that are used to determine the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels, this allows you to make good choices that could help you find lower premium levels.

  • Lower rates for married couples – Your spouse helps lower the price when buying insurance coverage. Having a significant other generally demonstrates drivers are more stable financially and statistics show married drivers get in fewer accidents.
  • Women tend to cost less – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. They both cause accidents in similar percentages, but men tend to have higher claims. In addition to higher claims, males also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and thus pay the highest rates.
  • Your vocation can affect insurance coverage rates – Careers such as judges, architects and accountants generally have higher premiums than the average policyholder due to intense work situations and lots of time spent at work. Other professions such as professors, historians and performers receive lower rates on C-Class insurance.
  • Avoid traffic tickets – Drivers who don’t get tickets pay less for auto insurance compared to bad drivers. Only having one driving citation can increase the cost of insurance twenty percent or more. Drivers with license-revoking violations like DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Policy add-ons add up – There are many extra add-on coverages that may not really be needed if you don’t pay attention. Insurance for coverage for rental cars, towing coverage, and Farm Bureau memberships could be just wasting money. The coverages may be enticing when deciding what coverages you need, but if you have no use for them eliminate the coverages to reduce your premium.
  • Excellent credit equals lower premiums – An insured’s credit score can be an important factor in determining your rates. If your credit score can use some improvement, you could be paying less to insure your 2002 Mercedes-Benz C-Class by improving your rating. Insureds with high credit ratings tend to be better risks to insure than drivers who have poor credit.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • Can my babysitter drive my car?
  • Should I carry comprehensive and collision coverage?
  • Is upholstery damage covered by car insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I better off with higher deductibles on my 2002 Mercedes-Benz C-Class?
  • Do I have coverage when using my vehicle for my home business?
  • Does insurance cover tools stolen from my truck?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Do you really save 40% when you switch?

Consumers can’t escape the ads for cheaper auto insurance from the likes of Geico, State Farm and Progressive. All the companies advertise the message of big savings if you just switch your policy.

How do they all cost less than your current company?

Insurance providers quote their best rates for the type of driver they prefer to insure. One example of this type of insured might have to be a mature driver, has never had a claim, and has a short commute. A customer who matches those parameters will most likely get cheap rates and have a good chance to save a lot of money.

Potential insureds who fall outside these criteria must pay higher premiums which results in the customer not buying. The trick companies use is to say “drivers that switch” not “everyone that quotes” save money. This is how insurance companies can make the claims of big savings. That is why you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which auto insurance company will have the lowest rates.

The coverage is in the details

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverage types available from insurance companies.

Collision protection

This pays for damage to your C-Class resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, sustaining damage from a pot hole, crashing into a building, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Liability insurance

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, bail bonds, medical expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for prosthetic devices, doctor visits and nursing services. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, a tree branch falling on your vehicle, hail damage and fire damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

One last thing about your coverage

Throughout this article, we presented a lot of tips how to compare 2002 Mercedes-Benz C-Class insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. Regional companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate and Progressive.

Some insurance companies may not provide rate quotes online and many times these regional carriers provide coverage only through independent insurance agents. The cheapest 2002 Mercedes-Benz C-Class insurance is possible on the web as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

Much more information about insurance can be found on the following sites: