2003 Mercedes-Benz C-Class Insurance Cost

Shoppers have a choice when shopping for the lowest priced Mercedes-Benz C-Class insurance. They can either spend hours contacting agents to compare prices or use the internet to find the lowest rates. There is a better way to find car insurance online and we’ll show you the quickest way to quote coverages for your Mercedes-Benz and find the lowest price from local insurance agents and online providers.

It’s a good idea to price shop coverage on a regular basis because car insurance prices are usually higher with each renewal. If you had the lowest price on C-Class insurance two years ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about car insurance because you’re about to find out one of the easiest ways to find the best coverage while lowering your premiums.

How to buy insurance

Most larger insurance companies such as Progressive, Allstate and Geico make it easy to get coverage price quotes on the web. The process is easy for anyone as all you need to do is type in into the form. When the form is submitted, their quoting system orders information on your driving record and credit history and gives you a price quote based on these and other factors.

Online price quotes makes it easy to compare insurance prices but having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s also necessary to compare as many rates as possible in order to find a lower rate.

A better way to find cheaper rates makes use of a single form to return rates from multiple companies. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable. After your information is entered, it is quoted and you can select any one of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and can result in significant savings.

In order to fill out one form to compare multiple rates now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you replicate the limits and deductibles identical to your current policy. Doing this assures you’re receiving rate quotes using the exact same coverages.

Take policy discounts and save

Insurance can cost an arm and a leg, but you might already qualify for some discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be manually applied before you will receive the discount.

  • Discounts for Federal Employees – Federal government employees can save as much as 8% on C-Class insurance but check with your company.
  • Student Discounts – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Home Ownership Discount – Owning your own home or condo can save a few bucks because of the fact that having a home requires personal responsibility.
  • Membership in Organizations – Belonging to a civic or occupational organization could qualify you for a break on your next renewal.
  • Telematics Devices – Insureds that choose to allow companies to look at driving manner remotely like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
  • Senior Discount – Older drivers may be able to get lower premium rates on C-Class insurance.
  • Accident Free – Good drivers with no accidents get the best insurance coverage rates as opposed to drivers who are more careless.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
  • Bundle and Save – If you can combine your auto and home policy with the same company you could earn a discount of approximately 10% to 15%.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, it’s just not the way it works.

To see insurance companies that have a full spectrum of discounts, click this link.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might point out if you could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • What companies insure drivers after a DUI or DWI?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage for damage caused while driving under the influence?
  • Are split liability limits better than a combined single limit?
  • When should my teen driver be added to my policy?
  • Does having multiple vehicles earn me a discount?
  • Are my friends covered when driving my 2003 Mercedes-Benz C-Class?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like rehabilitation expenses, EMT expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, fire damage, hail damage, hitting a deer and a broken windshield. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your C-Class caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage will cover damage that occurs to people or other property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, medical expenses, medical services and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Be a Smart Shopper

Consumers change insurance companies for many reasons like high prices, delays in paying claims, an unsatisfactory settlement offer or even denial of a claim. It doesn’t matter why you want to switch finding the right insurance coverage provider can be pretty painless.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. In many cases, someone dropped liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Budget-friendly insurance coverage can be purchased on the web in addition to many insurance agents, so you need to quote insurance coverage with both to have the best selection. Some insurance companies may not provide the ability to get quotes online and usually these regional insurance providers only sell through local independent agencies.

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