2004 Mercedes-Benz C-Class Car Insurance Cost – 8 Discounts for Best Prices

Expensive insurance can eat up your bank account and possibly require you to analyze your spending habits. Shopping your coverage around is a great way to slash your bill and have more diposable income.

Popular companies such as Geico, 21st Century and Progressive persitently shower you with ad campaigns and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.

You should take the time to quote other rates every six months due to the fact that insurance prices go up and down regularly. Even if you got the best price for C-Class insurance last year you will most likely find a better rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best way to find the best coverage while lowering your premiums.

Where can I get affordable insurance coverage?

All the larger insurance coverage companies like Allstate and Progressive allow consumers to get prices for coverage on the web. Getting online quotes doesn’t take much effort as all you need to do is type in your coverage preferences into the quote form. After you complete the form, the quote system will order your driving and credit reports and returns a price based on the data you entered. Online price estimates streamlines rate comparisons, but the process of having to visit several different sites and type in your information is repetitive and time-consuming. But it is imperative to do this if you want to find better prices.

A better way to locate the lowest prices uses one form to get prices from a lot of companies. The form is fast, requires less work, and makes online price comparison much more enjoyable and efficient. As soon as you send your information, it gets priced with multiple companies and you can pick any of the quotes that you receive. If you find a better price you can click and sign and purchase coverage. It only takes a few minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you duplicate the limits and deductibles as shown on your current policy. This guarantees you are getting a price comparison for similar insurance coverage.

Verify you’re applying every discount

Buying auto insurance is not cheap, but there could be significant discounts that can help lower your rates. Some discounts will apply at the time you complete a quote, but a few need to be requested specifically before you get the savings.

  • Military Rewards – Being on active deployment in the military could be rewarded with lower rates.
  • Defensive Driver Discounts – Passing a class that teaches driver safety techniques could cut 5% off your bill and make you a better driver.
  • Senior Citizens – Seniors may receive reduced rates for C-Class insurance.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
  • Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for C-Class insurance than less cautious drivers.
  • Federal Government Employee – Federal government employees may qualify for a discount when you quote car insurance for C-Class insurance with a few auto insurance companies.
  • Passive Restraints – Factory air bags or automatic seat belts could see savings of up to 25% or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn slightly better premium rates than normal.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

A list of companies and some of their more popular discounts are detailed below.

  • Geico may include discounts for federal employee, air bags, seat belt use, membership and employees, military active duty, multi-policy, and daytime running lights.
  • MetLife discounts include multi-policy, defensive driver, claim-free, good student, good driver, accident-free
  • State Farm offers discounts including safe vehicle, driver’s education, anti-theft, multiple autos, and Steer Clear safe driver discount.
  • Progressive has savings for good student, multi-vehicle, online quote discount, multi-policy, continuous coverage, online signing, and homeowner.
  • Mercury Insurance policyholders can earn discounts including accident-free, annual mileage, anti-theft, good student, age of vehicle, multi-policy, and type of vehicle.
  • 21st Century has discounts for theft prevention, automatic seat belts, defensive driver, air bags, good student, teen driver, and student driver.
  • Allstate may offer discounts for utility vehicle, EZ pay plan discount, farm vehicle, teenSMART discount, and anti-theft.

If you are trying to find low cost car insurance quotes, ask all the companies how many discounts you can get. A few discounts may not apply in your area.

When should I discuss my situation with an agent?

When it comes to choosing the best insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • Is my teenager covered with friends in the car?
  • Can I make deliveries for my home business?
  • Am I covered if I crash into my own garage door?
  • Should I have a commercial auto policy?
  • Does medical payments coverage apply to all occupants?
  • What if I total my 2004 Mercedes-Benz C-Class and owe more than it’s worth?
  • What is high-risk coverage and where do I buy it?
  • Can I afford to buy a different vehicle if my 2004 Mercedes-Benz C-Class is totaled?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Buyer beware of car insurance advertising tricks

Respected companies like Allstate and Progressive consistently run television and radio advertisements. All the ads have a common claim that you can save just by switching to their company. How does every company cost less than your current company?

All the different companies offer their best rates for the type of driver that will most likely be profitable. One example of a driver they prefer may need to be a married female, has no driving citations, and drives a car with an anti-theft system. Any person who fits those characteristics will probably get the lowest prices and will also cut their rates substantially.

Consumers who fall outside the ideal profile will probably have to pay a more expensive rate and business going elsewhere. The ads say “people who switch” not “everybody who quotes” save the amount stated. That’s why companies can advertise the savings. Because of the profiling, it is so important to do a rate comparison at every renewal. Because without a comparison, you cannot know which company will have the best auto insurance rates for your profile.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Collision coverages – This pays for damage to your C-Class resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, colliding with another moving vehicle, crashing into a ditch, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, hitting a deer, theft, damage from flooding and damage from getting keyed. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz C-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability – This will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like medical services, attorney fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like hospital visits, prosthetic devices and surgery. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

At the end of the day…

When getting car insurance quotes online, make sure you don’t buy less coverage just to save a little money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

We’ve covered a lot of techniques to save on 2004 Mercedes-Benz C-Class insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates are with some of the lesser-known companies. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

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