2014 Mercedes-Benz C-Class Car Insurance Quotes – 6 Tricks for Cheaper Rates

Searching for cheaper auto insurance rates for your Mercedes-Benz C-Class? Nobody I know is fond of buying auto insurance, especially when the price is too high.

Because there are so many insurance companies to choose from, it can be hard to locate the right auto insurance provider.

The fastest way that we advise to compare insurance rates in your area is to know the fact car insurance companies provide online access to give free rates quotes. The one thing you need to do is give them some information such as types of safety features, the make and model of your vehicles, level of coverage desired, and whether the vehicles are used for commuting. That rating data is instantly provided to many of the top insurers and they respond with quotes very quickly.

To check rates for your car now, click here then complete the form.

Insurance coverage quotes and discounts

Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so the following is a list of both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online. If you do not double check each discount you qualify for, you are just wasting money.

  • Pay Now and Pay Less – By making one initial payment instead of paying each month you may reduce your total bill.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn cheaper prices.
  • Senior Citizens – Seniors can get a discount up to 10% on C-Class coverage.
  • Early Renewal Discounts – Some companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
  • E-sign – Some of the larger companies will provide an incentive for buying a policy and signing up on their website.
  • Bundle and Save – If you can bundle your auto and home insurance with one insurance company you will save as much as 10 to 15 percent.

One last thing about discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, it doesn’t quite work that way. Any amount of discount will lower the cost of coverage.

The best insurance coverage companies and a selection of discounts are outlined below.

  • Geico includes discounts for federal employee, good student, multi-vehicle, anti-theft, and five-year accident-free.
  • USAA has discounts for multi-policy, annual mileage, new vehicle, multi-vehicle, loyalty savings, and defensive driver.
  • Progressive offers discounts for good student, multi-vehicle, online signing, continuous coverage, online quote discount, homeowner, and multi-policy.
  • American Family offers discounts including air bags, mySafetyValet, Steer into Savings, accident-free, good student, bundled insurance, and defensive driver.
  • Esurance offers premium reductions for multi-car, renters, Pac-12 alumni, Switch & Save, anti-theft, online quote, and multi-policy.
  • Farmers Insurance policyholders can earn discounts including teen driver, bundle discounts, good student, switch companies, and youthful driver.
  • State Farm discounts include student away at school, Steer Clear safe driver discount, safe vehicle, multiple policy, multiple autos, and good student.

If you are trying to find low cost insurance quotes, ask each company or agent which discounts you qualify for. A few discounts may not apply to policyholders in your state.

Situations that may require an agent’s advice

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Is my Mercedes-Benz C-Class covered if I use it for business?
  • Can I rent a car in Mexico?
  • Is business equipment covered while in my vehicle?
  • How does medical payments coverage work?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I drive in Mexico and have coverage?
  • Is my teen driver covered when they drive my company car?
  • Can I make deliveries for my home business?
  • What is no-fault insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage options for a 2014 Mercedes-Benz C-Class

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, a broken windshield, a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This coverage covers damage to your C-Class caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with a tree, crashing into a ditch, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as dental work, nursing services, ambulance fees, prosthetic devices and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Liability coverage

Liability insurance protects you from damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as attorney fees, loss of income, pain and suffering and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Never pay more for less

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, an insured dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Budget-friendly insurance coverage is definitely available online in addition to many insurance agents, so you need to shop insurance with both to have the best chance of lowering rates. Some companies may not have rate quotes online and many times these regional insurance providers only sell coverage through independent agents.

You just read many ways to get a better price on 2014 Mercedes-Benz C-Class insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

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