2015 Mercedes-Benz C-Class Insurance Quotes – 7 Ways to Save

Locating affordable car insurance may at first seem to be difficult for online price comparisons. With so many agents and companies, how are we expected to efficiently compare every company to locate lower car insurance premiums?

It is always a good idea to take a look at other company’s rates yearly because car insurance prices change regularly. Even if you got the best rate on C-Class coverage a couple years back a different company probably has better premium rates today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to lower your rates without sacrificing coverage.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. The purpose of this post is to help you learn how to effectively get price quotes and some money-saving tips. Nevertheless, consumers should learn how big insurance companies compete online.

The fastest way that we advise to compare car insurance company rates takes advantage of the fact most insurance companies will pay a fee to give free rates quotes. All you need to do is provide a small amount of information like whether your vehicle is owned or leased, your general credit rating, if you are currently licensed, and how you use your vehicles. The rating information is instantly provided to many of the top insurers and they return quotes almost instantly.

Cheaper insurance car insurance rates with discounts

Car insurance is expensive, but you may find discounts to help offset the cost. Certain credits will be shown when you quote, but occassionally some discounts must be specially asked for before they will apply.

  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Discounts for New Vehicles – Buying a new car model is cheaper because new model year vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz can qualify you for better rates on cars that stay parked.
  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • Homeowners Discount – Owning a house can earn you a little savings since home ownership is proof that your finances are in order.
  • Good Drivers – Drivers who avoid accidents may receive a discount up to 45% on C-Class coverage compared to accident prone drivers.
  • Smart Student Discounts – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.

Just know that most discounts do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy.

To find insurers who offer car insurance discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • What are the best liability limits?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Who is covered by my policy?
  • What is the difference between comprehensive and collision coverage?
  • Will my rates increase for filing one claim?
  • When would I need additional glass coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when using my vehicle for business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Parts of your auto insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance – Liability insurance can cover damage or injury you incur to people or other property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

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 policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as bail bonds, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – Collision coverage will pay to fix damage to your C-Class resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox, crashing into a building, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz C-Class.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for expenses like doctor visits, nursing services and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy 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 available in all states and may carry a deductible

Saving money makes a lot of cents

Budget-friendly insurance is definitely available both online and from local agencies, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide online price quotes and these small insurance companies provide coverage only through independent insurance agencies.

While you’re price shopping online, never reduce coverage to reduce premium. Too many times, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at the best cost while still protecting your assets.

Consumers who switch companies do it for many reasons like denial of a claim, extreme rates for teen drivers, delays in paying claims or even being labeled a high risk driver. It doesn’t matter what your reason, finding the right insurance provider can be pretty painless.

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