Compare 2016 Mercedes-Benz C-Class Insurance Quotes

Searching for lower car insurance rates for your Mercedes-Benz C-Class? Did you fall for a flashy sales pitch and buy an expensive car insurance policy? You’re preaching to the choir because you are not the only one feeling buyer’s remorse. Due to the large number of insurance companies to choose from, it can be impossible to pick a lower cost insurance company.

It is always a good idea to do price comparisons on a regular basis because rates change regularly. Even if you think you had the best deal on C-Class insurance a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the best ways to remove unneeded coverages and save money.

Buy auto insurance online

Lowering your 2016 Mercedes-Benz C-Class auto insurance rates is actually quite simple. The only requirement is to take the time to compare free insurance coverage quotes from some recommended companies. Price comparisons can be done by using one of the methods below.

  • If you are pressed for time, the simplest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating separate quotation requests for each price estimate. A single form gets you price quotes from multiple companies.
  • A slightly less efficient method to get comparison quotes consists of going to each company website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare State Farm, Geico and Travelers. To find out each rate you need to go to every website and enter your information, and that explains why we recommend the first method.

    For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but do your best to use the exact same coverage information for every quote you compare. If you use different values for each quote you will not be able to make a fair rate comparison.

The ad said I’d save $387 a year!

Consumers can’t get away from all the ads for the lowest price auto insurance from the likes of State Farm, Geico and Progressive. All the ads advertise the message that people will save if you change your auto insurance coverage to their company.

How does every company charge less that you’re paying now? You have to listen carefully.

All companies offer their best rates for the driver that earns them the most money. For example, this type of risk profile might be between the ages of 40 and 55, is a homeowner, and drives a vehicle with a low ISO rating. Anybody who fits that profile will most likely get cheap rates and as a result will probably save a lot of money.

People who fall outside these stringent criteria will get higher premiums and ends up with the customer not purchasing. If you pay attention, the ads say “customers who switch” not “all people who quote” save that much. That’s why insurance companies can make those claims. Each company has different criteria, so drivers should compare price quotes frequently. Because without a comparison, you cannot know which company will provide the lowest prices.

Pay discount rates with these discounts

Car insurance companies don’t list every policy discount in an easy-to-find place, so the following is a list of both the well known and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

  • Multi-car Discount – Drivers who insure several vehicles with the same company can get a discount for every vehicle.
  • Discounts for Cautious Drivers – Drivers without accidents can save as much as half off their rates on C-Class insurance than drivers with accidents.
  • ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more.
  • Senior Citizen Discount – Drivers over the age of 55 are able to get a slight reduction on a insurance coverage quote on C-Class insurance.
  • Online Discount – A few companies will give you a small discount for buying a policy and signing up online.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of at least 10% off all policies.
  • Homeowners Savings – Just owning your own home may earn you a small savings because it shows financial diligence.
  • Smart Student Discounts – Being a good student may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you until age 25.
  • Active Service Discounts – Having a deployed family member could trigger a small discount.

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce your premiums.

A list of insurance coverage companies and a partial list of their discounts are detailed below.

  • Esurance may have discounts that include anti-lock brakes, Switch & Save, claim free, online shopper, online quote, paid-in-full, and DriveSense.
  • The Hartford has discounts for vehicle fuel type, driver training, good student, air bag, and anti-theft.
  • AAA has savings for good student, pay-in-full, multi-car, education and occupation, AAA membership discount, and good driver.
  • Geico includes discounts for emergency military deployment, anti-lock brakes, defensive driver, good student, and anti-theft.
  • State Farm offers discounts including safe vehicle, good student, accident-free, passive restraint, and multiple policy.

It’s a good idea to ask each insurance company to apply every possible discount. Some discounts listed above might not be offered in your state. For a list of providers that offer many of these discounts, click here to view.

Your situation helps dictate your coverage

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique so your insurance needs to address that. For instance, these questions might point out whether you could use an agent’s help.

  • How can I get my company to pay me more for my totalled car?
  • Do I need higher collision deductibles?
  • Am I covered when delivering products for my home-based business?
  • Am I missing any policy discounts?
  • Why does it cost so much to insure a teen driver?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my insurance cover a custom paint job?
  • What vehicles should carry emergency assistance coverage?
  • Do I need replacement cost coverage on my 2016 Mercedes-Benz C-Class?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like prosthetic devices, nursing services and surgery. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This coverage provides protection from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people. It does not 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. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, medical services, structural damage and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This coverage covers damage to your C-Class resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, crashing into a building, scraping a guard rail, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Feed the piggy bank

Cheaper 2016 Mercedes-Benz C-Class insurance is attainable from both online companies and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and these smaller providers sell through independent agencies.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that it was a big error on their part. Your aim should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

We’ve covered many tips how you can shop for 2016 Mercedes-Benz C-Class insurance online. It’s most important to understand that the more companies you get auto insurance rates for, the better likelihood of getting cheap insurance coverage. Consumers may even find the lowest rates are with a small local company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

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