2017 Mercedes-Benz C-Class Insurance Rates

Paying for expensive Mercedes-Benz C-Class insurance can stress out your checking account and make it impossible to make ends meet. Performing a rate comparison is a fast and free way to lower your bills every month.

Vehicle owners have so many insurance companies to purchase coverage from, and although it’s nice to be able to choose, it makes it harder to find the best rates for your vehicles.

Consumers need to compare premium rates periodically due to the fact that insurance prices change regularly. Even if you got the best rates on C-Class insurance last year a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the quickest way to reduce your cost while improving coverage.

These discounts can cut insurance coverage rates

Car insurance can cost a lot, but there could be available discounts that you may not know about. Some discounts apply automatically at the time of purchase, but less common discounts must be inquired about before being credited.

  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
  • Bundle and Save – When you have multiple policies and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Early Renewal Discounts – A few larger companies give discounts for buying a new policy early. This discount can save up to 10%.
  • Homeowners Savings – Just owning your own home may earn you a small savings since home ownership means you have a higher level of financial diligence.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.

Keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free insurance coverage policy, you’re out of luck.

Large insurance coverage companies and some of their more popular discounts are:

  • Geico offers premium reductions for multi-policy, daytime running lights, air bags, five-year accident-free, and federal employee.
  • MetLife offers discounts for good student, accident-free, claim-free, multi-policy, and good driver.
  • Progressive may include discounts for homeowner, multi-vehicle, multi-policy, online signing, and good student.
  • Travelers includes discounts for good student, home ownership, payment discounts, driver training, multi-policy, and new car.
  • SAFECO may have discounts that include teen safe driver, anti-lock brakes, accident prevention training, multi-car, homeowner, safe driver, and teen safety rewards.
  • AAA offers discounts including education and occupation, AAA membership discount, anti-theft, multi-car, and multi-policy.

When comparing rates, check with every prospective company how many discounts you can get. All car insurance discounts might not be offered on policies in your area. For a list of insurance companies that offer discounts, click here.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions could help you determine if your situation will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I drive in a foreign country?
  • When should I remove comp and collision on my 2017 Mercedes-Benz C-Class?
  • Should I bundle my homeowners policy with my auto?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy coverages for a Mercedes-Benz C-Class

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2017 Mercedes-Benz C-Class.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your C-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, colliding with a tree, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as court costs, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like EMT expenses, rehabilitation expenses and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Make a quick buck

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. In many cases, someone dropped liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at the best possible price.

The cheapest 2017 Mercedes-Benz C-Class insurance is possible from both online companies and also from your neighborhood agents, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies only sell coverage through independent insurance agencies.

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