2018 Mercedes-Benz C-Class Car Insurance Quotes – 8 Ways to Save

There isn’t a single person who loves paying for insurance, in particular when they are paying too much. Drivers have so many insurance companies to choose from, and even though it’s nice to have a selection, lots of choices makes it harder to locate the cheapest rates.

It’s a good idea to get comparison quotes before your next renewal because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on C-Class coverage at your last renewal a different company probably has better rate quotes today. Block out anything you think you know about insurance because it’s time to teach you the proper way to properly buy coverages and cut your premium.

Buying car insurance is quite easy. If you have a policy now or need new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Drivers just need to learn how to get comparison rates online.

Verify you’re getting every discount

Companies that sell car insurance don’t necessarily list their entire list of discounts very well, so the below list has both well-publicized and the harder-to-find insurance savings.

  • Service Members Pay Less – Having an actively deployed family member could qualify you for better insurance rates.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on C-Class coverage with certain companies.
  • No Claim Discounts – Drivers who don’t have accidents pay less in comparison to bad drivers.
  • Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount because newer models are generally safer.
  • Own a Home and Save – Owning your own home or condo can earn you a little savings because owning a home requires a higher level of personal finance.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some companies like State Farm and Allstate will allow you to have one accident without the usual rate increase if your claims history is clear prior to being involved in the accident.
  • 55 and Retired – Seniors could receive a small discount on rates on C-Class coverage.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of companies and their possible discounts are outlined below.

  • The Hartford offers premium reductions for bundle, driver training, good student, vehicle fuel type, anti-theft, air bag, and defensive driver.
  • American Family offers discounts for accident-free, air bags, Steer into Savings, mySafetyValet, multi-vehicle, good student, and early bird.
  • Progressive has savings for multi-policy, homeowner, online quote discount, online signing, good student, multi-vehicle, and continuous coverage.
  • Travelers may include discounts for multi-policy, hybrid/electric vehicle, continuous insurance, student away at school, driver training, early quote, and IntelliDrive.
  • Farmers Insurance may offer discounts for electronic funds transfer, business and professional, good student, pay in full, multi-car, and teen driver.
  • USAA offers discounts including annual mileage, military installation, family discount, good student, and multi-policy.
  • Liberty Mutual policyholders can earn discounts including multi-car, exclusive group savings, good student, new graduate, and preferred payment discount.

If you want the cheapest auto insurance quotes, ask each company which credits you are entitled to. Some credits may not apply to policyholders everywhere. If you would like to choose from a list of companies with significant discounts, follow this link.

Does car insurance advertising bend the truth?

Consumers can’t escape the ads for the lowest price car insurance from companies such as Geico, State Farm and Progressive. They all seem to tend to make the same promise that people will save just by switching your coverage to them.

But how can every company charge less that you’re paying now? This is how they do it.

All the different companies have specific criteria for the type of driver that makes them money. An example of a profitable insured might be described as over the age of 40, owns a home, and the vehicle is rated for pleasure use. Any customer that meets those criteria will probably get cheap premium rates and most likely will save some money.

Potential customers who are not a match for these stringent criteria will be quoted higher premiums and ends up with the prospect going elsewhere. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” can save as much as they claim. That is how insurance companies can make those statements. This really emphasizes why drivers must get auto insurance quotes from several different companies. It’s just not possible to know which insurance companies will have the best prices for your profile.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Is rental equipment covered for theft or damage?
  • Who is covered by my policy?
  • Do I need rental car coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What vehicles should carry emergency assistance coverage?
  • Will my rates increase for filing one claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my teen driver covered when they drive my company car?
  • Does my 2018 Mercedes-Benz C-Class need full coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance policy specifics

Understanding the coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Liability coverage – Liability insurance protects you from damage or injury you incur to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, medical services, bail bonds, emergency aid and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision insurance will pay to fix damage to your C-Class from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, theft, damage from a tornado or hurricane, damage from getting keyed and rock chips in glass. The maximum payout 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.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like X-ray expenses, ambulance fees, surgery and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be a Smart Shopper

Lower-priced 2018 Mercedes-Benz C-Class insurance is attainable on the web and from local agencies, so you should compare both so you have a total pricing picture. Some companies may not provide online rate quotes and most of the time these smaller companies only sell through independent insurance agents.

In this article, we presented a lot of tips how to compare 2018 Mercedes-Benz C-Class insurance rates online. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest auto insurance. You may even discover the lowest rates come from a lesser-known regional company. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

Additional car insurance information is located on the following sites: