Compare 1995 Mercedes-Benz C-Class Insurance Quotes

Shopping for the cheapest auto insurance online is rather challenging for consumers not familiar with comparison shopping online. With such a large number of insurance companies available, how can anyone have a chance to compare every one to find the best available price?

It’s a good idea to get comparison quotes quite often because prices are rarely the same from one policy term to another. If you had the best deal for C-Class coverage a year ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online but by reading this article, you’re going to learn some solid techniques on how to put money back in your pocket.

Why your Mercedes-Benz C-Class insurance rates may be high

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that can help you get lower car insurance prices.

  • Multiple policies with one company can save – Some companies give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. Drivers may still find a better deal by buying insurance from more than one company.
  • Where you reside plays a part – Residing in a rural area has it’s advantages when it comes to car insurance. Fewer people means reduced accidents. City drivers have to deal with congested traffic and longer commute times. More time on the road can result in more accidents.
  • Where do you drive? – The higher the mileage driven in a year the higher your rate. The majority of insurers charge to insure your cars based on their usage. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Verify your car insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your C-Class may be costing you.
  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both are in accidents in similar percentages, but men cause more damage. Men also get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
  • Protect your assets with liability insurance – The liability section of your policy is the protection when a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Occupation reflects on rates – Jobs such as doctors, social workers and dentists tend to pay the highest average rates in part from high stress levels and long work hours. Other occupations like farmers, historians and retirees have the lowest average rates for C-Class coverage.
  • A lapse in coverage is a bad thing – Driving with no insurance is against the law and car insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.

Cut your car insurance rates with discounts

Car insurance can cost a lot, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply when you get a quote, but some must be specifically requested prior to getting the savings.

  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for C-Class coverage than their less cautious counterparts.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current expiration date. The savings is around 10%.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Organization Discounts – Belonging to certain professional organizations may earn a discount when shopping for car insurance for C-Class coverage.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will cut the amount you have to pay.

Car insurance companies who might offer these discounts include:

Double check with each company which discounts they offer. Some discounts may not be available in your area.

You are unique and your auto insurance should be too

When buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions might point out whether or not you may require specific advice.

  • What happens if I owe more than my 1995 Mercedes-Benz C-Class is worth?
  • What are the best liability limits?
  • What is the rate difference between pleasure use and commuting?
  • Do I need higher collision deductibles?
  • Can my teen drive my company car?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage specifics

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability – Liability insurance can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, funeral expenses, repair bills for other people’s vehicles, bail bonds and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, rock chips in glass, hitting a bird, a broken windshield and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, X-ray expenses, funeral costs and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage 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 hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverages – This coverage pays for damage to your C-Class resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Take this to the bank

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced liability coverage limits only to regret at claim time that it was a big mistake. The aim is to buy enough coverage at the best price.

The cheapest 1995 Mercedes-Benz C-Class insurance can be purchased from both online companies as well as from independent agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

People change insurance companies for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, poor customer service or even delays in paying claims. Regardless of your reason, choosing a new company is less work than it seems.

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