1997 Mercedes-Benz C-Class Insurance Rates – 7 Tips for Best Quotes

No one cherishes buying car insurance, particularly when they are paying too much. Numerous car insurance companies battle to insure your vehicles, so it’s not easy to compare every provider to find the lowest rate possible.

If you have insurance now or are just looking to switch companies, you can learn to find the best rates and still get good coverage. Finding affordable coverage is not that difficult. Drivers only need an understanding of the tricks to shop over the internet.

Companies offer discounts so take them!

Auto insurance companies don’t always publicize every discount very clearly, so the following is a list of some of the more common and the more hidden car insurance savings. If you’re not getting every credit you deserve, you are throwing money away.

  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • No Claims – Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Multi-policy Discount – If you have multiple policies with one company you will save up to 20% off your total premium.
  • Student in College – Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.

It’s important to note that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered everywhere.

Which Insurance Coverage is Cheapest?

Finding lower insurance coverage rates is actually quite simple. All that’s required is to spend a few minutes on the computer comparing rates from different insurance companies. It is quite easy and can be accomplished in several different ways.

  • The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for separate quote forms to each individual insurance coverage company. Taking the time to complete one form will get you rate comparisons from multiple low-cost companies.
  • A less efficient way to get quotes online requires you to visit each individual company website to complete a price quote. For example, let’s say you want comparison quotes from Auto-Owners, Farmers and American Family. You would have to go to every website and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

Whichever way you use, make absolute certain that you use the exact same coverage limits and deductibles for every quote you compare. If you compare different values for each quote it will be very difficult to determine the best price for your Mercedes-Benz C-Class.

Do I just need basic coverages?

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different and your policy should reflect that. These are some specific questions might point out if your situation would benefit from professional advice.

  • Is my state a no-fault state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is extra glass coverage worth it?
  • Is upholstery damage covered by car insurance?
  • How much liability coverage do I need in my state?
  • Is my trailer covered?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions but a few of them apply, you might consider talking 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 can provide invaluable advice.

Auto insurance 101

Understanding the coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

Collision coverage

Collision coverage will pay to fix damage to your C-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, a broken windshield, hitting a bird, falling objects and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for X-ray expenses, doctor visits, EMT expenses, chiropractic care and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Coverage for liability

This protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, pain and suffering and emergency aid. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1997 Mercedes-Benz C-Class.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Smart consumers save more

The cheapest 1997 Mercedes-Benz C-Class insurance is definitely available on the web and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. In many instances, someone sacrificed physical damage coverage only to discover later they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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