Locating cheaper insurance for a new or used Mercedes-Benz C-Class could be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to shop for insurance so you’re going to learn the absolute fastest way to quote coverages for your Mercedes-Benz and locate the best price possible either online or from local insurance agents.
It’s important to do rate comparisons at least once a year because prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates for C-Class coverage six months ago the chances are good that you can find a lower rate today. So forget all the misinformation about insurance because we’re going to show you one of the easiest ways to reduce your cost while increasing coverage.
An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels enables informed choices that can help you get much lower annual insurance costs.
Most companies such as 21st Century, Allstate and State Farm allow you to get prices for coverage online. Getting online rates is pretty easy as you simply type in your required coverages as requested by the quote form. When complete, their system collects your credit score and driving record and generates a price based on these factors.
This simplifies rate comparisons, but having to visit different websites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes if you want to find the lowest price.
There is an easier way!
A quicker way to find lower prices uses one form to obtain quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, it is rated and you can choose any of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process can be completed in a matter of minutes and can result in significant savings.
To save time and compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will have an apples-to-apples comparison for the exact same coverage.
Companies that sell car insurance do not advertise all available discounts very well, so we break down both the well known and the more hidden auto insurance savings. If you don’t get every credit possible, you are throwing money away.
Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.
For a list of companies with discount auto insurance rates, click here to view.
When it comes to buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.
For example, these questions can help discover if you might need an agent’s assistance.
If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.
Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Liability – This protects you from damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for things like repair costs for stationary objects, funeral expenses, medical services, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.
Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like falling objects, damage from getting keyed, vandalism and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like X-ray expenses, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay
Collision coverage – Collision coverage covers damage to your C-Class from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch, backing into a parked car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.
Cheap 1999 Mercedes-Benz C-Class insurance is attainable online as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.
When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best price while still protecting your assets.
Insureds who switch companies do it for a variety of reasons including poor customer service, high rates after DUI convictions, policy cancellation or even policy non-renewal. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.