2003 Mercedes-Benz C-Class Insurance Quotes – 10 Tips to Save

Want cheaper insurance rates for your Mercedes-Benz C-Class? I can’t think of anyone who looks forward to buying insurance, in particular when their premiums are through the roof. Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with fancy advertisements and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

It’s a good habit to do rate comparisons quite often because insurance rates go up and down regularly. Just because you had the best rates on C-Class insurance last year you can probably find a lower rate today. You can find a lot of misleading information regarding insurance online but with this article, you’re going to get some good information on how to find affordable insurance.

If you have a current auto insurance policy or are just looking to switch companies, you can learn to cut your premiums while maintaining coverages. Finding affordable coverage is not that difficult. Drivers just need to know the most efficient way to get comparison rates online.

Are you getting all your discounts?

Car insurance companies don’t list every discount in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Organization Discounts – Being a member of a civic or occupational organization is a good way to get lower rates when buying insurance coverage on C-Class insurance.
  • Safety Course Discount – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Passive Restraints – Vehicles equipped with air bags can get savings of more than 20%.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Resident Student – Any of your kids who are attending college and do not have a car may qualify for this discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • One Accident Forgiven – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of providers who offer insurance coverage discounts, click here.

Automobile Insurance Quotes

All major insurance coverage companies like 21st Century, Allstate and State Farm allow you to get prices for coverage on the web. This process is quite easy as you just type in your personal and coverage information into the quote form. Behind the scenes, their system makes automated requests for your driving and credit reports and generates a price. This simplifies rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it is imperative to perform this step if you want to find the best price possible.

Rate comparisons made easy

An easier way to compare rates uses one form that gets prices from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes online quotes a lot less work. After your information is entered, it is rated and you can select any or none of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the policy. The whole process takes less than 15 minutes and may result in a nice savings.

If you want to find out how much you’re overpaying now, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you replicate the coverages as shown on your current policy. Using the same limits helps guarantee you are getting comparison quotes using the exact same coverages.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out if your situation might need professional guidance.

  • Is pleasure use cheaper than using my 2003 Mercedes-Benz C-Class to commute?
  • How high should my medical payments coverage be?
  • How do I insure my teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What should my uninsured motorist coverage limits be in my state?
  • What are the best liability limits?
  • How can I get my company to pay me more for my totalled car?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads that promise big savings by 21st Century, Allstate and State Farm. They all say the same thing that you’ll save big if you move to their company.

How can each company claim to save you money?

All the different companies can use profiling for the driver they prefer to insure. A good example of a driver they prefer could be between the ages of 30 and 50, is a homeowner, and has a high credit rating. Any new insured that hits that “sweet spot” gets the lowest rates and as a result will probably save when switching.

Potential insureds who fall outside the “perfect” profile must pay a more expensive rate which leads to the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save that much money. That’s why companies can truthfully advertise the way they do. This illustrates why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which insurance company will provide you with the cheapest Mercedes-Benz C-Class insurance rates.

Car insurance coverages for a Mercedes-Benz C-Class

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This provides protection from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for collisions

Collision coverage covers damage to your C-Class resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Mercedes-Benz C-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, rehabilitation expenses and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage on a shoestring budget

As you restructure your insurance plan, do not buy poor coverage just to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

You just read many ways to compare 2003 Mercedes-Benz C-Class insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from the smaller companies. They may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

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