Want the cheapest insurance coverage rates for your Mercedes-Benz C-Class? Are you sick and tired of trying to scrape together enough money to insure your Mercedes-Benz every month? You’re in the same situation as many other drivers. Companies like GEICO, Farmers Insurance and State Farm continually hit you with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and find the best price available.
The quickest method to compare insurance rates from multiple companies takes advantage of the fact almost all companies participate in a system to give you rate quotes. The one thing you need to do is provide details such as what you do for a living, if you have an active license, driver ages, and which vehicles you own. That rating information is then submitted to insurance carriers in your area and they return cost estimate immediately.
When buying the best insurance coverage coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you would benefit from professional advice.
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.
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. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, surgery and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Collision coverage – This coverage will pay to fix damage to your C-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.
Liability car insurance – This provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as repair costs for stationary objects, pain and suffering, funeral expenses, medical services and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.
Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.